23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following XXXX accounts on my credit report : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX/XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$560.00} These accounts were found to be inaccurate and subsequently removed from my credit report. However, I have recently discovered that these accounts have been reinserted without any notification from Equifax within the required five-business-day period, as mandated by FCRA Section 611 ( a ) ( 5 ) ( B ). 
This failure to notify me of the reinsertion is a clear violation of the law and has caused undue stress, as well as potential harm to my credit standing. 
I have already made attempts to resolve this issue directly with Equifax, but have not received a satisfactory response. Therefore, I am requesting your assistance in ensuring that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant documentation, including my initial dispute letter, confirmation of the accounts removal, and my recent dispute regarding the unauthorized reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

A police report was submitted to ALL three bureaus ( XXXX, XXXX, and Experian ) XX/XX/2022, regarding identity theft regarding the following accounts : XXXX XXXX, Balance : {$3100.00}, XXXX XXXX : Balance {$1200.00}, XXXX XXXX Balance {$460.00}XXXX XXXX  : Balance {$260.00}, XXXX XXXX : Balance XXXXXXXX XXXX XXXX  : Balance {$300.00}, XXXX : Balance {$250.00}, XXXX XXXX XXXX  Balance {$400.00}XXXX XXXX XXXX Balance {$450.00}, XXXX XXXX Balance {$100.00}, and XXXXXXXX XXXX  {$670.00} XXXX removed accounts within 30-days, while XXXX and Experian have neglected to conduct a thorough investigation. Due to neglect, and it is XX/XX/2022, and no investigation results have been mailed to me. 

Per 15 USC 1681 B ( a ) 2 This law states that no one can furnish information on your consumer report without my written instructions.

Per 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.
Product: Credit card or prepaid card

JP MORGAN CHASE XX/XX/XXXX applied for credit card denied application for no apparent reason now im at point feel like jp morgan chase discriminating and profiling me for no apparent reason.This my second incident with Chase bank that they have denied me for services in XXXX I opened joint bank account with my wife at a branch they opened account and week later they closed my account with out any explanation.As of right now my credit score is in XXXX with good rating I would like detailed explanation of their actions taken against me or I would bring lawsuit against jp Morgan chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..
Product: Mortgage

This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.
Product: Checking or savings account

We attempted to purchase a dog. However the dog was never recd chase informed us since we used XXXX they could not file a claim. We used online banking with them to pay for the dog. 

I have 3 transactions with email and letters with proof of the purchase. 

I am asking for funds to be return XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX I have proof of requests they made.
Product: Credit reporting or other personal consumer reports

I sent a letter to transunion on XX/XX/XXXX, XXXX in regards of inaccurate information reporting on my credit report. The incorrect information reporting on my account is from XXXX XXXX XXXX  - XX/XX/scrub> XXXX XXXX
Product: Checking or savings account

On XX/XX/22 there was a deposit made for {$100.00} at an atm machine @ Wells Fargo branch that was never credited to my account. Very upset spoke to teller inside bank and he directed me to call customer support, filed a request for investigation and after XXXX weeks they sent me a letter stating the deposit amount of {$0.00} was correct and bank didnt make a mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous information listed on my credit report regarding two late payments with Capital One and unauthorized hard inquiries made by XXXX XXXX, XXXX XXXX, XXXX, and Informative. These inaccuracies are clear violations of my rights under federal law, and I demand immediate correction resulting in the immediate removal from my credit report Late Payments Capital One : According to my records, I did not miss any payments on my account. The two late payments reported are false and must be removed from my credit report immediately. I am invoking my rights under 15 USC 1581, which guarantees my right to privacy and accuracy in the reporting of my personal financial information. 

Hard Inquiries CB Indigo, XXXX XXXX, Destiny, and Informative : These inquiries were made without my authorization or knowledge. I suspect this is a result of a data breach, as outlined under the Fair Credit Reporting Act ( FCRA ) section 605B which requires the immediate removal of any fraudulent or inaccurate information upon notice.

Violation of 15 USC 1581 As stated under 15 USC 1581, my right to privacy has been violated by the unauthorized access to my personal credit file without my explicit consent. These inquiries must be removed immediately to avoid further legal consequences.

In light of these legal protections, I demand that : 1. The two late payments with Capital One be deleted from my credit report immediately. 
XXXX. The hard inquiries from XXXX XXXX, XXXX XXXXXXXX XXXX and Informative be removed from my credit file without delay.
Product: Credit card or prepaid card

The card is closed on my account and the balance is paid. I would like it removed from my credit report
Product: Credit reporting or other personal consumer reports

I have sent letters and also filed ftc reports to Experian, XXXX, and XXXX. I also have been calling to try to get fraud accounts resolved. No help at all. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' I have fruadulent accounts that needs to be removed immediately such as .... 

XXXX  XXXX XXXX- {$530.00} - XX/XX/year> XXXX XXXX- {$340.00} - XX/XX/year> XXXX  XXXX XXXX - {$500.00} - XX/XX/year> XXXX XXXX- {$6000.00} - XX/XX/year> XXXX XXXX  - XXXX XXXX- {$520.00} - XX/XX/year>
Product: Mortgage

Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
Thank you.
Product: Credit card or prepaid card

I received a direct deposit to my account that cleared and soon after they suspended my account and blocked me from access to without any notice whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX  XXXX Acct # XXXX {$770.00}. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A. Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is for my XXXX, for my XXXX XXXX the account number that starts with XXXX, i was never late on any payments, and i have a XXXX balance. It says i have missed few payments in past but i never did. Please fix that as it states wrong on my credit report. I also stated that i want it closed, thats why its paid in full. Please fix the corrections on there because i was never late.than you
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is to be remove do you its inaccurate information. This account was already removed from XXXX credit reporting agencies due to its lack of correctness! So this agency is still committing illegal activity against a consumer that do not owe a debt to ( CREDIT CONTROL CORPORATION ) Neither do I have a contract with XXXX XXXX XXXX XXXXXXXX this debt that is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXX XXXX XXXX
Product: Student loan

I was divorced in 2004 and I agreed to take the school loans in my divorce. Our loans are consolidated. Therefore, they are wanting to take my tax return and my ex-husbands tax return including his new wife 's income and base my monthly payment on that total income. I have spoke with numerous people and they quote me from {$500.00} a month to {$1000.00}. I am a single mother and have no means to pay that kind of payment. My credit score went down 43 points in one month due to my PHEAA student loan account balance increasing by {$100.00} from {$29000.00} to {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account 1- XXXX XXXX XXXX XXXX XXXX, Reported Balance {$5900.00}. 
Account 2 -XXXX XXXX, Reported Balance {$0.00}, Pay Status >Sold ; was Charged-off<, Account 3 -XXXX XXXX XXXX, Date Opened XX/XX/XXXXXXXX, Balance {$6000.00}, Pay Status >Charge-off<. 
Account 4 - XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$26000.00}, Pay Status >Charge-off<. 
Account 5 - XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$19000.00}, Pay Status >Charge-off<. 
Account 6 -XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00}, Pay Status >Charge-off<. 
Account 7 - XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, Pay Status >Sold ; was Charged-off< Account 8 - XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Pay Status >Charge-off<. 
Account 9 XXXX, Date Opened XX/XX/XXXX, Balance {$14000.00}, Pay Status >Charge-off<. 
Account 10 -XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$2100.00}, Pay Status >Charge-off<. 
These are the accounts I want to be removed from my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and XXXX c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
Product: Checking or savings account

I am writing to report violations of EFTA and Regulation E by Wells Fargo Bank ( " WFB '' ). WFB has refused to comply with EFTA and Regulation E.

I contacted WFB 's customer service department, by phone, and reported my Visa debit card lost or stolen on XX/XX/XXXX or XXXX, XXXX. This card is linked to my checking account with WFB. When I discovered an unauthorized charge in the amount of {$300.00} from XXXX XXXX, I contacted WFB 's customer service department again and reported the charge as unauthorized. 

On XX/XX/XXXX, I received a letter from WFB stating the charges were authorized. I called WFB again and requested all information and documentation used to make this determination. My request was denied and WFB refused to provide any documentation. 

On or about XX/XX/XXXX, while reviewing my online statement on wellsfargo.com, I noticed several unauthorized charges dated XX/XX/XXXX, and XXXX, XXXX. I contacted WFB to report these charges as unauthorized. On XX/XX/XXXX, I received a letter from WFB stating the charges were authorized. I requested all information and documentation used to make this determination. WFB denied my request and refused to provide any documentation or information.

I appealed the decision through WFB 's Consumer Advocacy Department and this department confirmed WFB 's original decision without providing any explanation or documentation that would support their decision.

The unauthorized charges I reported to WFB were for merchants I have never heard of and have never patronized. One of the unauthorized charges in the amount of {$520.00}, was from a company called XXXX. When I reported this unauthorized charge, I informed WFB that I did not have anything nor have I ever received anything from XXXX. No receipts for the purchase and no documentation confirming the purchase of a product or service from XXXX. Despite these facts, WFB stated the charges were authorized. 

WFB has refused and continues to refuse to provide any information or documentation to support their decisions. WFB is deliberately and fraudulently not complying with EFTA and Regulation E and continues to do so in my case.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time of the transactions were authorized. However, due to the delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consist with recent finding by CFPB, which identified similar practices by Navy Federal Credit Union where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. DISCOVER FIN SVCS LLC WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. DISCOVERBANK WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.
Product: Mortgage

On or about XX/XX/XXXX, Wells Fargo Home Mortgage illegally foreclosed on my property and did not follow protocol. First of all child support began XXXX of XXXX, around the time that I saw the Texas Attorney General. At that time we were instructed to officially file for divorce to settle the property we owned located at XXXX XXXX XXXX XXXXXXXX, Tx XXXX. Because Texas is a community property state where common law marriage is recognized the coborrower was my spouse. My security instrument and deed clearly include The GarnSt Germain Depository Institutions Act of 1982 clause. Therefore what Wells Fargo Home Mortgage did was illegal and the act also states that the granting of a leasehold interest of three years or less provided the lease includes no option to purchase also protects against foreclosure. There was an automatic renewable lease filed of record with the county XX/XX/XXXX. So the foreclosure that occurred should have never taken place..
Product: Credit reporting or other personal consumer reports

TransUnion has willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct a real investigation into my dispute, as required under 15 U.S.C. 1681i ( a ). Despite multiple disputes, TransUnion has refused to verify my late payments with actual documentation, instead sending a generic response claiming that the information was accurate without proof. 

TransUnions Violations of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate my dispute. 
15 U.S.C. 1681e ( b ) : Continuing to report inaccurate and unverified information.

15 U.S.C. 1666b : Failure to provide proof that the creditor sent a 21-day notice before marking my account late.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} per violation. 

Immediate Resolution Required : TransUnion is in clear violation of 15 U.S.C. 1681n, which states that I am entitled to statutory damages of {$1000.00} per violation, plus additional compensation for financial harm and distress. 

I demand that TransUnion immediately : 1. Update all seven ( 7 ) late payments to Paid, Never Late.

2. Issue a check for the damages caused by these violations, as required under FCRA Section 616.

3. Provide written confirmation of these updates and compensation within five ( 5 ) business days. 

If this issue is not corrected, I will proceed with my lawsuit in XXXX XXXX XXXX XXXX XXXX for statutory damages of up to {$8000.00}, plus additional damages for emotional distress and financial harm. 

I expect an immediate resolution and full compliance with the FCRA.