23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I open accounts with BB & T and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting XXXX XXXX and its fraud!
Product: Credit card

XXXX XXXX XXXX has moved my credit card to XXXX WITH BARCLAyCARD. I filed a complaint with XXXX XXXX and they referred me to XXXX stating all statement and information has been changed over to Barclay. When I contact Barclay they say they only have records as of XX/XX/XXXX when they merged and they refer me back XXXX. I am stuck in the middle I need my credit card statement From XXXX XXXX thru XXXX XXXX. I was paperless with XXXX. I do n't know what to do and this is not fare and I am being sent back and forth and no one is helping me.
Product: Bank account or service

I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account XXXX Account Name : XXXX Account Number : XXXX 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 or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX IN Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

DEMAND FOR REFUND OF UNPAID WELLS FARGO PAPER BILLPAY CHECK NEVER RECEIVED BY PAYEE. 

Submitted bill Pay payment. Recipient never received the paper check that bank says they mailed. Followed up with the bank using their online " Make an Inquiry '' and stated that this payment was never received by the recipient, creating claim # XXXX. Bank records indicate the check never cleared. 

Wells Fargo provided a response that implied they would actually take action to resolve the claim. However, they have done nothing, and only communicated with me when I followed up last week. Their followup was meaningless and suggested they have done all they can do. They did not do what they said they would do in the message. See copy of their XX/XX/XXXX response at the end of this message. 

Wells Fargo Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX # # # XX/XX/XXXX Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX Dear XXXX XXXX : We are writing to update you with the current status of your claim referenced above. We value our relationship with you and are committed to addressing your concerns and making the claim process seamless for you. 

Based on the information provided in your claim, our initial research has determined that we sent this payment as you requested ; however, we want to help you resolve the issue with your payee. 

To help you resolve the issue with your payee we will : 1. Contact XXXX XXXX XXXX 2. Work with XXXX XXXX XXXX to determine what information they need to locate and/or refund your payment - If we need additional information from you, we will contact you via phone/email - If XXXX XXXX XXXX requires your authorization to talk with us, we will attempt to reach you via phone and initiate a conference call with the payee 3.We will send you email ( s ) to inform you on our progress by sending updates to your secure Messages & Alerts inbox at wellsfargo.com and we will notify you when updates are ready for you to view To request copies of documents we used to make our initial determination, please contact us using the methods below, and have your claim number XXXX available. 

If you have questions or need further information about your claim we would be happy to assist you, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. 

Thank you. We appreciate your business. 

Online Claims Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.
Product: Credit reporting or other personal consumer reports

Well originally I sent correspondence to XXXX after the debt validation process done on my alleged account at XXXX XXXX XXXX XXXX. They were not able to validate any debt or state their claim of Interest. Therefore I took the whole package and sent it to XXXX to show that the account at XXXX XXXXXXXX XXXX XXXX should not be reported on anymore because it was not a valid debt. After this they did not do a proper investigation nor did they give me the details and it came back verified. Then again I disputed that account as well as an XXXX XXXX XXXX account as well that was not valid on my Consumer Report nor did I give either of these companies permission to report my information nor did I give XXXX XXXX or permission to report my private information. After I disputed this online through the means that they provide on their website once again it came back verified with no details of the investigation nor a proper investigation done. I made it clear that they did not have the authority to report this information because I did not give it. I also told them to remove any names that were not mine or any addresses that was not my current one. On XX/XX/XXXX they responded by saying everything was verified and they did not remove the names that were not associated with me nor did they remove the addresses. I found that they violated XXXX USC XXXX section 2 because they were reporting the exact thing that was supposed to be excluded from My Consumer Report which contained information solely as to the transactions or experiences between the consumer me and the person making the report. I also found that they were in violation of section 2 ( e ) when they do not do a proper investigation by the means explicitly and clearly explained in the Fair Credit Reporting Act. I also found that they were in violation of section 2 ( i ) by furnishing improper and invalid information as to corrupt my identity and reputation. They were also in violation of section k ( 1 ) and ( 2 ) ( i ) for reporting false and misleading information that affected my ability to get a loan because of a stain on my creditworthiness. During this time I attempted to get a loan for a new truck as well and I was denied based upon the false and misleading information they were reporting in My Consumer Report that was not valid.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, Indiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report related to the accounts listed below : XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX - Collection Account Portfolio XXXX - Late Payment AccounXXXX XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Collection Account XXXX XXXX XXXX XXXX and XXXX by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I was a onlne student with XXXX living in California, I filed a loan with XXXX XXXX as my lender. I got sick and unable to complete my last class, I had to drop from course. I wanted to complete my degree upon requesting my transcript I was made aware that I owed XXXX {$6200.00}, they returned funds to my lender and informed me that it was a private loan and I owed the school. I contacted school and president in XXXX 2013 requesting assistance with getting this resolved, I explained that I willing to make payment but really needed my transcript. I was told needed to pay in full before they would release my transcript. I applied for a consolidation with my lender XXXX XXXX they were willing to consoildation because they have my other student loans from XXXX currently. XXXX XXXX informed me that XXXX informed them they do not have a loan currently for to consolidate. I am currently receiving threatening phone calls from a collection agency called XXXX XXXX XXXX stating that they will be filing a judgement against for XXXX because I have an outstanding loan. I have attempted to seek solution from financial aid office at XXXX. 
XXXX XXXX University my ID number was XXXX phone number XXXX XXXX XXXX XXXX number is XXXX file number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my many requests to investigate, verify and remove one account from my credit report/file that does not belong to me.
Product: Mortgage

My partner and I took out a loan for a new roof at Banner Bank in XX/XX/XXXX at its XXXX, Oregon branch. The loan amount was {$15000.00} and it was unsecured. They required us to open a checking account at their bank in order to get a better interest rate on the loan -- which we subsequently learned, was 6.99 %, much higher than the going rate at that time. We were told payments would begin in XX/XX/XXXX. I started the process of having XXXX XXXX send {$170.00} to Banner Bank via Bill Pay in XX/XX/XXXX. The Bill Pay for XX/XX/XXXX went through, and no payment was made in XX/XX/XXXX, as I thought the XXXX payment would cover it. It apparently did, as no late fee was assessed on my Banner Bank statements at that time. In XXXX, XXXX, XXXX XXXX dropped the ball and did not send the {$170.00} check to Banner Bank. I did not know this until XX/XX/XXXX. I then decided to set up an ACH instead of relying on the US Postal Service to get the physical check to Banner on a timely basis. While usually a late fee is {$15.00}, they assessed a {$30.00} late fee for XXXX for {$200.00} -- {$30.00} more than the regular {$170.00} payment. On XX/XX/XXXX, I dutifully paid {$200.00} to Banner Bank via Bill Pay which posted to our XXXX XXXX account on XX/XX/XXXX and to Banner Bank on XX/XX/XXXX. I discovered in XX/XX/XXXX, that Bill Pay had never been turned off, so Banner Bank received double payments of {$170.00} for XXXX, XXXX and XX/XX/XXXX -- one from Bill Pay and a second ACH payment. Upon learning that they had not received the XXXX Bill Pay from XXXX XXXX, I agreed that they were owed the second payment in XXXX for the missed payment in XXXX, but wanted a refund of the two {$170.00} payments made via Bill Pay in XXXX and XXXX. I went down to the Bank and was told by a very rude banker, in the presence of her manager, that they could not write me a refund check for the overpayments. I subsequently transferred {$360.00} from Banner Bank to reimburse our XXXX XXXX joint account for the double payments. I thought that we were finally done with our problems with this Bank and their shady practices and record-keeping until I got my account statement from Banner Bank yesterday , XX/XX/XXXX, which stated an interest payment of {$30.00}, with another interest payment of {$6.00} and a principal payment of {$160.00}. If you add the latter two numbers, you come up with {$170.00}, the correct payment. In the lower right- hand corner, however, you see a late charge of {$30.00} -- the late charge that had already been paid way back on XX/XX/XXXX. I want the {$30.00} so-called late payment dropped.
Product: Student loan

Dear Sir/Madam, I am writing to you regarding my student loan balance with American Educational Services ( AES ). During my undergraduate studies, I borrowed from the lender {$9600.00} to pay for tuition and other school related expenses. After graduating in XXXX of XXXX with my degree, I begun making monthly payments to AES starting with my very first payment of {$90.00} on XX/XX/XXXX. In the last 10 years I have made 126 payments in the total amount of {$11000.00}. Today, I only owe {$9200.00}. For the past 4 months I have stopped making these monthly payments as I sought to understand how, after a decade of payments, I have only been able to pay down my debt by less than {$400.00}. I was advised by AES that to receive a response I would need to mail them a letter describing my request. My first letter was sent in early XXXX of XXXX and I have not heard back from anyone to my original letter or those thereafter. In total I have sent 4 letters address to AES and the Office of Consumer Advisory, both located in XXXX, XXXX During this time however they did report my delinquency to the credit agencies which has negatively impacted my credit score. My recent statement notes that my score has declined from a range of XXXX down to XXXX, depending on credit reporting agency. While this is not material to this particular matter it does illustrate the point that I have been a responsible consumer who has always paid their debt as well as the significant impact this has on my future credit worthiness. I have already paid back more than I have borrowed and have not been able to understand from anyone how after 10 years of payments my debt has practically not moved at all. There seems no incentive to continue making these payments for another 10, 20, 30, or potentially 40 years just for them to remain at the same amount as borrowed. I borrowed {$9600.00} with the understanding that I would have to pay that amount back with interest. I firmly believe that after {$11000.00} and 10 years of this financial and mental burden my balance should have decreased by more than {$360.00}. I seek to understand how much of the {$11000.00} should be applied to principal and I wish to settle my debt with AES by paying off the difference between my original balance of {$9600.00} and that principal amount.
Product: Money transfer, virtual currency, or money service

I have been a victim of a rental scam. The individuals posted an ad on a page in XXXX called " XXXX XXXX XXXX '' and were advertising a 3 bedroom and 2 bath apartment for {$1500.00} with all utilities included. They provided a phone number 4 to my husband and when I called I spoke to a woman and her husband who claimed a {$950.00} security deposit would be needed to hold the apartment and a {$1500.00} 1st month rent due on XX/XX/XXXX on move day. When I asked her if I could view the apartment she insisted that she had puerto rican tenants still living there and they won't be leaving until the XXXX of XXXX. She asked for my ID and my paystubs then called me XXXX minutes later stating I was approved based on their background check, then told me she had a bunch of people interested but if I really wanted the apartment she can hold it for me with the {$950.00} deposit, she then sent me the lease via text stating her email wasn't working. I went ahead and sent her the {$950.00} via XXXX  to email XXXX which is registered under a person named XXXX XXXX. A few minutes after that payment I see an ad in the XXXX XXXX stating their ad was a scam, so I texted her back and told her I want a refund because I just found out they were scammers. She advised me she would return the money and also take me to court for defamation. I haven't received my money back. Their phone number is a textnow phone # and the support team has already advised they will assist in the investigation, I would like to have this case investigated. They are currently posting online in different groups/states/cities stating they have apartments for rent. 

This all happened on XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not provided proof of this debt they reported to Equifax and  XXXX  since   XXXX  . I have asked both agencies to remove this debt or provide proof of the actual debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 10:19 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.