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

15 USC 1681a ( 4 ) Consumers right to privacy. My right to privacy has been violated by reporting this information to my consumer reports.

15 USC 1681b ( a ) ( 2 ) Permissible Purpose Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 a2b ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account Number : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccurate accounts with Experian, XXXX, and XXXX  and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!
Product: Credit card or prepaid card

I got approved for the card paid my {$200.00} deposit and week later I magically got denied! Im a single parent who work hard for his money and want my {$200.00} deposit back this is a scam and not fair that stated I was approved then later denied once they took and stole my money
Product: Credit card

I applied for a Amex Plum Card and was denied. This was based upon my being an " Authorized User with various companies that did not meet their financial obligations with Amex. XXXX dated XX/XX/XXXX, ( 17 years old ), XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. 
My credit was never checked by Amex. I was never the primary account holder for any of these accounts. The date of the letter was XX/XX/XXXX. I received the detailed explanation by calling the XXXX number in the letter. 
It should n't be legal for a credit granting company to use a primary card holder or company 's information that is responsible for an credit account against an " authorized user ''. A copy of the letter of denial is attached. Note, that it says that I was denied due to the fact that American Express cancelled your previous accounts- all of which I was not financially responsible for nor the primary and financially responsible party. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiry : XXXX XXXX  XXXX XX/XX/2023
Product: Bank account or service

I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
Product: Credit reporting

I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with Wells Fargo. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with Wells Fargo led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
XXXX XXXX
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. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

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, 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, I am writing to formally dispute an inaccurate and illegal report on my credit file concerning a vehicle repossession allegedly initiated by XXXX XXXX XXXX. This false report is a direct violation of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, which governs the accuracy and integrity of information furnished to consumer reporting agencies.

Upon reviewing my credit report, I discovered that XXXX has reported a repossession that is factually incorrect and without legal basis. This false report has caused significant harm to my credit standing and overall financial well-being.

Pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to ensure the accuracy of the data they report to credit bureaus. Additionally, under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, it is the furnishers obligation to investigate the claim and promptly correct or delete any information found to be erroneous. 
I demand that XXXX XXXX XXXX immediately take the following actions to resolve this matter : Delete Inaccurate Information : The false repossession entry must be permanently removed from all credit reporting agencies to which it has been furnished. 
Written Confirmation : Provide me with written documentation confirming the removal of the erroneous information. 
Compensation for Damages : Due to the harm caused by this illegal reporting, I am seeking punitive damages, as well as compensation for the financial and emotional distress suffered as a result of your actions. 
This matter has caused significant damage to my ability to secure credit, housing, and other financial opportunities. Your companys failure to comply with the FCRA constitutes a serious legal violation, and I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities if my demands are not addressed promptly.

You are required by law to investigate this matter within 30 days of receiving this notice, as stated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to comply will result in further legal action to enforce my rights under the FCRA. 
Please direct all future correspondence regarding this dispute to my address listed above. I expect your written response within the required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX {$4200.00} Date Opened : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT credit an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request!

It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service that I pay monthly through XXXX. I should be receiving all 3 credit reports monthly. However I have only been receiving from XXXX  and XXXX. Equifax has not been making my credit report accessible, despite the fact that I have been paying for it monthly. 

I called Equifax on XX/XX/2020 and they said that they do not have a reason why I can not access my credit report.
Product: Debt collection

I am the attorney for a client in bankruptcy cases. I assume this is one of my clients but the statement is in my name - and so I have no idea who it belongs too. The mortgage company continues to put my name on the mortgage statements and send them to my office instead of the Debtor. I have asked via phone and letters numerous times to have the statements taken out of my name and forwarded to the Debtors property address. The mortgage company refuses to correct the issue. The most recent statement dated XX/XX/2020 is still addressed the same way, please see attached. I have also contacted their attorney - XXXX XXXX XXXX. I have attached the statement for you to see. Please understand this has been going on for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complete payment of the credit card amount around XX/XX/2022. I was told this was a COMPLETE payment for the remaining amount. Later, there was an interest charge. I was unaware of the charge nor did i receive any contact from the company regarding the charge. I only became aware of the charge when my credit score was hit with a late charge for an unknown charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th attempt to submit a complaint about my credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/XXXX, I submitted a mobile deposit of {$50.00} for a check into my checking account with Wells Fargo. Then on XX/XX/XXXX, I received an email notice from my bank that the check had been returned and they charged me a " return check fee '' of {$12.00}. Then on XX/XX/XXXX I took the check to the bank it was originated ( XXXX XXXX ) and they cashed the same exact check for {$50.00} ( plus a fee of {$2.00} since I was not a customer ). I attempted to reach out to Wells Fargo and they initially refunded {$9.00} of the fee they charged me and then after speaking with a supervisor they refunded the other {$3.00}. They Refused to reimburse me the {$2.00} fee that Regions charged me for cashing the check since it was a Third party fee. I have Three areas of complaint against Wells Fargo Bank. 1 ) They refused to cash a legitimate check from XXXX XXXX, 2 ) They charged me a fraudulent " return check fee '' when the check was valid ( since I was able to cash the same exact check at XXXX XXXX, and 3 ) The refused to reimburse me the {$2.00} fee that I had to pay to cash the check at XXXX XXXX since Wells Fargo denied the deposit.
Product: Credit reporting

I used to be a subscriber with XXXX in the past. I have since cancelled my subscription with them in 2012. my agreement with them did not include payment of termination fees. They put the sum of {$280.00} XXXX amount owed to them in my credit report. They have been recycling this in my credit report for some time now. They once took it out and re-reported it again. This is fraudulent and I want it removed from my credit report.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

My fiancee and I refinance our loan with XXXX and received a nice lower mortgage payment of $ XXXX. Then XXXX sold our loan to this shady, unethical company called Flagstar. We received a bill on XX/XX/2022 stating that we owe them {$1200.00}, a {$250.00} jump from our regular monthly payment. They claim that it's due to a shortage in our escrow. This is XXXX! Flagstar pulled this XXXX with us before. They used to service our account. This is why we went with XXXX. This is a shady outfit and if you check your complaints you will see that many of Flagstar 's customers have similar problems with this shady, unethical company. 
I'm writing this complaint to add to the many complaints this company has. My next step is to go to the attorney general of Florida. My fiancee and I work too hard to have some out of state shady, unethical company steal money from us. As I said we work too XXXX hard. 
I don't know what help we can get from Consumer Fiancee Protection but we need protection from this lousy company. ( Flagstar )
Product: Credit card or prepaid card

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received.

Recent delenquency was reason for denial
Product: Debt collection

I opened a checking account at XXXX XXXX in XXXX. Later, this checking account was transferred to Flagstar bank in later XX/XX/XXXX because XXXX XXXX sold some of their customers to Flagstar. Since there are no branches of Flagstar near my previous city - XXXX, XXXX, I stopped to use the checking account of Flagstar. I transferred all my money out of this checking account and keep XXXX balance on it in XXXX, XXXX. In XX/XX/XXXX, I moved to XXXX and I found my XXXX reports me having debt from Flagstar. I called the customer services of Flagstar. They told me they started charging me several dollars from someday XXXX or XX/XX/XXXX due to the XXXX  balance or whatever. After about 20 or 20 days they closed my checking account and sent a debt of {$170.00} to a collection company on XX/XX/XXXX. I have no idea about the penalty fee of XXXX balance of the checking account. I have never heard the fee neither. Also, I have never been notified by mail or email about the charges on my account. However, in order not to influence or ruin my credit history, I directly paid the debt but I still have no idea about the charge. Recently, I requested a report from XXXX  and found the reported information on the debt is about abusing account. I don't think I abused the bank account and I should not be charged for the unreasonable fee. I think the bank intentionally charge people and close their account without any notice.
Product: Mortgage

I refinanced my home at XXXX XXXX XXXX XXXX XXXX, Az. in the XXXX  of 2020. The lender XXXXXXXX XXXX  XXXX # XXXX, listed the balance on the statement of XX/XX/XXXX XXXX20 as XXXX which included principal and interest and fees. The refinancer Axos bank 's loan XXXX, quoted no fees and listed an incorrect balance of XXXX that they said they got from XXXX. I paid with the XXXX Invoice from XXXX XXXX, ck XXXX on XX/XX/XXXX. They sent back a repayment to me after several weeks. I called XXXX and they said they had also been over paid XXXX. XXXX, and sent me a check for that amount several weeks later which I then sent to Axos on XXXX XXXX ck # XXXX to be used against the balance. I have paid Axos XXXX ck # XXXX, XXXX ck # XXXX and XXXX ck # XXXX. I received an an invoice today XX/XX/XXXX20 due XX/XX/XXXX20 for total due of XXXX with a balance of XXXX and a late charge of due XX/XX/XXXX of XXXX. I have communicated by letter email and phone with Axos with no response to the amounts owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity I believe from a data breach with Equifax I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX Metro Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Product: Bank account or service

Response to My claim Case number : XXXX TD Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from TD bank. Today is XXXX ... and no check. received.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX  # XXXX XX/XX/year> -- {$41000.00}