23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Well Fargo has continuously taken excessive overdraft fees ( {$35.00} per overdraft ) for every time there is a charge and that typically adds up quite a bit. 

Usually I have funds within a week or less to the account but a lot of the paycheck goes to fixing overdraft fees and puts me further behind. 

This continuous effort to " catch up '' on fees is very difficult to manage and sets me back further. 

Wells Fargo has helped in the past with courtesy reversal fees but has not chosen not to help with them any longer despite the funds returning to my account shortly after. 

Current overdraft charges of {$240.00} for XXXX transactions, most of which cost less than {$35.00} each. 

This seems incredibly unreasonable considering most other companies do not charge anywhere near that.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are reporting correct account but EQUIFAX HAVE FAILED TO DO SO I am requesting for my account be added onto my credit report i am sending report from XXXX and XXXX of the account that is not reporting to equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been with Credit Karma for years now. Im so happy to know that Im not the only person that was tricked into applying for a credit card that they knew I wouldnt get approved for. This has happened on more than occasions. I havent applied for anything through them in a a while because I know that wont be approved. Im not sure how they are still in business because nothing on the website gives accurate information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX, I have been a victim of their data breaches, and I demand the following accounts be removed from my credit report. Unless you can provide me with Each and every document I am requesting, XXXX Demand these removals of each account immediately. You have caused me financial distress, mental anguish, and ruined my reputation to obtain credit. Also please provide me with a written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit reporting agencies are in violation of FCRA : 15 U.S.C. 1681a ( Definitions and rules of construction ).

15 U.S.C. 1681b ( Permissible purposes of consumer reports ).

15 U.S.C. 1681c ( Requirements relating to information contained in consumer reports ).

15 U.S.C. 1681e ( Compliance procedures ).

15 U.S.C. 1681s2 ( Responsibilities of furnishers of information ).

Privacy Act of 1974 ( Public Law 93-579 ).

Public Law 90-321 ( 82 Stat. 146 ).

in addition..I am writing to request a detailed list of all entities that have accessed my credit report from your credit bureau, including the names of the parties that requested my credit report and the dates of these inquiries. This request is in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to know who has accessed their credit information.

Furthermore, I request proof of my explicit written consent for each inquiry made on my report. Under 15 U.S.C. 1681b, my credit report may only be accessed for permissible purposes and with my consent, where required. Therefore, I request that you provide me with documentation showing that my consent was obtained prior to each inquiry listed.

Please provide me with the following information : A list of all entities that have accessed my credit report, including names and dates of the inquiries.

Proof of my written consent for each inquiry, including signed authorization forms or other documentation that show my consent to allow these parties to access my credit information.

If applicable, documentation of any permissible purpose under the FCRA for each inquiry.

If any inquiries were made without my consent or without a valid permissible purpose, I request that they be removed from my credit report immediately.

As required by the FCRA, I am entitled to this information, and I expect a response within 30 days of the date of this letter. If the requested information is not provided in full, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Currently on my XXXX mortgage servicer ( Shellpoint ) where my loan was transferred to in XXXX XXXX. Concerned that property taxes for XXXX half of XXXX due XXXX XXXX have not been paid. The tax bill was sent to Shellpoint by both myself and the XXXX XXXX XXXX. I have received no confirmation by Shellpoint that the property taxes have been paid. I need to know that they have been paid while I continue to try and have a loan modification or some type of loan mitigation approved that is acceptable and sustainable.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block these files : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, and without warning this company sold my current loan to a debt collector. My loan was not overdue so there was absolutely no reason for it to go into collections. Now I have no way to pay off this loan because the debt collector is refusing to collect payment. In fact, they claim they know nothing of my account or seedfi.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you review the documents? Several accounts listed have inaccuracies in their reporting, including wrong amounts and dates.
Product: Debt collection

Credit Collection Services- is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This is a credit collection agency that I am not in contract with,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX have 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 an account without my written instructions Transunion Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past XXXX years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! Transunion has committed FCRA violations such as taking longer than 30 days to provide accurate response, Violated proper debt dispute procedures, Privacy violations, Withholding notices and Furnishing and Reporting inaccurate information. 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide XXXX  and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in XXXX  ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Product: Mortgage

Ditech sold my mortage to XXXX the End of XXXX / beginning of XX/XX/2020. I accidentally sent my XXXX Payment to Ditech instead of XXXX. The payment was sent from my account on XX/XX/2020 to Ditech. I supplied all supporting documents like they asked to show proof of the payment. They sent back a response stating that they payment was not relieved by them. I also have proof of the two payments that I have made since the XXXX  on XX/XX/2020 & XX/XX/2020 that I have made out of my bank account. These payments are the only two payments applied to XXXX. My XXXX payment was not transferred to XXXX from Ditech. I will supply all supporting documents when needed - Ditech ( payments made to them & the dates ) to XXXX ( payments made to them & the dates )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to correctly report my revolving accounts for almost a year. 

Equifax is NOT reporting my revolving account also known as credit card accounts. Those accounts are as follows : XXXX XXXX XXXX ending in : XXXXXXXX XXXX XXXX XXXXXXXX ending in : XXXX XXXX XXXXXXXX has written a letter to Equifax directing them to report these XXXX active credit card revolving accounts on my credit profile. Attached is a letter. 

I have filed 4 complaints with CFPB regarding Equifax to correct this error and they have yet to do anything to fix their error. 

With the advice of my attorney, I am filing one last complaint before filing a lawsuit against the Equifax corporation for damages.
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine.

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed Immediately.
Product: Credit card

long long long process : 17 was STOLEN from my card. it was FRAUD. while Citibank examined this fraud, they told me NOT to pay the card. I did not. THEY INSTEAD PENALIZED ME FOR LATE FEES and REFUSED TO TELL ME THE BALANCE on what I purchased. THey reportred me to all XXXX credit bureaus. 

I AM PAYING NOW : 1. my balance LESS the late fee because they told me to NOT pay the card while it was being investibated for FRAUD for XXXX THey need to : REMOVE my name from XXXX, XXXX XXXX and the other crediit organization because they made my credit go from XXXX to XXXX I called htem, wrote to them, wrote to their exec team, complained to XXXX XXXX involved my lawyer XXXX XXXX XXXX These people are absolutely disorganized. happy to provide all XXXX plus correspondence. 
THey need to CLOSE MY CARD wh ich I have asked over and over and over and over again. are they just plain STUPID
Product: Credit reporting or other personal consumer reports

Im trying to reach Experian and I cant get any live person on the phone
Product: Credit reporting or other personal consumer reports

I discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts. I've also seen some fraud inquiries. I need your help to please delete these accounts from my profile asap : The fraud accounts are : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for me?
Product: Debt collection

According to RentDebts website, RentDebt is required by federal regulation to send a validation letter, and we send this letter the day after the account is finalized in our system. This letter must inform the former resident of the accounts status, the name of the original creditor, and provide the individual with a 30-day window to validate the debt, pay the account, or set arrangements. 


I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. 

Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from RentDebt regarding the alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
2. Credit Reporting : Despite not receiving the required validation letter, RentDebt has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. 

The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX.