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

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. US DEPARTMENT OF EDUCATION never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Product: Checking or savings account

Wells Fargo has been doing me wrong for years ATM fees overdraft fees etc and also I'm XXXX and I have direct deposit but they wait till the end of the month to take their fee out right after I'm about broke they do a lot of shady stuff I'm not sure what all they have done to me it's been so much mostly ATM fees and overdraft fees that it was unruly unnecessary
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and there is an account on my credit profile from XXXX, was determined to be fraudulent. I am attaching the letter from XXXX to remove this account from my credit file. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

A card was open in my name with capital one bank using my information without my knowledge. I reported it to capital one bank. They close the card ending in XXXX and open a card ending in XXXX. 

I was out of the US for two years. The account was open while I was in XXXX ( XXXX ). I suspect my sister as I left her in my home to care for my daughter while I was away. But she denies it. I reported it to the police. 

Please close all credit card accounts in my name as they are fraudulent accounts. 

Thanks,
Product: Debt collection

I asked for proof this debt belong to me, and they didnt not furnish such proof.
Product: Bank account or service

I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX OF XXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX, Equifax, and XXXX have reported a 30-day late payment from XXXX XXXX XXXX XX/XX/XXXX I have previously disputed. I reached out to XXXX XXXX on this matter and they told me it was paid 3 days within the statement date and should not be reporting as late on my consumer report. I sent a letter via mail on XX/XX/XXXX asking to mark it as OK on my consumer report. I received a late response from Equifax and XXXX via mail explaining the account has been verified. In return caused my credit score to drop dramatically affecting my livelihood. XXXX never sent any mail. I sent out a 2nd round of letters on XX/XX/XXXX asking how they verified the account, I dont agree with the results of your investigation. Please mail me proof of your investigation or remove the negative information. Equifax and XXXX sent a letter back saying " THIS ACCOUNT HAS BEEN UPDATED ''. XXXX didn't send a letter. I would like my XXXX points to get put back on my credit score from the dispute and the late payment marked as OK. It has been brought to my attention several violations according to 15 us 1681s, 15 us 1681a, 15 us 1681a-2 a few among others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to Equifax. The complaint number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Equifax to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Mortgage

Loan Applicant initiated a request for conventional loan to purchase an investment property with Wells Fargo, on or about XX/XX/2022. 

Wells Fargo requested a Letter of Explanation- Large Funds-Statement of Funding Source, on or about, XX/XX/2022. 

Wells Fargo requested a Source of Funds for Large Deposits-Statement of Funding-Source, on or about, XX/XX/2022. Documentation from Loan Applicant was requested to show the source of funds for several large deposits. 

The Loan Applicant provide Wells Fargo, a statement on or about XXXX XXXX to explain. The Loan Applicant 's Spouse performed several income distributions from a Private Entity. Further explaining the Private Entity is not a party to the Loan Application and will not be added the Deed. The Large Deposits and Source of Deposits is distributed income. Back and Front copies of each source of funds was provided to Wells Fargo. In coordination, with a title company the Deed will be assigned to the Loan Appliant only. 

Wells Fargo advised, on or about XX/XX/2022, the Loan Applicants explanation was insufficient. Wells Fargo requested access to the Private Business 's bank account records. The explanation given by Wells Fargo is that FDIC requires verification the Source of Funds is not foreign, illegal, ponzi scheme, or other forms of fraud. 

Multiple phone calls and emails were exchanged during XX/XX/XXXX to XXXX, XXXX. 

The Loan Applicant, during XX/XX/XXXX to XXXX, XXXX, requested clarification of Wells Fargo policy for Proof of Funds, Source of Funds, Underwriting and Closing procedures. 

The Loan Applicant, on XX/XX/2022, emailed Wells Fargo to advise he/she was considering cancelling the loan application due to unanswered questions. Wells Fargo 's requirement to pierce a Private Entity and an excessive means to verify the Source of Large Deposits. 

Wells Fargo, on XX/XX/2022, contacted the Loan Applicant to discuss the unanswered questions and to apologize. 

The Loan Applicant, on XX/XX/2022, inquired if Wells Fargo would accept a letter from a bank institution on behalf of the Private Entity. Such that if the letter written by the bank could validate the Source of Funds is active, in good standing, valid and legal. 

Wells Fargo, on XX/XX/2022, advised a letter written by a bank is not sufficient. The only way to suffice the Wells Fargo requirements is to provide the bank statements of the Private Entity.
Product: Credit card or prepaid card

On XX/XX/2021, my car was broken into at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. My passenger car window was shattered. My wallet, gym bag, and lunch tote were all stolen and multiple charges were attempted on all my debit and credit cards, including my old unemployment card. When the electronic fraud alerts populated, I selected that they were fraud charges on all of them so I dont understand how this charge went through. One charge went through on my chase sapphire credit card for {$1100.00}. I have spoken with chase multiple times about this. The first call they reassured me the charge would be removed and no documentation was necessary. The charge was then added back on my card towards the end of XXXX. I called and they said the charge was valid and I am responsible for it because a PIN number was used - there is no PIN number for this credit card so thats invalid. I proceeded with providing screenshots of the drivers license renewal, screenshots of all the fraud alerts I was notified of, and a police report, and they deemed the charge valid still. No one is contacting me directly about it and they are avoiding helping me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act rocky mountain capital management and office of attorney general has violated my rights.

15USC 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 a late for any purpose.
Product: Credit reporting or other personal consumer reports

I noticed that certain items are incorrect and need to be updated or deleted. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX  XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. 
XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Checking or savings account

Today alone I spoke with 9 Citibank staff who refused to take Fraud. XXXX hung up on me after 2.5 hours of this. Attached is cost if hotel given to XXXX, branch manager 2 months ago. I have gone on 7 times and saw XXXX, personal banker-this was 1st time notified of this. Attached is cost that XXXX, branch manager was supposed to send to fraud Dept.  But did not. Proof of cost attached.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings hy the CFPB which identifin similar XXXX XXXXXXXX XXXX  by Nvy Federa XXXX XXXX XXXX where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccuracies on my Experian credit report, report number XXXX, generated on XX/XX/year>. Despite filing multiple disputes with Experian, the information remains incorrect. The following items were either not addressed properly or marked as " verified '' without adequate documentation : XXXX  XXXX ( Account XXXX ) : Marked as " Verified and Updated, '' but the reporting is inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Discrepancies remain, though marked " Verified and Updated. '' XXXX  XXXX XXXX ( Account XXXX ) : Marked as " Remains '' with no resolution or explanation after my dispute. 
XXXX XXXX XXXX ( Account XXXX ) : Marked as " Verified and Updated, '' but the accuracy is still in question. 
XXXX XXXX XXXX XXXX XXXX Account XXXX ) : Updates were made, but verification was not provided. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Marked " Verified and Updated, '' but discrepancies persist. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Marked " Remains, '' yet Experian has not provided evidence supporting the accuracy of this account. 
Additionally, there are redundant and incorrect address entries on my report, including : 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 XXXXXXXX Experian has failed to address these issues properly, despite my disputes. I believe this violates the Fair Credit Reporting Act ( FCRA ), as Experian did not resolve my disputes within the legally required timeframe or provide supporting documentation for items marked as " verified. '' I am requesting the CFPB to investigate Experians handling of these disputes, require them to provide verification for the accounts in question, and ensure all inaccuracies are corrected or removed. 

I have attached supporting documentation, including the relevant credit report and dispute correspondence, to substantiate my complaint.
Product: Debt collection

I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquire from Comenitycapital/XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to XXXX and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to Comenity Capital Bank I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.
Product: Vehicle loan or lease

I was selling my vehicle for {$25000.00} the payoff on the vehicle was {$16000.00}. The buyer gave me a certified bank check in the amount of {$25000.00}. On a recommendation from the bank teller at my local branch when depositing the check they said I should put the whole payment towards the payoff of the vehicle and they will refund me the overpayment amount. They said the title would be released in 3 business days and so would the refund check. Ive called Bank Of America everyday for the last two weeks and everyday I get a different story as to why they havent released the title yet. They tell theres a hold on it but no one will tell me why. Every time I call they say it will be released tomorrow this went on for 2 weeks then it was to be released on XX/XX/XXXX. I called on the XXXX and they said it would be released on the XXXX. I spoke with them again on the XXXX and now they tell me it should be released on XX/XX/XXXX. BOA is putting me in a very dangerous financial situation the buyer wants the XXXX returned to him ( which I have no way of doing that ) if I dont get the title to him soon. Its a scary time to think banks can scam people out of their money and property. I have done everything correctly in this situation and they refuse to release my title and refund check.
Product: Debt collection

Afni sent me a letter to my job instead of my personal address. Embarrassing me in front of my job and threatened that if I did not pay, they were going to suspend my license and registration. They sent me this letter XXXX months after the fact.