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

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXXdata breach and this may be the result of this nefarious activity on my reports.
Product: Checking or savings account

Here we are again a month later with more Wells Fargo issues. Tonight I attempted to deposit {$1900.00} into my checking in {$100.00} bills. Machine took the deposit then kicked it back with an error code on the ATM screen saying " Unable to complete deposit transaction, please call this number. '' I tried it again, same result. Assumed an ATM issue and left. 

I was my way to dinner with my partner and I knew there was another Wells Fargo bank next to the restaurant. We arrived to the next location where I tried again to deposit {$1900.00} or {$2000.00} in {$100.00} bills. Again the system accepted then again declined with the same error message. 

I am self employed with many sources of income, but am a XXXX XXXX XXXX as well therefore I need to deposit larger cash sums as much as I can, as its very unsafe to carry around more than {$500.00} in cash in this city, in my opinion. 

I tried to open a business bank account online however the Wells Fargo system rejected my request and rather said I had to make an appointment. 

This is unreal that from my prior complaint NINE days into using my account I am blocked on XXXX only for Wells Fargo to admit that their system placed the block because it was " unusual. '' What a great cover story for illegally freezing a customers assets. " For your protection. '' Sure sure sure. 

Now I can not deposit money no one has called, no letters no nothing. Just more account problems. I drained my account completely tonight as this is VERY SCARY what they are doing.
Product: Credit card

A Best Buy credit card was opened under my name and a purchase was made with that card. I already contacted Best Buy and they confirmed that card was opened fraudulently.
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 : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

XXXX XXXX XXXX XXXX : XXXX, {$1400.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX : XXXX, {$310.00} XXXX XXXX XXXX : XXXX, {$730.00} receivable management : XXXX, {$190.00} XXXX XXXX XXXX XXXX : XXXX, {$2000.00} XXXX XXXX XXXX : XXXX, {$260.00} Subject : Request for

Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences. I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report. Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law. A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences. A written confirmation of the actions taken to resolve this issue. I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws. Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a XXXX XXXX was opened under my name. The balance is now {$11000.00}. On XX/XX/XXXX a XXXX XXXX XXXX was opened under my name. The current balance is {$450.00}. On XX/XX/XXXX a XXXX XXXX was opened with a balance of {$13000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. XXXX XXXX TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages. 
2. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello! it has came to my attention after viewing my recent credit report that some unauthorized inquiries was placed on my report due to an improper use of my credit report and this is a serious violation to my rights as a consumer. None of the listed inquires are attached to me nor do i have anything to do with them. please kindly investigate and remove. 

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
Product: Checking or savings account

A fraudulent account was opened in my name, and I haven't been able to get Bank of America 's fraud department to take my calls, or respond to messages over XXXX. I was notified the account was opened over email towards the end of XXXX, and received a new notification today, XX/XX/22. I called Bank of America 's fraud department, and the first person was unable to help me. They transferred me to the checking fraud department, who hasn't answered the phone. I reached out to Bank of America through their XXXX customer service chat, but no one answered the chat either.
Product: Credit card or prepaid card

I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX  data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. 

I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. 

On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. 

Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? 

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. 

Thank you. 

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

This is happening again to me. There has never been any late payments to cause a credit score drop. My student loan is working to find me a lower payment not because of ever being late for a payment.There is drop of 37 points on my Equifax report and this is a crime.My student loan is in forbearance legitimately. My complaint is that this keeps happening and it is against the LAW to lower ones credit score due to a student loan adjustment, I am having my Federal Loan changed to show a lower payment monthly, Never have I been late. I'd like the Federal Government to look into Equifax 's practice that are clearly illegal. I demand that steps be taken to stop this type of illegal practice. All my payments to everyone have been on time and they need to readjust my score to reflect the truth.
Product: Credit reporting or other personal consumer reports

Starting in XXXX, I have made multiple attempts to contact Equifax and XXXX Credit Bureaus with no success. When I contact Equifax, if gives you an option to speak to a representative, but I've been unable to get through the automated system because I don't know the answers to the questions that the automated system asks to verify my identity. When I contact XXXX, there is no actual option to speak with a representative. 
I recently received my credit report, but I need to ask questions about what the details of the report mean. In order to do this, I need to speak with an actual human because neither the automated systems or online support has the question I have listed in the available options. 
I also wanted to inquire about freezing my social security number ; but again, there is no option to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Mortgage

In XXXX of 2018, Wells Fargo sold my loan to XXXX XXXX XXXX. When they sold my loan, they increased my mortgage maturation date to XXXX from XXXX - which was the original maturation date. I called Wells Fargo, they said they no longer had my files and could not change anything regarding the file. I called XXXX XXXX XXXX they could confirm that the maturation date had been changed however they say they can't address anything regarding my file before it came to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XX/XX/2021
Product: Checking or savings account

Chime has violated the Electronic Funds Transfer Act by not refunding my stolen {$1100.00}, despite having sufficient evidence of fraud. There is an ongoing investigation with a police report and case number that I provided to the Chime investigator. I reported the theft within 30 minutes, and according to the act, my liability for the lost funds should not exceed {$50.00}. Chime has neglected to conduct a thorough investigation into the unauthorized transfer and may have intentionally disregarded the laws governing electronic transfers. Although the theft was initiated through XXXX XXXX, the funds were taken from my Chime banking account. 

I have never withdrew money using cashapp for more than XXXX dollars, which is a clear sign for chime that fraud as took place. 

I was in an unfamiliar city traveling for work when the theft took place. 

I dont have money to spare in the amount of XXXX dollars. 

I have never sent any money or had any affiliation with anyone named XXXX XXXX. Which is the cash app account the money was transferred to fraudulently. 

I have an active investigation and a sworn statement and police report filed that was also provided to chime. 


I think it is clear that chime has violated regulation E of the electronic funds transfer act and have deliberately tried to avoid liability of unauthorized transactions as it written in the law. I plan to take legal action against chime in XXXX XXXXXXXX XXXX XXXX  where their registered agent is should all other avenues be unsuccessful.
Product: Mortgage

Wells Fargo was advertising 2.66 % fixed APR refinance rate on the Internet through XXXX search. They asked very extensive questions about my credit history and property. I owe $ XXXX on a $ XXXX home ( 1st and small 2nd mortgage ). I wanted to consolidate and shorten my term. I currently have 3.25 %. My husband and I both have excellent credit ratings. XXXX! NEVER miss a payment. We have ZERO in credit card debt. Two minor car loans and mortgage. We have over $ XXXX in our retirement, accounts and $ XXXX in our bank accounts. Sound like the perfect couple to write a mortgage for? We are. 

So after I give all this personal info AND they run a credit check ( hurting my credit rating ), they came back with an offer of 3.2 %. Seriously? 

I asked if you can't give me that low rate exactly who gets it. hem, haw, hem, haw manager gets on phone and gives me a line of XXXX. I ask, how many loans did you and the rep I just spoke to personally make this week at 2.66 %? None. Well how about in the past month? None. So this is a bait and switch scam? Oh no no no. More BS. If you have a second mortage you didn't take out with the first, the rate is higher. Well that's absurd because the bank will not make a 2nd mortgage loan the day the first is written. They aren't allowed. So again, it means that no one gets that rate. Which was confirmed that the 2 people I talked to never gave that rate. So it's bull. If my husband and I, with our credit rating, savings, and track record, do not get this rate, no one does. 

Wells Fargo is a sleazy business. They should have been put out when they got caught cheating before. Do something. It's time for big money banks to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX, my credit score drop dramatically for no reason. Attached, you'll find images that show there was no reason for my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian markets their Experian XXXX feature to improve your FICO score. They say you can use streaming services as a metric for increasing credit scores. I have been paying XXXX premium since XX/XX/2018. They say they can't find a service to attach from my connected bank account to use to increase my score. This is false advertising and deceptive business practices. I also paid for the enhanced membership. This is just a gimmick to defraud XXXX and XXXX communities who are already marginalized in the area of credit reporting.
Product: Bank account or service

On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card.