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

On XX/XX/2022 I notice there was serval errors on my credit report with Experian, XXXX and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Product: Mortgage

Wells Fargo has denied my refinance based on inadequate insurance. That in itself isnt why Im registering a complaint against Wells Fargo. Wells Fargo has used my application for refinance as a method of extracting funds from me for their own profit while knowing at the time that I would not qualify for refinance. Wells Fargo took fees from me for an appraisal and credit report at a time they had the information about my insurance that they used to disqualify my application. Wells Fargo services the existing first mortgage on the same property. 

After they indicated that they would not allow my refinance with them they refused to release the documents that would be needed to transfer that appraisal to another lender so that I could use the appraisal I paid for. The reason Wells Fargo will not release the document that would allow the transfer of the appraisal I paid for is because that document would show that Wells Fargo actually charged me more for the appraisal than they paid for it, making money on that appraisal while knowing they would deny the refinance. This is unscrupulous and is proof that Wells Fargo extracts funds from unsuspecting clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS BEEN UPDATED TODAY AS RECENT DAMAGE! UPDATED INFORMATION CAPITAL ONE CONTINUES TO POST FRAUDULENT HARD INQUIRES ON MY XXXX AS OF RECENT UPDATE FROM MY XXXX CREDIT REPORT XXXX CONTINUES TO REPORT UNAUTHORIZED HARD INQURES! 


15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson 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. 

FRCA 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to SANTANDER CONSUMER USA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The XXXX report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Product: Debt collection

The company XXXX made a deal with the property owner it would pay all the debts if I moved out by XXXX and I moved out and they still charge me {$1500.00} by making up stuff about apartment thought I overstayed charge me late fees fixer up fees Etc what they did is Criminal they make up stuff and lie about it and I have to pay for their criminal activities. I will not be taken advantage they should be charged criminally in court
Product: Vehicle loan or lease

Complaint Number  XXXX , was closed  XXXX   XXXX ,  2017 without contacting me. It needs to be re-opened fo r further research by  XXXX   XXXX   XXXX , there was a death in my family, & I did not have the time to respond. I 'd like the CFPB &  XXXX   XXXX     XXXX   XXXX   to investigate unlawful business practices at WFDS.  XXXX   XXXX  needs to be provided with correct information to conclude his research, which in part is provided belo w. Today   XXXX   XXXX  is the first time I am reading the agreement, that was forged with my signiture electronically.. The information  XXXX   XXXX  provided me with in his letter is false e. WFDS ha d my addres & the ability to contact me. They state they were unable to contact me, yet they were illegally able to track me down, and take my car  XXXX   XXXX ,  2017  on a Friday purposely because they are closed for the weekend. I 'd also like for the  FBI, SEC  and other agencys in   XXXX  Florida/NY  to investigate the mass ive cyber  breaches that have accurred at every singl le Wells Fargo Branch from NY to FL, that caused  me signifigant harm.. Please see attached documents.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I recently reviewed my credit reports and was shocked to find a collection account from Regions Bank. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.
Product: Credit card

Purchased a king size mattress on XX/XX/2022. Charged it on a XXXX credit card. 
After still paying found that several holes were found on the fabric of the mattress. 
The mattress that I was replacing was 20 years old with no issues. I reported this to Mattress Firm and first of all was told that I had bought that at the outlet store. The store in XXXX XXXX IL on XXXX and XXXX XXXX nowhere does it state that it's an outlet store. 
Spoke with the manager about the situation and they wouldn't do anything. However, after filing a complaint with the XXXX XXXX XXXX, I was told that I could exchange it. I went back to the store and there was only 1 mattress that I found to be comfortable. However, they told me it would be an addition {$1000.00} making the mattress {$3000.00}. 
That is not what I wanted to spend for a mattress when I entered the store. The Regional Manager called me and said that there was nothing they can do. The XXXXXXXX XXXX Credit card claims that they filed a complaint and came up with the same conclusion that my claim is not valid. 

Within a year, the mattress is falling apart. How dare they take advantage of regular working people. Also, stated that I got it at an Outlet where there is nowhere a sign that says I was in an outlet. I think that this company is lying to people to buy there product and selling LESS THAN PAR Products.
Product: Money transfer, virtual currency, or money service

So on XX/XX/XXXX at approximately XXXXXXXX XXXX. I tried to cash out {$1000.00} from cash app to my chime account that I added 2 minutes prior. When I did not receive the instant cash out to my time account I noticed that it had gone to a different card that I did not have possession of that I don't have never had. So I contacted cash app and they told me that the money went to a XXXX XXXX  card with transaction number that they gave me I contacted XXXX XXXX XXXX XXXX can not find that transaction number and their system for that date or time or at any point I guess and I have been trying to get with cash app to try to get this fixed ever since then I keep getting denied by their what they call specialty team. So I've got the cash app too tell me that I based on their records added added a card deleted a card and hit the cash out all at the same very exact same minute so I need this looked at and remedied please help
Product: Credit reporting, credit repair services, or other personal consumer reports

remove inquiry off of credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX | XX/XX/year> : XXXX | XX/XX/year> : XXXX | XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
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 XXXX Account Number : XXXX and 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

So one of the Main Credit Bureau agents did what I asked. So I attached the information down below. So you all can see
Product: Checking or savings account

On XX/XX/2024, the amount of {$3800.00} dollars was deposited into my account by check in a branch office to purchase a XXXX item. The person making the purchase and deposit is in another city and making the purchase remotely. The person who deposited it only had to send XXXX, so they then requested that I return what I had sent extra, and so I did. by means of electronic transfer, at the time of doing it the money appeared as available funds in my account but then the same amount that that person had sent was returned to him, that is, the amount of {$3800.00} and he also received the amount of XXXX that I had already sent, thus leaving my account in negative since I had already sent them money and did not have sufficient funds which to cover that transfer made by me. I then brought this to Wells Fargos attention and asked why they would make funds available and then remove them if the deposit was made before XXXX and then rejected on the same day. Also, I have not given authorization to Wells Fargo to allow for overdraft of my account if I do not have sufficient funds. Wells Fargo said that they allowed her to send the money because the funds were available at that time but that after the account was reconciled overnight the deposit was returned unpaid. They then told me that they had no responsibility in the matter because the transaction was authorized by me and because the transfers were done when there were sufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to XXXX XXXX and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
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.

has violated my rights. 

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 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 15U.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 then 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: Checking or savings account

I am trying to close an account held jointly by my deceased parents. My father died in XXXX and my mother died in XX/XX/XXXX. I am the sole heir and listed legally as her personal representative. 
Last XXXX, I have trouble getting any response at all from Chase despite numerous phone calls. Finally, I was able to get an address to send information to, but after that I received no further information. By XXXX, I was able to get hold of someone in a branch who insisted that I had not submitted the documentation despite my receipt of a certified letter that I had. By XXXX, I was able to speak again with someone who told me that Chase did have the documentation I sent but that I needed one piece of additional documentation, in the form of a small estates document. I submitted that today and now was told that I need additional documentation and that the documentation I sent previously was somewhere in the system but unattainable by the people in the bank who needed to see it. 

I believe that the bank is withholding the money in this account capriciously, being careless and irresponsible with personal documents and continually changing requirements to access money so that the money remains at Chase.

I want to transfer the money that was in my parents ' joint accounts at Chase into my an account my mother and I held jointly at Chase. I believe I should have been able to do this in a timely fashion and can document the fact that I started this process before XX/XX/XXXX. I also made bold the part of a Chase document that states that the bank will let consumers know within 30 days if additional documentation is needed.
Product: Mortgage

I've been trying to get a Home Equity loan from my local bank. XXXX XXXX XXXX. While they were researching my mortgage they found I had 3 mortgages outstanding on my home. My mortgage is with Chase. What happened here is Chase bought my Mortgage from the  Mortgage Store in XXXX XXXX Missouri. Now XXXX  XXXX  XXXX was shut down by the government years ago before Chase bought my mortgage. XXXX XXXXXXXX  XXXX paper work was never cleaned up by Chase. After Chase bought my mortgage XXXX XXXX  XXXX mortgages was never closed out. The only real mortgage I have is with Chase. But on my credit report it shows 3 mortgages. Chase was contacted on this a month ago. I don't have the dates on this. Chase told my bank it would take 15 days. I called Chase last week to complain. 5 days later I get a call from Chase that it was going to take another 15 days because they were going to have to get a third party to do this work. This means it is going to take total of 45 days to get this done. Chase should have been done this 7 to 8 years ago when they bought my mortgage. There is no reason my mortgage with XXXX XXXX XXXX should ever show up unpaid. Chase bought my Mortgage and never marked it paid. My bank told me I could get a Home Equity Loan in 4 to 6 weeks. Now because of Chases mistake it's already been 12 weeks and no loan in site. This is costing me money. I have a contractor waiting .I 'm also going to buy equipment  for my business. My business is shut down until this loan comes through. I have customers waiting. Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Subject : Cease Request for Deletion of Inaccurate Collection Account from Credit Report Dear XXXXXXXX XXXX XXXX I am writing to you regarding a collection account that appears on my credit report, which I believe to be inaccurate. I am formally requesting that you cease all reporting of this account. 

I have reviewed my credit report and noticed that your company reports a collection account that I believe is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I formally request " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. The Date of the Last Activity on the account.

4. Full, accurate identification ( e.g., my Social Security Number ) that may help to identify me as the correct person you are attempting to collect from. 5. Documentation confirming that you have the legal right to collect this debt. 6. Any correspondence related to this account that includes my signature or consent. I demand that you take the following actions : 1. Im
mediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation.

Please be aware that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly and amicably. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract
Product: Debt collection

I have a debt with XXXX XXXX XXXX for an early terminated rental lease agreement. National Credit Systems , Inc purchased the debt. I have been attempting to resolve this and I am unable to get any assistance. I called and was informed XXXX XXXX is in charge of my account. I spoke with XXXX XXXX once and she got frustrated and hung up on me. I have attempted to contact her numerous times since to no avail. The receptionist answers and transfers me to XXXX XXXX. XXXX XXXX will pick up although she will introduce herself and ask me to hold and will leave me on indefinite hold times. I have expressed this issue to the receptionist and asked to speak with someone else although was informed the only person who could speak with me was XXXX XXXX. I have continued attempts at reaching XXXX XXXX for assistance although she continues her refusal to assist me.