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

I am writing to address inaccuracies on my credit report with Equifax regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Equifax has incorrectly listed late payments post-account closure, which is both inaccurate and misleading.

Furthermore, during the COVID-19 pandemic, I reached out to creditors, including Credit Acceptance , and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified.

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process.

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history.

please find attached a letter to Equifax, my ID, my SSC, my proof of address, XXXX credit report showing 0 late payments.
Product: Bank account or service

Around XX/XX/XXXX I was checking my online savings account with Wells Fargo. I noticed that {$10.00} service fees had been deducted from my savings account for many, many months. These " service fee '' deductions had been occurring even past the statements I could access. I had stopped receiving paper statements when Wells Fargo promoted electronic statements as preferred means of sharing financial information. However, as a result they limit your ability to access the electronic statements to the previous 10 months only. ( The branches will also tell you that they and you are not allowed to access statements older than 10 months. ) I was shocked to discover the deductions when I thought my savings account was designated as a " student account. '' I had previously given Wells Fargo all necessary documentation confirming my enrollment in a XXXX program in XX/XX/XXXX and would be in said program for a minimum of 4 years. 

I was told when I called Wells Fargo to inquire about the service fees that my account status had been changed to a different account type, and therefore the terms of my account had changed and thus the service fees. I was shocked that I had n't been notified of the changes! What was more shocking is that they could n't tell me how many service fees had been charged, and I was also told that the electronic system would not allow them to see how far back the service fees went! I am great with my finances, and I check my online accounts frequently. I felt like the service fees had been charged retroactively, and more than that I could n't even get information on how many service fees I had been charged. It was a shocking and disturbing experience when today 's technology should not restrict this kind of electronic information, but furthermore even the branch tellers could n't tell me how much Wells Fargo had deducted from my savings account. From my knowledge of the balance before the service fees I estimate they stole about {$300.00} from me. 

I tried to dispute the charge contacting Wells Fargo by phone, email and finally going into the XXXX XXXX, CO branch several times. I was told there was nothing that could be done, and they reimbursed my only {$10.00}. It was infuriating. After many, many months of trying to resolve the issue, I closed my accounts with Wells Fargo XX/XX/XXXX. 

It was devastating to me to lose money that is so precious. As a student every penny I have, especially in my savings account, is precious. It was devastating also that my bank who I opened my very first account with at XXXX years old, and who I had carried credit cards with and opened student loans with, could steal from me so blatantly after they have already made money off of me though other financial services. 

I had given up hope of ever properly getting retribution from Wells Fargo, and even now I suspect I wo n't see a penny of the money stolen from me. Nonetheless I remain extremely angry that a bank could so audaciously steal precious savings from me. Thank you for attention to this complaint, and thank you for stopping these predators.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY XXXX  XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on Equifax is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.
Product: Checking or savings account

I paid for a hotel stay on XX/XX/2024 and was supposed to be refunded the whole amount after there was an issue raised to the hotel XXXX on my behalf. I sent XXXX the invoice and they did not issue the refund. Instead, they decided to close my checking account after an improper investigation of the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a series of unauthorized inquiry on my credit report. I recently became a victim of identity theft, and my personal information was used without my consent while I was incapacitated in the hospital. As a result, several unauthorized inquiries were made by car dealerships on dates listed below. Please remote all inquiries. 

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

I have been disputing an account this is impacting my credit score because XXXX and TransUnion are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both Transunion and XXXX are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.
Product: Credit card or prepaid card

When I use my credit card, which is a Bank of America card, to withdraw a certain amount from my account the first time, by withdrawing from the machine normally, and if I use the same card to withdraw another amount on the same day, the machine refuses to give me the required amount even though there are sufficient amounts in my account, and this caused me several concerns. Sometimes, why don't I calculate from my account the amounts I want at a time, even if it is on the same day? Secondly, if I want to transfer an amount from my account via zelle to anyone, the bank refuses to complete the process, and this is a large number of the bank to the point that I became intolerant of this transaction
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XX/XX/XXXX -- {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX IN # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00XXXX XXXX # XXXX XX/XX/XXXX -- {$440.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/23, Ally called me to inform me a new debit card they tried to send me was returned to them because of a shipping problem. We fixed the shipping problem, and the agent stated she would deactivate the new card that was returned to them. She instead deactivated the debit card I currently had. This left me without any way to acess my bank account or any money that I had. 

I called Ally customer service. They stated they would send a new debit card within 4 business days. Since this was before memorial day weekend, this mean that Ally 's error would leave me without any money for around 7 days. When I brought up that this solution would leave me without any money for a week, Ally customer service did not seem to think this was their problem. 

I was given a reference number for this case XXXX. When I tried to get documents for this case, Ally customer service either said they did not see that reference number existed, or in one case simply ignored the request over and over.
Product: Credit reporting or other personal consumer reports

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
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 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
Product: Mortgage

This complaint is related to Case No. XXXX. My parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, & my deceased grandmother, XXXX XXXX XXXX, have had loans with Regions Bank & its related predecessors since XX/XX/XXXX. Every time they were near paying off a loan, they were told they had to " refinance. '' Regions refuses to give me any copies of loans before the recent line of credit in XX/XX/XXXX. As I discovered Region 's abuse of overdraft fees, I have found my efforts to find out how and why this installment loan was taken in XX/XX/XXXX have been thwarted by upper-management as Regions ' lawyers attempt to cover up what caused my parents ' current situation with the XXXX, Fla., branch, whose leaders responding continue their shrug of self-absolution as if they were not complicit and benefitting from this situation to make their branch 's monthly bottom-line goals. 

Most of my questions, including how to file a complaint within Regions Bank, were met with an " I do n't know '' or " I 'm not sure. '' My refusal to leave the bank until I filed the complaint resulted in the on-duty branch manager getting up from his desk and allowing me to sit at it and use bank property to type my complaint rather than typing it himself. This kind of laissez-faire approach reflects the lack of investment in my parents that this branch has shown for decades as it profited from the decline in my father 's creditworthiness. 

In the refinance of our property that occurred in XX/XX/XXXX, the bank was able to charge two times the market interest rate for those in my family with " good credit '' like my mother, whose credit was ruined by recent issues with the mortgage that have been resolved, and me. Our scores in XX/XX/XXXX would have earned us a much lower rate. 

My family is among XXXX who have suffered from these kinds of discriminatory, illegal practices that violate the Consumer Finance Protection Act of XX/XX/XXXX, the related Dodd-Frank Act, the Equal Credit Opportunity Act, the Homeownership and Equity Protection Act, and the Truth in Lending Act. 

Thanks in advance for your assistance in getting Regions to be forthright about the circumstances of the XX/XX/XXXX loan and others over the past four decades. 

Respectfully submitted, XXXX XXXX XXXX llamarwilson.com XXXX ( cell )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Student loan

XXXX XXXX XXXX erased an incorrect debt amount from my credit report on 2017. I thought that the problem has been solved by that time, but today I discover that after that, they sold the loan to the XXXX XXXX XXXX XXXX and then that institution transfer the deleted account to the XXXX XXXX XXXX XXXX. For that situation I have been denied from receiving federal aid in order to start my XXXX degree. Why after 11 years and a deleting process of wrong information they are trying to charge me under the name of a new collection agency. Its sound that something fraudulent. The new agency said that the debt is in my credit report but its not. I called XXXX and check online XXXX and XXXX and I dont have nothing on my credit report. Why they are doing this?
Product: Money transfer, virtual currency, or money service

Money was sent to an unauthorized person from my CashApp account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic persona information. 
( Type of Business Date of inquiry Credit Bureau ) XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion is a financial institution by definition under that title.

1681 section 604 ( a ) 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 financial institution and the consumer Transunion do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent Transunion whether it be non-verbal, verbal, written, implied or otherwise revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that nondisclosed option. They never informed me of my rights to exercise that nondisclosures option.

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 1681 ( b ) of this title. Transunion are 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 opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion are consumer reporting agencies and I am the consumer. 

Along with fair and accurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Credit Report Errors To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, as provided by Experian. I am concerned that Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not properly investigating consumer disputes, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for alleged failures in handling consumer disputes. 

The CFPB stated that Experian conducted " sham investigations '' instead of properly reviewing disputes, which led to incorrect information being included in consumer credit reports. This behavior is unacceptable, and I am compelled to take immediate action to ensure the accuracy of my credit report. 

Specifically, the following errors have been identified in my report : 1. Multiple inaccurate late payments 2. Every Collection Account 3. Multiple inaccurate Names and addresses I request that Experian take the following actions : 1. Conduct a thorough and lawful investigation of these disputes as required by federal law. 


2. Correct or remove the disputed information from my credit report if it is found to be inaccurate. 


3. Provide me with a written statement detailing the actions taken in response to this dispute. 



To assist in your investigation, I have enclosed copies of relevant documents supporting my claims, including [ list attached documents, e.g., account statements, letters from creditors, etc. ]. 

Failure to comply with these requests will leave me with no choice but to escalate the matter further, including filing a complaint with the CFPB and seeking legal remedies. 

I expect an acknowledgment of this dispute within five business days and a resolution within 30 days, as mandated by the FCRA. 

Thank you for your immediate attention to this matter.
Product: Mortgage

In 2018 I experienced XXXX issues and went on forbearance. LOANCARE is showing negative on my credit report and not showing it was covered in forbearance. I am currently up to date and I want the negative reporting removed from my credit. I am also XXXX and have hardship as well.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and the law of 15 usc 1692 cc was broken