23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 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 payment on a credit card account under an + open end consumer credit plan as late for dis purpose.

46.7K
Product: Debt collection

Synchrony Bank keeps calling everyday XXXX times everyday for the last few months. I have a debit management company who has contacted this bank and they agreed to settle the debit and Im going to start making payments on XX/XX/23 but they will not stop calling and leaving voicemails. They are harassing me.
Product: Mortgage

I received a notice from Wells Fargo on XXXX that my insurance had been cancelled. I was shocked and asked them when and replied XX/XX/XXXX! I paid a full year insurance at closing on XXXX, XXXX. I was informed a year later by Wells Fargo that I did not have insurance that whole time! As soon as I found out I called the insurance company and they covered me as of midnight on XX/XX/XXXX, ( the day i found out ). They now retroactively added {$4500.00} to my mortgage for insurance back dating it to XXXX of XXXX!, No one pays that much for insurance! My loan is for {$180000.00}. I paid my money through the title company to XXXX XXXX XXXX XXXX and they were not aware either. This is after the fact and now my mortgage is more than what I originally borrowed! It can not be legal for them to go back and add inflated premiums to my loan when I paid in good faith at closing .My insurance is @ XXXX a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email with a application for a XXXXXXXX credit card with no impact on my credit score. My credit score at the time was XXXX with XXXX and XXXX before I applied for the card. I submitted the application for the card between XX/XX/XXXX and XXXX 2021 and received a notice of a drop in my credit score from XXXX XXXX. I logged on to XXXX XXXX and saw a hard inquiry from XXXX XXXX/XXXX. I contacted Experian 3 times and was told that there was not a drop in my score while I was looking at the XXXX and XXXX graph wit the same info on both, 5 point drop. Then a Experian agent said the email specifically said the application would not affect my Experian score. I have the email and it reads that it will not have any impact to my credit score. Nothing on that email singling out experian. I have the email. Experian refuses to fix the problem that they created. XXXX told me to contact XXXX XXXX XXXX  ask for a letter of deletion but the bank will not respond to my voicemails.By XXXX XXXX XXXX, the only info I have, I think it is XXXX XXXX. The only financial action that occurred was the XXXXXXXX XXXX application and that is how I know where the drop came from.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$0.00} ( XXXX & XXXX ) Bankruptcy XXXX  XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I asked them why did I owe XXXXXXXX XXXX to them and they said they would have to charge me a XXXX so they can pull my credit report and then when we find out it was my son who they were looking for they were trying to get me out of XXXXXXXX XXXX because they threatened it would stay on my credit report for XXXX years even if it was removed it would be under derogatory so after I was hesitant they said we can do it for a XXXX time payment of XXXXXXXX XXXX. I know they have probably gotten a few people with this tactic before I just want to put this on notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : TRANSUNION DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/96
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution, requirements under the Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

The information is inaccurate and incorrect as it misleads consumers to believe that an account was created this year when it was not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit reporting agency and never got a response, However by law you're required to response within 30 days. Please investigate my disputes
Product: Debt collection

I get a call from XXXX XXXX XXXX and the agent has a really thick XXXX accent and he was calling about two account. Account # 's XXXX and XXXX. He stated that I needed to pay these accounts in full or there will be no other advantages given if I did n't and the next option would to be to have my wages garnished and that the option was up to me. The guy was very rude and unprofessional. This is n't my first time dealing with Midland as they have a affiliate XXXX XXXX and I have went to court back in 2016 and fought them and won. I proved the last time to the judge about them harassing me and threatening me.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past their 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .Promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You
Product: Checking or savings account

I sent a zelle for XXXX and the person did not provide the service i contacted my bank which is chase i provided them with all the information I had the name of the person the phone number and everything that i had whom told me its just my lost. On another occasion recently i sent XXXX dollars and the same thing happened
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I have been banking with Wells Fargo Bank for a long time. I have XXXX by Wells Fargo checking account. My balance in the checking account have been above {$5000.00} constantly. My understanding is that daily balance {$5000.00} or above earns 0.05 % interest rate and below earns 0.01 %. It had been like that for a while ( more than a couple years ). All of a sudden, in XX/XX/XXXX the interest rate I earned changed ( to 0.03 % ) and in XX/XX/XXXX it went down to 0.01 %. I wonder that the bank might have changed its interest rates. I searched online and called Wells Fargo. The lady I talked to showed me where online I can find the information. I found that the rates for the XXXX by Wells Fargo checking stay same as before - 0.05 % for {$5000.00} or above balances. My question is why the bank only credited me 0.01 % even though my daily balances have been above {$5000.00}. I asked whether the bank changed the interest rates only in the months of XXXX and XX/XX/XXXX and changed them back as of today ( XX/XX/XXXX ). The lady I talked to could not confirm and kept saying the bank has the right to change interest rates as the rates are variable. I suspect that the bank makes a mistake and requested the bank make a further research. She refused and hanged up.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$51000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.
Product: Checking or savings account

Okay I Opened an Citi Bank Account and I Attempted to fund the Account with a Check but Was Told I Had to Wait 30 days Ok so after 30 Days I attempted to Cash a Check 60 minutes after I Cashed it They Closed my Account and then they aint even send me a notice of closure
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are fraudulent and needs to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I Never opened this account. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$500.00} discover bank {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Response to CFPB Complaint Regarding XXXX XXXX  Disputes and Credit Reporting Dear Sir/Madam, I am writing in response to your letter regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning transaction disputes and credit reporting issues related to my XXXX XXXX account. 

I appreciate your investigation into this matter. However, I respectfully disagree with your findings and would like to clarify the following : 1. Credit Reporting Dispute : While I understand the Banks obligation to report accurate information to credit bureaus, I did not receive any payment reminders, missed payment notifications, or credit bureau reporting alerts as stated in your response. Had I been properly notified, I would have taken immediate action to prevent negative reporting. I request a further review of my case to determine if any adjustments can be made to my credit reporting. 
2. Transaction Disputes : I appreciate the Bank reopening my disputes and providing temporary credits. However, I strongly disagree with the resolution in favor of the merchants. I maintain that these transactions were unauthorized, and I request a detailed explanation of the investigative process used to determine their legitimacy. 
3. Ongoing Issue and Feeling of Violation : This matter has been ongoing for nearly two years, and I feel violated by both the Bank and the three major credit bureaus. While I am not disputing the legitimacy of the account itself, I am disputing the unauthorized, fraudulent transactions and the outstanding balance that resulted from them. The continued negative reporting has severely impacted my credit standing and financial well-being, despite my repeated attempts to resolve this issue. 
4. Debt Responsibility and Settlement Offer : As I strongly believe I am not responsible for this debt, I am willing to settle this matter once and for all by offering to pay 50 % of the outstanding balance as a settlement. In return, I request that the Bank agrees in writing to update my credit report from negative to positive. I believe this resolution is a fair and reasonable compromise that benefits both parties. 

Given the ongoing concerns regarding unauthorized transactions and the negative impact on my credit report, I kindly ask for reconsideration of my case. Additionally, I request direct contact with a senior representative to discuss potential resolutions. 

Please confirm receipt of this letter and provide a written response detailing the next steps. I look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Deletion of Reinserted Collection Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear XXXX, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ).

As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I want to complaint on Lakeview loan servicing. To start with, I have refinanced with XXXX XXXX but before my first payment they sold it to Lakeview Loan servicing. I made my first payment on time to Lakeview and checked my bank account if it has gone through. After one month I made another payment on time. I just wanted to check if everything is fine, so when I checked the account after 6 days it showed delinquent. I contacted them immediately and they said I am due. It dint made any sense since I made the payment already. So representative said that they will investigate but I am still due. So I made another payment. I contacted multiple ( up to 8 ) times there after in the span of 45 days and I got different answers from them. First they said I need to make another payment to avoid delinquency and later they said I wont be delinquent until first 60 days. But no matter I made my payment on time and another to avoid delinquency till they investigate. Late a supervisor said that by mistake my previous mortgage ( XXXX ) sent an extra payment, so they sent the money back, but I still made my first payment and they have investigate. Later another day another representative said I was due to XXXX XXXX so they sent that first payment to them and I was still due the first month. Later today after 45 days I talked to another supervisor and she agreed that first payment always goes to previous company and my extra payments will be corrected and my due date will be forwarded to next payment. All I got after all this struggle is sorry after going in round because of them and one time they asked me yo contact my previous company and I talked to them for hours learning they cant help me because they already sold it to the new company. I was so much in stress because they said I was delinquent after making my payments on time. I couldn't do other things I planned to just because I have solve this delinquency or mistake and I have to make extra payments because of their mistakes. But they cant compensate me in any ways after all this struggle. They don't have a clue what they are doing and incompetent to run mortgage company. The stress I went through these days can not be said in words.Sorry is the best they can do. I also want to complaint on the supervisor with ID XXXX who boasted about being the highest degree in the supervisors in that building and she can't do anything but will fix the mistake in 3 business days after my 45 days of struggle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT DOES NOT BELONG TO ME THEY HAVE NOT FORWARDED ANY INFO OR PROOF THAT THIS ACCOUNT IS MY ACCOUNT THIS IS HOLDING ME UP FROM MOVING FORWARD WITH MY LIFE
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 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 late for any purpose.