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

It is showing a address that I am not associated with on my credit reports. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never been associated with this address. I would like it deleted from my credit reports as soon as possible. 

Section 611 : Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) This section allows you to dispute any inaccurate, incomplete, or unverifiable information on your credit report. When you file a dispute, the credit bureaus are legally required to investigate the disputed information, usually within 30 days, and correct any inaccuracies. 
If the information provider ( e.g., a lender or creditor ) can not verify the accuracy of the disputed information, the credit bureau must remove or correct it.
Product: Credit reporting or other personal consumer reports

XX/XX/26 XXXX and Experian reported I had two hard inquiries, these on both reporting agencies, I put a fraud alert and freeze, I disputed that the inquiries were not done on my behalf and that XXXX still left them on there, the XXXX inquiries were done to XXXX XXXX and XXXX XXXX XXXX and the Experian inquiries were XXXX XXXX and XXXX XXXX XXXX, again only the disputes on XX/XX/26, Experian has a open dispute but XXXX didnt take more than a couple hours and did not remove these, I have the right to a accurate report and these card companies and these credit reporting agencies have a responsibility to make it right.
Product: Checking or savings account

Truist has let outside lenders charge my account when I have no money in my account. And they are steady charging me over drafts fees of {$36.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It's an old car loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX and Equifax to remove all fraud alerts from my profile.
Product: Credit reporting or other personal consumer reports

I was late on a payment during 2020 due to no work because of XXXX payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to XXXX hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within XXXX  days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Against XXXX Regarding Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B regarding permissible purposes of consumer reports. 

According to the law, consumer reporting agencies may only furnish a consumer report under specific circumstances, including the written instructions of the consumer. It is my contention that XXXX has not adhered to these stipulations in their reporting practices. 

Furthermore, the FCRA, as stated in 15 USC 1681 ( 2 ) ( a ) ( I ), outlines exclusions from a consumer credit report. It explicitly mentions that a consumer report does not include information solely related to transactions or experiences between the consumer and the reporting agency. My utilization of credit has been misrepresented in a manner that does not comply with these regulations. Utilization is an Experience To resolve this issue, I request that XXXX either remove the High utilization from my report and update it to 5 % or below, or remove the utilization data from my credit report altogether. This adjustment is necessary to ensure accurate reporting and compliance with the FCRA. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

Bank of America allow someone or more likely the entity itself opened an account under my name and then proceeded to charge fees to an account that never had any transactions. I called and started a fraud claim where I have to give social security number, id, proof of residency, social security statement and many other items to have the account closed while in the mean time they allow the account to keep being hit with fees. they also did not require the extensive amount of information to open the account but do to now have it closed. It also goes against their internal policy which states accounts that are opened with no transaction in the first 30 days are automatically closed. When I spoke to them they continue to use their internal policies to defend not closing the account, however are not following their own policy by just closing the account from no activity for more than 30 days. I would suspect that i am not the only one who has had accounts opened under their name
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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

Acct # Colony through door open XX/XX/2018 balance {$1500.00} Address XXXX XXXX XXXX XXXX WI XXXX XXXX Tel # XXXX XXXX XXXX. I have talk and wrote letters to all parties involved including the other XXXX XXXX in XXXX Georgia but to no avail i have been help. This has created great harm to my Credit and health and Marriage. I am asking for this account to please be review carefully and look at the facts, This account belongs to Ms XXXX XXXX in XXXX Georgia there is a mix up believe to be only because only our matching names This XXXX XXXX lives in an entire different area in Georgia and has a different social security number and her date of birth is different and we are to different race i am XXXX XXXX born in XXXX XXXX and she is XXXX XXXX born in XXXX I am asking to please investigate this account and reach out to the other XXXX XXXX in XXXX GA and get her information and see the difference in everything but our names 4 years and this has been a night mare no one has helped me. I am begging to please make my case a top priority and review my case i am trying to by my house with my husband and can not because of this. my cell XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX Ga XXXX. Thanks!
Product: Debt collection

I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed
Product: Mortgage

On   XXXX   XXXX   XXXX   I obtained a HELOC from Wachovia Bank for {$160000.00} for my home at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  - Loan Number :  XXXX . The loan officer was  XXXX   XXXX , and they did not require any proof of employment docs, only the deed to the property. They filed a lien on the property.   I became   XXXX   in   XXXX   XXXX   and was unable to find work for  XXXX  months, and was carrying {$2.00}  XXXX  in debt. After exhausting all resources, including  XXXX , stock, and savings I filed a Chapter  XXXX  bankruptcy in  XXXX . The HELOC and all other debt was discharged. I was able to bring the smaller  XXXX  mortgage current and keep the home.  Wells Fargo Bank (  successor ) has refused to remove the lien, even though they have received the Bankruptcy discharge documents, and their own records show the debt is gone. I have spent over   XXXX   years writing and trying to find someone to assist. In writing, I just get a form letter and on the phone they say they can not discuss this due to the bankruptcy discharge. Wells did however use my information to open  XXXX   Wells Fargo  bank accounts in  XXXX , AZ ( I live in FL ). The  Wells Fargo  employee was  XXXX   XXXX . I closed the accounts as soon as I learned about them.   I am  XXXX  and getting ready to go on   XXXX   XXXX  , and move to a less expensive area out of state. I can not sell my house with this lien on it, and  Wells Fargo  does n't respond for requests to remove it.   Attached is the a copy o f Wells Information  copied from my  XXXX  credit report and my Bankruptcy discharge from the court.  Wells Fargo  will not provide any documents to me, saying that the debt was discharged.   Please let me know what I can do to get the lien removed.    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous disputes through Experian regarding the incorrect reporting by XXXX XXXX XXXX. Experian is aware that my identity was stolen, due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Experian, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Experian during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XXXX/XXXX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX Collection Agency, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XXXX/XXXX/2019. In less than a month, on XXXX/XXXX/2019XXXX XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Experian to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX   XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XXXX/XXXX/2019 and sold the account. I would like for Experian to remove XXXXXXXX XXXX XXXX from my credit report.
Product: Credit card or prepaid card

I paid my credit card bill, sent it certified in fact and it was signed for by Capital One. The issued a lte fee for non payment even though I provided proof, in fact provided proof like 10 times. They refuse to reverse their illegal charges despite the reality.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion via XXXXcertified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). My letter contained a request to investigate negative items on my credit report that are reporting with discrepancies and inaccurate information, including a bankruptcy that lacks essential details, and incorrect personal information. To ensure that my identity could be verified, I included the necessary documents, such as a copy of my government-issued ID, Social Security card , and proof of address, in compliance with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite giving TransUnion the legally required time frame to respond to my request, I did not receive any response. This disregard for my dispute violates my consumer rights under the FCRA, which mandates that credit bureaus must conduct a reasonable investigation and provide a response when consumers dispute the completeness or accuracy of items on their credit reports. 
As my request has been ignored, I feel my rights as a consumer have been violated, and my efforts to rectify the inaccuracies on my credit report have been disregarded. Under the FCRA, credit bureaus are required to conduct investigations when consumers dispute negative items and ensure that all information is 100 % accurate.
Product: Credit card or prepaid card

Today I received 8 phone calls about a late payment. My payment was 7 days late. I made the payment on Monday, however, I was {$9.00} short ( I thought my payment was {$30.00} ) and I guess this caused them to call me 8 times without messages left, on 2 of the calls I picked up I was hung up on and the last call I explained I made the payment Monday. It was never said my payment was incorrect. When I checked my account it said I still owed {$9.00}, which I paid immediately. There is no reason for this many calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX # XXXX - IDENTITY THEFT. PLEASE DELETE! 


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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I purchased florals from someone that later told me her XXXX was frozen. But i already sent the money there. She wasnt able to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Checking or savings account

On XX/XX/year>, I opened a High Yields Savings Account with Marcus by Goldman Sachs due to the attractive 3.90 % APY rate they were offering and wished to use this as place to hold my emergency funds. 

On XX/XX/year>, I deposited {$18000.00} to this account from my chequing account. 

On XX/XX/year>, I initiated a transfer of {$6000.00} to a cash management account. Later that day, I received a voicemail from a representative of Marcus by Goldman Sachs to call them back. After work, I returned the phone call and spoke to a representative who validated my identity by asking for my first and last name, the last four digits of my SSN and then by asking for my 'secret code '. Having answered all correctly, I was then put on hold and transferred to another agent. That agent then mentioned needing to verify my identity again by asking me 'questions in the public domain that may or may not correspond to me '. I found this very unusual from a financial institution, but agreed. However, he informed me that his system was not working and he will place my account on review and I will receive a call from another representative within a day or two. 

On XX/XX/year>, I did not receive a call from a representative so I logged into my account on the Marcus by Goldman Sachs website and noticed that the transfer was reversed and the balance was back to {$18000.00} ( {$15.00} interest earned ). I thought the issue might have been that I transferred to a brokerage so I decided to transfer the money back to the chequing account I initially used to deposit the money from. When I initiated that transfer I received the following message 'Were sorry. Give us a call toll-free at XXXX to make this transfer. ' I called the phone number and spoke to an agent, who once again verified my identity by asking for my first and last name, my birth date, the last 4 digits of my SSN, sent me a one time passcode on my mobile phone and then asked me for my 'secret ' code. I verified my identity by answering all these questions. Then I was put on hold and transferred to another agent, who put me on hold again. Once he returned he told me I needed to validate my identity by filling up a 'affidavit of identity ' that will be sent to me via mail and that will need to be notarized and returned by mail. I was shocked by this, and told the agent that I have never heard of such a request from a financial institution before. The agent told me there's nothing odd about this request it's part of their processes to verify someone's identity. I've banked with other institutions for over 15 years now, and have never been requested to do something this extensive before. Now fearing that the money I considered to be my emergency funds will be locked away for months, I am reaching out to the CFPB for support for getting my money back.
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 consent. 

15 USC 1666B : A creditor may not treat a payment on a credit cards account under an open end consumer credit plan as late for any purpose.