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

I contacted Experian about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description of the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX
Product: Mortgage

THE MORTGAGE COMPANY ( FAY SERVICING ) IS NOT DISTRIBUTING THE SETTLEMENT CHECK. EVEN MORE THEY LAUGH ABOUT JUST BECAUSE YOU ( CFPB ) CLOSED THE PREVOUS COMPLAINT. WHY YOU GUYS LET THEM TO TAKE OVER? DO YOUR JOB PLEASE. HAVE THEM TO DISTRIBUTE THE WHOLE CHECK. PLEASE THANK YOU. ALSO THE DID NOT PROVIDE A DIRECT CONTACT.
Product: Checking or savings account

I opened a checking account with Wells Fargo in XX/XX/XXXX in XXXX CA. My account was great standing until I became sick with XXXX in XX/XX/XXXX and hospitalized. In XX/XX/XXXX, due to being hospitalized, my account began incurring overdraft fees. Wells Fargo closed the account in XX/XX/XXXX. The overdrafts were a result of auto payments setup with utilities ; I was unable to stop these payments as I was hospitalized. I wasnt able to do anything while sick with XXXX. 

I recently returned to work after recovering from XXXX for over a year and need an account to direct deposit my paycheck to. On XX/XX/XXXX I met with a banker XXXX XXXX who refused to help me resolve this. Against his desire to do so he called the department handling my account and spoke with XXXX who advised both him and me a branch manager could waive the incurred overdrafts & fax confirmation of same to him at which point he would make payment arrangements to payoff any balance. Unfortunately the branch manager XXXX refused to talk to me about this matter, telling XXXX she would call me the following Monday. 

She never called. I subsequently learned she claims she tried calling me on XX/XX/XXXX but my cell phone rang busy and she was unable to leave a message. This is a lie. Cell phones dont ring busy. My cell phone records do not show any incoming calls for XX/XX/XXXX. XXXX has falsified notes on my account. 

I went to another branch to try to resolve this and spoke with XXXX. That branch manager refused to speak with me too, refusing my request to waive the overdrafts because my account was charged 9 times and wasnt in good standing as I claimed. 

She ignored the fact those fees were charged when I was sick with XXXX  and its those fees I wanted waived due to the circumstances and leading up them being charged my account was stellar. 

XXXX said my only option was for her to submit an online complaint to their executive office for handling. This was done XX/XX/XXXX. To date I havent heard from Wells Fargo. 

To reiterate I am wanting to pay Wells Fargo what I owe them, for them to waive {$170.00} of the overdraft fees charged, and reopen my checking account. 

( {$170.00} does not represent the 9 overdrafts charged, only a portion. Im willing to compromise those fees however Id prefer they all be waived. I explained this to Wells Fargo previously and they refused to help me. ). This was explained to XXXX, XXXX and 2 branch managers PLUS to XXXX by phone. Everyone points fingers to each other claiming they cant help. XXXX said the managers can waive the fees ; the managers say they cant and wont waive the fees.
Product: Credit card or prepaid card

I made a payment before the due date and I know for a fact there was funds in the account and capital one returned said payment the day before my due date after processing it for a week, however they did not reach out to me or call me to let me know there was an issue with the payment and the they charged me a late fee for an account with restricted access without even telling me they returned a payment. When I called I asked them why they returned the payment they couldnt give me a valid answer. I told them Id payoff the balance but I wasnt paying the late fee they charged me and they wont refund it to the capital one account so Ive paid off my XXXX balance but theres still a {$32.00} balance in there because of the fees they charged me that I shouldnt have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Credit card

Refer to my previous complaint XXXX. I sent an entire package to Synchrony Bank, XX/XX/year>, showing all the purchases they are still charging me for, even though the information in my packet clearly shows all merchandise they are still charging me for was returned by me to ShopHq, the on-line website that Synchrony Bank issues the store card. I received numerous ambiguous letters emailed to me from Synchrony Bank which really didn't state anything factual about any of the specific items in question that I purchased. I received another batch of similar letters, none of which referred to any of the specific items they are inferring I still have, showing refunds, for example, for {$2.00} for fees, and other refunds for similar nickel and dime amounts. These were the most non-sensical, meaningless letters that said nothing about the charges in question. Their final letter showed a refund for {$780.00} that does not represent the amount of any item in question and they did not indicate what it was for. They are still charging me interest for all of this stuff. For example, I purchased an item for {$140.00}, which they never sent to me, and they are charging me {$1000.00} for that purchase. That is just one example of the outrageous shenanigans they are getting away with.
Product: Checking or savings account

We opened an account at regions early XX/XX/2021 they had a promotion of XXXX $ for new accounts with direct deposit, my wife requested with her job the next week, fast forward I went into branch they said we should have had the direct deposit within 30 days we missed it by a week I called to talk to a supervisor XXXX no luck, said they are sticklers, I just think it is a bait and switch they got us to open the account and oh sorry you missed the direct deposit by a week or two, it couldve been on there side or theres this COVID thing where everything is slowed down I think they should honor there promot
Product: Credit reporting or other personal consumer reports

All Financial Institutions/Consumer reporting agencies involved and identified in this complaint including, XXXX, TRANSUNION, and XXXX are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Additionally, XXXX, TRANSUNION, XXXX, and all other identified financial institutions/agencies are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT, for violating my privacy and disclosing my nonpublic personal private customer information to other persons. And XXXX, TRANSUNION, XXXX, and other persons identified are guilty of criminal and civil penalties for violations of Aggravated Identity Theft for knowingly possessing my nonpublic personal identification in a felony violation.

Unless I give prior written or verbal permission please stop disclosing, sharing, transferring, possessing, and/or violating my nonpublic personal records and privacy.

SEE ALL ATTACHMENTS
Product: Debt collection

Portfolio Recovery has refused to delete a judgement for an account that does not belong to me. I have written to them and the original creditor, and proven that the account was not opened by me, but they have cntinued to report this to the credit bureaus and this has caused me great harm.
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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

During 9 months since XX/XX/XXXX, XXXX has been acting as a racketeer, demanding me to pay {$79.00} for alleged usage of telephone number XXXX, which I never ordered/bought and never used. It is important to note that since XX/XX/XXXX, dialing this number has always ended in the statement the number isnt valid. This means that XXXX created behind my back false account number XXXX XXXX and demands me to pay {$79.00}. During last 9 months XXXX has been sending me harassing letters and making harassing telephone calls from the numbers : XXXX and XXXX demanding me to pay for the service which XXXX did not provide me. 
In XX/XX/XXXX XXXX used third party Radius Global Solutions LLC which sent me a letter dated XX/XX/XXXX with threats to damage of my ideal credit history and demands to pay it {$79.00}. Its address : XXXX XXXX XXXX, # XXXX, XXXX, MN XXXX, XXXX. 
According to XXXX, on XX/XX/XXXX, Minnesotas Attorney General, XXXX XXXX, filed a Summons and Complaint with the Tenth Judicial District. Charges were filed against XXXX  for using complex and deceptive pricing practices under Minnesota Statutes ( the Uniform Deceptive Trade Practices Act and the Consumer Fraud Act. ) On XX/XX/XXXX, XXXX entered into a consent agreement with the Colorado Attorney General to settle a complaint filed in XXXX District Court pursuant to the Colorado Consumer Protection Act. The consent agreement stipulates that XXXX pay {$6.00} XXXX to the State of Colorado and another {$1.00} XXXX to current and former customers. 
It is important to emphasize that XXXX continues abusing consumers. 
XXXX must stop demanding me to pay {$79.00} ; stop using Radius Global Solutions LLC or any other third party for unlawful extorsion and damage of my credit history ; XXXX must send me a letter that it doesnt have any monetary claims to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  AND TRANSUNION KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

On XX/XX/XXXX derogatory and past due comments were reported under my name to both the XXXX and XXXX credit bureaus stating that my account was past due by PHH Mortgage Services. The balance on the account reported was for {$410000.00} and the delinquent amount {$2500.00}. I do not have an account with PHH, so I tried to contact them ( by phone and email on XX/XX/XXXX ) to ask them what the comments were related to and if they could remove them errors that were reported. They responded back to me on XX/XX/XXXX confirming I do not have an account with them and they can't not discuss anything further due to privacy. I tried to follow up again with a call XX/XX/XXXX and was told the same thing and they can't do anything about it since I do not have an account with PHH Mortgage Services.
Product: Credit reporting or other personal consumer reports

nder FCRA 605B, it's necessary to expunge any erroneous accounts from my credit report. Could you please assess the documents? Some of the listed accounts are incorrect, which is unsettling for me.
Product: Credit reporting or other personal consumer reports

XX/XX/23 i sent transunion a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Product: Checking or savings account

I received a debit card in the mail for a newly opened checking account through Chase Bank. I called them on XX/XX/2022 and was transferred around with no assistance. I called back XX/XX/2022 and finally spoke with the correct fraud dept. The representative stated I would need to provide my SSN and DOB to start a fraud case. I advised that I wouldn't know which SSN and DOB they provided, but further that I would not provide this info if an account was opened fraudulently. I advised that they can start the case, close the account and send out mail and email. I would receive the mail since it is listed as my address and the identity thief would receive the email and would then have the ability to fight that with the local bank or online. They advised that I can go into the local bank to prove who I am and provide my SSN and DOB. I will NOT give them my SSN and DOB! They can have the thief go in and provide those documents!! Obviously, they did not assist me with this fraud. The last person that I spoke with at Chase was a supervisor, XXXX XXXX- she would not provide an agent or representative number.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Key Bridge Medical Revunue has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Key Bridge Medical Revenue but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Key Bridge Medical Revenue to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that Key Bridge Medical Revenue is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
Product: Debt collection

IC system has placed a collection back on my consumer report from XXXX that was removed two years ago due to identity theft. They are trying to collect on a debt that is not mine and that was removed from my consumer reports before. Not only did they not notify me that they were placing it on my reports but they did it. This dropped my credit score from a XXXX to low XXXX damaging my reputation. I do not have a contract with these people. Remove me from your data base and trying to collect on debt that is not mine.
Product: Vehicle loan or lease

I used RateGenius to refinance my auto loan in XX/XX/2021 and the loan was funded on XX/XX/2021. RateGenius Application # XXXX. 
However, they have not made the title transfer fees to XXXX  until XX/XX/2021. 

I found out there are unpaid fees from DMV and multiple lienholders on my vehicle because I was attempted to sell the vehicle in XX/XX/2021. I have tried to reach out RateGenius and XXXX XXXX. However, my concern was passing in between Customer Service and Title Department and the Department that I have no idea why I got transferred to. End up I got reached out because I posted my negative reviews. 
Then RateGenius trying to blame all the mistakes because of the DMV 's behind and COVID. 
It causes unnecessary expenses to maintain the loan. Such as interest, insurance, and multiple DMV visits. 

XXXX XXXX is been very helpful to address the issue but not RateGenius. 

I m not sure does these Online Agencies do manage by CFPB. 

**email history attached.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
Transunion 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX   XXXX 3.XX/XX/2019 XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XX/XX/XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX XXXX XXXX 1.XX/XX/2019 XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX 6.XX/XX/2019 XXXX  XXXX
Product: Debt collection

Yesterday XX/XX/XXXX a woman called my husband 's phone I answered as he was driving she gave her name did not say what company she was with did not give XXXX XXXX until I asked if she was going to she said this is owed being XXXX  XXXX XXXX she never verified my id by dob or ss # or my husband said she need my bank information for XXXX I declined to give info. She said we will take legal action if you do not give it to me I advised to call me on XX/XX/XXXX at XXXX. No call was received she violated fdpca rules times 3. I called in asked to speak to a supervisor was places on hold no one got on line I called at XXXX XX/XX/XXXX after find out they called my husband XXXX XXXX at XXXX  and threatened legal action again. XXXX the supervisor told me he revised tape and nothing was violated. I advised I will be make a report on the company and seeking council. Due to covod19 and off of work they should be more compassion towards debtors but they are not I want to file complaint against this company. Which they will not give there name. XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX