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

I asked all companies to delete account immediately. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' 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 1681b of this title. XXXX and XXXX 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.
Product: Checking or savings account

I contacted US Bank business checking XX/XX/2023 since I didn't receive the {$500.00} opening bonus, they gave me a reference number : XXXX. They returned my call on XX/XX/2023 saying I won't receive the bonus since the money isn't new to US Bank, but transferred from my existing US bank account. However, their offer opening page doesn't say it has to be new money, can't be existing money. I have the screenshot of that.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$8600.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ XXXXXX/XX/XXXX [ {$0.00} ] Transunion : [ XXXXXX/XX/XXXX] [ {$9700.00} ] In accordance with The Fair Credit Reporting Act, PXX/XX/XXXX XXXX VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Several inaccuracies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XX/XX/XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On Tuesday XX/XX/2024 approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident. This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered. 



I was contacted by the bank and they said they were not giving me my money because the ATM was malfunctioning. They refused to pay me and made me wait a week.
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened in my name with XXXX XXXX in XX/XX/XXXX ending in XXXX. The current balance is {$250.00} I have disputed this Fraudulent account with XXXX XXXX and was informed by there fraud department that the account that was disputed was being removed from my credit profile. When I called as to inquire why the account was still on my Transunion Report I was told that the account that was being investigated can not be proven that I did not open. I have included for your review the information on the account from Transunion and the Report Created On : XX/XX/XXXX File Identification Number : XXXX It States and I quote INVESTIGATION RESULTS- INFORMATION DELETED : The disputed item ( XXXX ) was removed from your credit report. 
In response to your dispute, this item was DELETED from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX/XXXX  XXXX {$4900.00}
Product: Checking or savings account

Banner Bank changed the Connected Checking Account, no minimum balance fee that I opened on XXXX without my knowledge and charged me {$4.00} on XXXX, XXXX, XXXX, XXXX, XXXX and XXXX for a total of {$24.00} Banner Bank changed my phone number and email address sometime after XXXX so that I was unable to access my account online to view statements or notices.I was finally able to go into the Banner Bank at XXXX to get my online access restored so that I could access my statements on XXXXThe account was opened expressly because Banner Bank advertised free checking with no minimum balance fees but started charging minimum balance fee of {$4.00} starting XX/XX/XXXX. There was no notice informing me of this change on any of the statements that I was able to access on XXXX.I would like the {$24.00} for the minimum balance fees refunded and for Banner Bank to honor the original agreement for no minimum balance fees.I am including the statements from the opening of the account XXXX through the XXXX statement showing no minimum balance fee before XXXXI am also including the flyer from Banner Bank as of XXXX showing that there is no minimum ongoing balance required and no *************** Charge. 

There is no evidence that the supposed letter was sent in my online account once I gained access after a Banner Bank representative blocked my online access by changing my email address by 1 letter and changing my number by 1 number, which made the authentication codes needed to logon go to someone else.

My attempts to resolve this prior to this between XXXX to XXXX were unsuccessful. I have complied with the requirement that I was aware of to not allow the account to be inactive for 12 months as seen by my record of deposits. 
I do not have any certified mail to verify that a notice was mailed by Banner Bank. 
I maintain that I did not receive any notice verbally when making the deposits in person or via US Postal Mail. 

As of XXXX the {$24.00} in fees have not been returned to my account. 


Sincerely, This is the response received from Banner Bank via XXXX on XXXX ; Business response XX/XX/XXXX Thank you for bringing this complaint to Banner Bank 's attention. The Bank takes all complaints seriously. On XX/XX/XXXX, Banner Bank made changes to personal checking and savings accounts, the required 45-day account change notification along with new terms and conditions were mailed to all Banner Bank clients prior to the changes going into effect. The complaint has been forwarded to management for further review, no additional comments will be made due to privacy laws and regulations.
Product: Debt collection

I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to   XXXX   XXXX   have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Mortgage

I was offered a forebearance because I was impacted by hurricane Irma and was advised that I had to pay the payments at the end. With me being a new homeowner, I had no idea that this meant at the end of the 90 days. I thought it would be added on the backend of the loan. Since I didnt have 3 months of payments to pay at one time, I was forced into a remodification which I received paperwork that I had to sign and return showing a modified amount for XXXX and I did everything that I was advised to do and next thing I know, the payment skyrocket to XXXX. They moved a payment to escrow after I was advised to pay XXXX in XXXX. Now they are saying Im 2 months behind and are reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

Back earlier this year, I went back and forth with kohls as my account was not right and they added late fees when they were not exposed to have been there. In XXXX, I called again and they said everything was fine and not to worry. I called again in XXXX after receiving a statement for a late fee. Why do I have a late fee when I do not even have a balance on my card? So I contacted customer service again and the guy told me I had a XXXX balance. Then I asked why I had a charge for a late fee and he could not give me an answer. So I asked for him to close my card knowing that it had to have a XXXX dollar balance in order for it to be closed. He was successfully able to close my card with no issues. He told me there was no balance and I had no credit card, great because I was done with this circus. At this point, I was hoping my issues with them were solved on this ghost late fee charge on a XXXX dollar balance. Fast forward a few months and I checked my credit score and they have filed it against me but this charge was not there back in XXXX when my account was closed. I closed this credit card so I did not have to deal with this issue any further. I have talked to kohls and they refused to help. I filed a dispute on the three major credit score sites and noone is willing to fix this issue.
Product: Credit card or prepaid card

I received two credit hard inquiries on my credit report on XX/XX/2021. One was from KOHLS/CAPONE and the other from XXXX within 1 minute of each other. I have not applied for a credit card with either of these stores and I feel I am a victim of identity fraud. I contacted XXXX to investigate and have the inquiries taken off my credit report. A rep at XXXX told me to file a fraud report with the FTC/CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Requested 1099C for from charged off accounts. Due to it being reported it indicates company received a tax break. But I have yet to received 1099c form after reaching out - XXXX XXXX - XXXX. XXXX has still added charges even after charged off. 
Information is not accurate. 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reviewing my credit report on Equifax, I became aware of fraudulent information and account on my report. I would like to have this fraudulent information removed because it is hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) ( XXXX ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' TransUnion, Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 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. '' XXXXXXXX XXXX XXXX XXXXXXXX the financial institution and the consumer reporting agencies TransUnion, Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, Equifax, Experian and XXXX XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states " 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 1681b 0f this title. '' TransUnion, Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that showed up in XX/XX/year> from MULTIPLE lending companies. I did not authorize my credit information to be used by these companies. The companies with inquiries on my report are as follows : XXXX XXXX Via Dealer 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a hard inquiry report on my XXXX on XX/XX/2017 from Clarity services Inc. This was unauthorized by me. The company illegally obtained my credit report without my authorization. I do n't even know what this company is or does. I do n't know how they were able to obtain social security number.
Product: Mortgage

Lakeview Loan Servicing is again incorrectly inflating the amount of property taxes we owe. On XX/XX/XXXX I contacted XXXX and spoke with a woman named XXXX who asserted that they had received an official notice from XXXX XXXX stating that the amount of property taxes for XXXX was going to be due in the amount of {$4400.00}. However, I spoke with the XXXX XXXX tax office on XX/XX/XXXX and was informed that those notices have not even been generated yet and likely will not be until mid XXXX. I also checked the XXXX XXXX tax website and entered my parcel number to confirm this. This information has not been released yet but the amount due should not be far off from what was paid last year, which was a little over {$2500.00}. This means that XXXX is inflating my tax bill by over 56 % and as a result, they have increased my mortgage payment by over {$220.00}. What they are doing is fraudulent.