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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter with the accounts I fount error with about a month ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.
Product: Vehicle loan or lease

An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ).

15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as Transunion, Experian, and Equifax.

18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Product: Checking or savings account

I believe Wells Fargo has charged unreasonable and excessive fees over the last year. The total amount is nearly {$800.00} I have attached a list of the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off letters to dispute accounts with XXXX, XXXX and Transunion in January of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Product: Checking or savings account

I was charge an Overdraft Fee on XXXX/XXXX/XXXX for a {$50.00} transaction while my current balance on XXXX/XXXX/XXXX was {$89.00} prior to disbursement, leaving an ending balance of {$39.00} after payment. 
There was a " Processing '' transaction from XXXX/XXXX/XXXX in the amount of {$51.00} that was unauthorized and remained pending over approximately 5 days - never to be presented by Merchant for payment because it was unauthorized and Merchant agreed. 
I discussed this matter with the Bank The Bank told me when the charge is " reversed '' then they will refund the Fee. I told them that it will never be presented for payment and therefore you will not see a reversal so I should not have been charged unless the device is presented for payment, where or not the Bank elects to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Loan service provider XXXX has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to XXXX 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. XXXX is no longer a servicer of this account and therefore should delete this account from my credit profile. XXXX has failed to report updated account information in which my account appears to be delinquent.
Product: Credit reporting or other personal consumer reports

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Higher Balance of XXXX, Past Due to Never Late, and No Late Payments should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

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

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. XXXX Account Number : XXXX Please Submit onto the ACDV form and please Delete it under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Checking or savings account

When I was younger, back in college, I experienced a major setback when my bank account was compromised. Unfortunately, the situation spiraled, and I ended up unable to open another bank account. This has limited me significantly, especially now that Im running my XXXX XXXX. Not having a bank account means I cant apply for loans or access other financial services that could help my business grow. Its been a challenging hurdle to overcome, and Id love to find a way to open an account so I can finally access the resources that would make a difference for my shop.
Product: Credit reporting or other personal consumer reports

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Product: Credit reporting or other personal consumer reports

XXXX reported all XXXX of my student loans twice so now it looks like I owe double the amount bringing my credit scores down.
Product: Credit card

In XXXX of this year, I became involved in an employment scam with a company out of New York calledXX/XX/XXXX. As a result of this 'employment ', XX/XX/XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, Bank of America and XXXX ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to aXX/XX/XXXX store, where it was shipped to XXXX XXXX. After about a month of this type of activity, I told XX/XX/XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XX/XX/XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, XXXX, and Bank of America took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into bankruptcy. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Product: Checking or savings account

On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. 

COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX  ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. 

I submitted the complaint above verbally to a different customer representative at XXXX via phone call. 

LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$17000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my Transunion, XXXX, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Product: Checking or savings account

Bank of America is illegally withholding {$620.00} from me. I reported fraud and the purchases were flagged over 3-4 weeks ago. I called in to report these then and their site specifically states that they will issue a provisional credit after 3-4 weeks have passed, as their investigations take an unnecessarily long time. I am also on the XXXX XXXX  and therefore protected by the Americans with XXXX XXXX. Clearly, BofA is in flagrant violation of federal law and I intend on hiring an attorney. 

I recall about a decade ago, BofA issuing provisional credits immediately. Instead now, I have to waste 45+ minutes on the phone arguing with a customer service rep, because ultimately, BofA doesn't follow the law. I find that to be a disgusting system. 

As I file my complaint, I hope the CFPB gets involved because its concerning, given the recent collapse of XXXX XXXX Bank. It makes me suspect they don't have enough funds on reserve.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 card or prepaid card

I have had an account with Capital One for years. They solicited another offer which I accepted. I paid the balance in full as always and they placed a 30 day hold on my card saying it was for " internal processes ''. I asked if they could share in writing, they said they can not. I asked for the terms and conditions of my card, they refused to provide them saying I was them provided when I signed up. I show available credit of {$5.00} on a {$750.00} credit line. 

I asked who monitors credit card agencies, what federal agency. The agents supervisor told her she can not answer that question. 

Payment made XX/XX/XXXX {$710.00} Card available for use on XX/XX/XXXX per their hold which they refuse to share what the hold is for aside from vague " wait for payment to process answers ''. 

How is this helping my credit? Why can I as the card holder have no information on the hold placed on my card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : CAPITAL ONE XXXX CAPITAL ONE XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX XXXX ) and the person ( CAPITAL ONE ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a ( 2 ) ( A ) ( i ) by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s. 

CAPITAL ONE XXXX CAPITAL ONE XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit reporting Act 15 USC 1681 violations for willful noncompliance. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to Equifax, XXXX, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, XXXX and Transunion reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and Transition complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX
Product: Mortgage

This is a continuation of my Petition against XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX c/o Caliber Home Loans , Inc . 

Caliber Home Loans has harassed me since XX/XX/XXXX regarding the XXXX XXXX Mortgage which was disputed and closed. I have told Caliber Home Loans , Inc. that I never had a contract with them and that my XXXX XXXX was not transferred and/or assigned per regulations. In XX/XX/XXXX Federal Court found that all violated RESPA, FDCRA, TILA and settlement class received money and a do not contract with any of the above. 

However while this litigation was happening in Federal District Court in New Jersey, XXXX Caliber was harassing me to pay or set up a modification and I would not, stating I did not have a contract with them. Caliber, XXXX XXXX XXXX  and XXXX are all intertwine and committed real estate fraud. THE CLASS ACTION SUIT FILED BY XXXX, XXXX AND XXXX XXXX ON BELHALF OF THEMSELVES AND THE CLASS MEMBERS AGAINST CALIBER HOME LOANS , INC. ; XXXX XXXX  XXXX XXXX XXXX, AS TRUSTEE OF XXXX XXXX XXXX XXXX  CAUSE NO. XXXX CAUSE NO. XXXX addresses all the issues of the violations that made any contact made to the class, which I am, should be reimbursed money or not liable for any property, loans or liens. The boldness of litigating in federal court and harassing me to modified when Caliber acknowledged all the violations. 
There were 5 causes of actions with sanctions attached to each. The foreclosure on my home is fraudulent and should be protected by the Homestead Protection Act since the suit to foreclose is a fraud.
Product: Debt collection

I receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime.
Product: Checking or savings account

I never received the {$500.00} cash bonus for business checking account I applied on XX/XX/2022. 

Bank of America is denying {$500.00} cash bonus for my account on the categorally false conclusion that the bonus requirement includes " only for business accounts who were specifically targeted ''. At the time when I applied on XX/XX/2022, the bonus was available to all new BofA applicants and didn't include the targeted customer requirements. BofA later changed the terms to include the targeted customer language about a month later, in mid XXXXXXXX XXXX 

The attached pdf file shows the terms of bonus from BofA checking account application website on XX/XX/2022. As clearly indicated in the first line of their requirements, which I've copied in quotes below, there's no mention of targeted customers as a requirement to receive the bonus. 

( " '' 1 This offer is intended for new customers only ; you are not eligible for this offer if you were an owner or signer on a Bank of America XXXX XXXX Banking account within the last twelve ( 12 ) months. Only one bonus ( {$500.00} ) per business customer, regardless of the number of businesses owned or operated by the customer. '' '' ) Since BofA added the targeted bonus requirement later on mid XXXX, but not when I was approved for the account on XX/XX/2022, I would expect BofA honor their end of the bonus terms.
Product: Debt collection

They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN MY CREDIT ON TRANUNION TWICE IN ERROR!