23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My only checking account was hacked on XXXX, this was with XXXX. I proceeded to call all creditors that I make payments to let them know the situation. I updated my information with Care Credit when I had a new bank account, but the first payment attempted to. They are stating that the bank account information was not correct because it was missing XXXX XXXX at the beginning of the account number. I entered the exact account number from XXXX XXXX, my new bank account. When I learned that the payments were sent back I called and spoke to someone on the phone. I made a manual payment that went through. Then the auto pay was rejected stating the bank account was invalid. I called and spoke to someone and they set the autodraft up again and that was input incorrectly or had issues with the bank info. They have now closed my account because of the rejected payments. Most of this was through no fault of my own other than a possible clerical error.
Product: Mortgage

My mortgage is with Ocwen Financial Services. After making payment arrangements they continue to call my approximately 15 to 20 times a month, up to 4 to 5 times a day. My mortgage is not in arrears. I have requested that they do not contact me by phone several times to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information. The discrepancies and inaccuracies are concerning and require immediate action. I request the immediate deletion of these accounts or, at the very least, the removal of the erroneous late payments. Below, I outline the specific issues and the relevant laws that support my request for accurate reporting and possible compensation for the harm caused by these inaccuracies. 

According to the precedent set in XXXX v. XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ), it is the responsibility of the credit reporting agency to ensure the accuracy and integrity of the information they report. The failure to do so not only violates the FCRA but XXXX also lead to potential liability for damages. 

Furthermore, in XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized the importance of a reasonable investigation into disputed information. I believe that the inaccuracies in my report warrant a thorough review and correction. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX. 
Experian Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date of First Delinquency ; XX/XX/XXXX Date of First Delinquency : XX/XX/XXXXXX/XX/XXXXXXXX Report : Open Date : XX/XX/XXXX XXXX Report : Open Date : XX/XX/XXXX XXXX BANK XXXX Report : Last Payment Made : XX/XX/XXXX Experian Report : Last Payment Made : XX/XX/XXXX XXXX Report : Last Payment Made : N/A These names, addresses and phone numbers are inaccurate and inconsistent information XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX Address ID # XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Under 15 U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I never gave anyone consent to furnish this information therefore you are in violation of the FCRA. 

Filed report with XXXX Reference XXXX
Product: Money transfer, virtual currency, or money service

I placed a money transfer for {$5500.00} on XXXX through INSTAREM ( XXXX ) to my mother in law in the XXXX XXXX XXXX ), for purposes of building my house there.. I've made 10 similar transfers over the last six months. They inquired for a second time about our relationship and purpose, so I told them again. My money transferred to their New York account on XXXX, and since that time the transfer has not happened, still " processing ". I've contacted them through email and chat approx. 15 times, and I'm just getting apologies and we're working on it. I feel as though they are holding my money, and not responding to my concerns ... I'm not sure if it will ever be released. I asked 3 times for a refund, and they just tell me to hold on. It's been almost 2 weeks since my order was placed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions. 

Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act.

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected. 

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax took my XXXX credit score and dropped it XXXX points when not a single thing changed. I asked them why and they refused to answer my questions. The other two reports have me reported so that I can move forward repairing my credit after a 2019 bankruptcy.

I have asked and asked and asked Equifax but they ignore my request each time. I have tried everything I can to find out why they dropped it so significantly but they absolutely will not answer nor talk to me on any level. 

They are also reporting that XXXX reported I missed a payment recently and that is a bald face lie. I have NOT missed any sort of payment on anything. 

Equifax is deceitful and reporting lies and refuses to answer my questions.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Transunion, XXXX, and XXXX to have the items fixed on XX/XX/29 and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below : The information about my name is not reported accurately. 
My current address is not listed accurately. 
Certain information about my date of birth is not accurate.
Product: Vehicle loan or lease

I XXXX XXXX, formerly XXXX XXXX am a victim of a fraudulent RISC from a car dealership. I was undergoing XXXX XXXX treatment and received a notice from court that I was being sued. I responded to the lawsuit saying I never purchased the vehicle. I was waiting for a court date. I never recd. service to appear in court but then rec 'd. a default judgement. I was still undergoing XXXX XXXX treatment when I rec 'd a notice of garnishment XX/XX/XXXX. I was sued by Ford Motor Credit for a car that was never purchased from XXXX XXXX in XXXX, XXXX. Ford repossessed the vehicle from whoever had it and sold the vehicle sueing me for the remainder of the balance owed. I visited XXXX XXXX XX/XX/XXXX to look at SUV 's and submitted credit peperwork but ended up leasing a new XXXX around the same day at a XXXX dealership. 2 months later I moved to XXXX. The sales person and internet sales manager who are one and the same are the only individuals on the contract other than my forged signature. The contract was a salespersons dream come true with {$6700.00} in Ford extended warranties on a XXXX XXXX XXXX  with XXXX miles on it, if I understand Ford ESP contracts you are not able to purchase a ESP on a vehicle the has gone past the 3/36 warranty. The {$1500.00} down payment was deferred. I was never provided the anti packing paperwork as part of the XXXX  Car Buyers Bill of Rights listing all of the optional warranties in the lawsuit paperwork, insurance was never obtained for the vehicle that I am aware of yet the vehicle was allowed to leave the dealership ... ..the " sale '' took place in XXXX with the lawsuit occuring in XXXX ... .the salesperson has disappeared, we can not find him anywhere on the internet. He had an extensive felony criminal history prior to becoming a sales manager for XXXX XXXX. I can only assume they figured out what he was doing and terminated him. I could never find him working for any other car dealership after this. He subsequently opened his own medical billing company out of what appears to have been or is his home but the number is disconnected and I can can not find any other information about him on the internet. If in fact he was terminated for dealership fraud Ford then decided to pursue a bogus lawsuit against my fiancee ....
Product: Checking or savings account

I hold both a checking and savings account with Bank of America. When I opened the accounts, I was informed that having a savings account would exempt me from any monthly maintenance fees. However, I've been charged XXXX XXXX monthly on my checking account for the past XXXX months. When I requested a refund, I only received a reimbursement for the last XXXX months. I am filing this complaint to request a full refund of all monthly maintenance fees charged.
Product: Payday loan, title loan, or personal loan

They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score
Product: Debt collection

I would like to let you know the emotional support and trauma I experience from the popular bank. I opened an account with them, and I later saw that their banking system did not meet my expectations. After one month I called them to close my account and they insisted that I must pay XXXX dollars to close my account. I never seen where someone wants to close his or her bank account, he will be charged to close you an account. This is fraud and not a business integrity. I called them several times to close my account. They refused until I paid XXXX dollars, they later closed my account without me paying the XXXX dollars, but they frustrated me, embarrassed and harassed me with illegal charges and I don't deserve it. I think they are requesting XXXX dollars because of my race or origin or tribe. I can see a discrimination. They get upset and refused to close my account because I am leaving them. I told them on the phone if they refused to close my account and remove these XXXX dollars, they are charging me illegally that I will report them to government they hanged phone on me until I went to their store and insisted that they will close my account before they finally close it. This brought me a lot of anxieties. They cant discharge my case or get away with their bad way they treated me because they harassed me with XXXX dollars I dont own them. They are not honest, they saw that I am low-income individual, and I am struggling, and they that are wealthy are forcing me to pay XXXX dollars I dont owe them because I decided to leave the company then they get upset for nothing. Even if it's a new account no one pay to leave a bank and I have right to leave the bank if their banking system doesn't meet my requirements. They can't get away with their bad treatment on me and I will never agree about the way they bullied and harassed and threaten to pay XXXX dollars and they must tell they government what they did to me and how they treated me on the phone to pay XXXX dollars on the phone to close my account, I cried all week because of this harrasement. I will never agree or let this go and they can't deny it because our conversation was recorded by them several times, I called them requesting to close my account and they insisted that I must pay for XXXX dollars. This is fraud. They wealthy already and want to get XXXX dollars from me who is struggling to survive.
Product: Mortgage

I have submitted a claim regarding Wells Fargo Mortgage department, committing many illegal acts on behalf of my mortgage. Including the fact they are acting illegally regarding dual tracking on my mortgage. Wells Fargo was in the process of a modification on my loan at the same time they are trying to foreclose on my mortgage. I was assured by Wells Fargo 's presidential office that rental/ contributor income could be used. Then was denied a repayment/ modification being told the opposite.

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo sent me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage.

I am able to catch up my mortgage in a reasonable repayment modification to keep my home of which I have lived in for the past 10 years with my small children. Falling behind only due to major unexpected XXXX. I am currently back to work full time. I have tried many attempts to make payments Wells Fargo refuses to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I am trying to rent some office space, and XXXX and Experian are unable to locate me, and not willing to accept my US Passport, or copies of correspondence received at the address of record. I want them to email the report because the potential landlord needs this today, and Experian and XXXX want to mail it. There is no question as to my mailing address, since I have supplied them copies of documents received at this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian personal information account, Experian has not allowed me to dispute XXXX XXXX XXXX from my consumer report. I told them I just wanted to keep the name XXXX XXXX, they have purposely not given me the option to dispute online, so I called and customer service denies my option to remove the name nor the option to dispute it. Experian knows that I am the individual who is control of the account, but they still deny me. Experian claims it is to protect me but there is only one XXXX XXXX that lives in the same address as the one in my personal information. This is my consumer report and I determine what goes on my personal information and what does not. Attached to this report I have the two names on my personal information.

15usc 1681 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. Experian believes they are bigger than what they actually are by denying my request to dispute/remove the name XXXX XXXX XXXX 15usc1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Experian assumes they can remove the online dispute option to deceive the consumers giving us no choice but to call them but instantly getting denied.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed XXXX, TransUnion, and XXXX to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED. 

Inaccurate info violates FCRA : XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. XXXXi ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable. 

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX Wildfires have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report that I did not authorize. I believe someone may have submitted it without me knowing.