23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false delinquency on a paid-in-full account to Equifax and TransUnion in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

Equifax and TransUnion are failing to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ) and have not corrected the errors within 30 days ( 15 U.S.C. 1681i ).

The inaccurate reporting is causing financial harm. Stopping me from purchasing a home
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 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 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 XXXX XXXXXX/XX/XXXX Please block this information from my credit report XXXX XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general.

Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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 The following inquiries are unauthorized : Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Date : XX/XX/19 Creditor : XXXX XXXX Inquiry Date : XX/XX/19 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX AFFIRM XXXX XXXX {$83.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX5 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : VEROS CREDIT, LLC Account Number : XXXX Charge Amount : {$15000.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a transfer of XXXX dollop on or about XX/XX/2020 and PayPal did nothing to tell me where this money went or returning it
Product: Credit reporting or other personal consumer reports

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 THESE ITEM ON MY CREDIT REPORT NEED TO BE REMOVE DUE TO IDENTITY THEFT AND FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute and update personal information regarding my name and addresses that was used in fraud many years ago. Although they updated my name correctly, they continually to FAIL to remove the old outdated addresses from North Carolina that either are extremely outdated or addresses where I never lived. I've even sent them my current identification information and they still ignore it.
Product: Credit card

I have called twice to American Express and asked them to stop sending me and to my wife advertisement. They confirmed that they will not be sending mails to us with confirmation of our names, phone numbers and address. After several weeks I have received another advertisement from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is colluding with debt collection industry to manipulate credit scoring system to force people to pay. 
They even help debt collection agencies to collect debt by impairing credit scores without merit. This whole industry is dishonest under the pretense of representing credit scores for hard working people. 

I have tried to explain how the debt was an error and the company who sent me to the collection admitted to the billing error on the phone. The person was an agent of the company ; and must have not recorded nor rectified the billing. Thus, my case ended up in the collection. The company is a large telecom company and I have no way to substantiate the evidence. 

Regardless of what the issue is : credit rating companies hand in hand with debt collection agencies is morally and ethically wrong. I ask CFPB to look into this and see if there needs to be a review of the regulation on such regard.
Product: Checking or savings account

Ally Bank offered a Deposit Bonus Promotion. If a customer deposited money from another institutions into an existing Ally account between the dates of XX/XX/XXXX and XX/XX/XXXX and kept the money in the Ally account until XX/XX/XXXX the depositor would receive a 1 percent bonus on their deposit amount on or by XX/XX/XXXX. My spouse is also in this predicament. 

I registered for the promotion, received confirmation that I successfully registered, and then deposited {$50000.00} into Ally from an outside institution on XX/XX/XXXX. I kept the money in the account well past XX/XX/XXXX. In fact I still have the deposit with them as of today. 

Ally did not pay the bonus by XX/XX/XXXX and still have not paid it as of XX/XX/XXXX. I have called 5 times and they keep saying they are working on it. A manager in Ally 's customer service department said that they have been flooded with calls but have no time frame for it being resolved. There has been no communication from the bank on this. On my calls to them, they have said it would be resolved first within 3 to 5 business days, then they said 7 to 10 business days, and now they say the can not give a time frame at all. 

This is a deceptive practice, so I am notifying the CFBP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating
to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

this debt collector has violated several of my rights under the Fair Debt Collection Practices Act. I have never done business with this company and there is not a contract bearing my signature that i owe this company. This is false and misleading that i owe this company any amount of money which a direct violation under 15 U.S.C 1692e This company has damaged my consumer report by furnishing an account under false pretenses and committed Identity Theft. according to federal law 15 U.S.C1681s-2 '' A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate '' I will be filing a complaint with the attorney general and will pursue litigation
Product: Debt collection

I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from 2019. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.
Product: Prepaid card

Someone used my XXXXXXXX XXXX XXXX XXXX to do online purchases @ XXXX and XXXX XXXX purchases at XXXX in XXXX. I didnt allow anyone to use my card. I had my card in my possession. Also someone made a transaction at a store in my area manually impersonating to be me.It was more then what I uploaded at the XXXX XXXX XXXX. It was only the one at the XXXX XXXX on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to LCI Consumer Center under FCRA 611 ( a ) requesting verification for a Bankruptcy XXXX reported to credit bureaus, on XX/XX/2021, and on XX/XX/2021, and I havent received any response as of today XX/XX/2021. 
I am distressed that you are providing information regarding the questioned item, verified as accurate with thirty party credit bureaus ( XXXX, XXXX, and XXXX ) without completing an appropriate investigation and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate and complete credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
In the letter I sent to LCI Consumer Center on XX/XX/2021, I requested the following information : -Complete list of all documents and correspondence regarding the questioned item. 
-All names and contact information of employees that you spoke to as part of the investigation with date and time, so it can be used to find recording calls records if is needed by the court or general attorney. 
-Documents and explanation of how Lundquist Consulting , Inc received the public record information with complete information about me including, but no limited to, my complete social security number. 
Please be aware that I been disputing the public record with credit bureaus XXXX, XXXX, and XXXX several times and per credit bureaus and their correspondence to me the public record information has been verified by Lundquist Consulting Inc, I called the US Bankruptcy Court ( District of Nevada ) each time, after the questioned item have been verified as accurate per ICI and they have informed me that they dont verify or report information with anyone and they havent receive any call regarding a verification of the questioned information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. XXXX, 2021 {$640.00} To whom it may concern, I have noticed some unauthorized items on my credit report that I would like remove according to the FCRA these items must be removed And according to 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt he debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. This account was Paid and Close XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove this account in my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit card or prepaid card

On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours  attempting to mitigate the consequential events of that phone call. I feel so violated!