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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that GM Financial had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that GM was at fault for placing a wrong last name on my account. GM had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. GM has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. GM placing an incorrect name on my contract ( please see attached statement with incorrect Name )
Product: Bank account or service

I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to me.
Product: Money transfer, virtual currency, or money service

I received a text from Bank of America claiming someone tried to XXXX themselves money. After I replied NO that it was not me, I got a Toll Free Call, which Ive received before from BofA. I went through the process of confirming my entire bank account, name, address, birthdate etc and was told that I needed to reverse the charges by typing the code that I received into XXXX and reverse the {$3500.00} money transfer and it would reverse in 30 minutes. I have filed a claim with my bank and hoping this gets reversed.
Product: Money transfer, virtual currency, or money service

I sent money to my family in XXXX and was overcharged because my provider hide the fees in bad exchange rates. It is essential that all Americans know the total cost of making an international transaction, including any fees, and charges and exchange rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Product: Mortgage

Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.
Product: Bank account or service

After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated
Product: Credit card or prepaid card

Synchrony closed seven of my credit card accounts ( some store cards, some general-purpose credit cards ) on XX/XX/2020 summarily for a " high risk of failure to pay '' ( per a letter received from them on XX/XX/2020 ), despite me having 4 years on record with on-time payments. When I spoke to them on XX/XX/2020 they said it was due to other factors on my credit report - but I have no delinquencies on any of my credit reports. I have always paid all accounts ( including all the Synchrony accounts ) on time and am in good standing on everything. 

To me it seems they are using this excuse to lessen their overall exposure during the economic downturn brought on by the coronavirus. I believe this because of my stellar credit history and from seeing others on social media whose Synchrony accounts were closed on the same day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction and Investigation of Credit Report Information under FCRA ( 15 USC 1681i ) and Consumer Protection Laws ( 12 USC 5536 ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report and request that you investigate and correct the information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i , which requires a credit reporting agency to investigate any disputed information on a consumers credit file. 
I have recently reviewed my credit report and identified [ describe the specific item ( s ) you are. This information appears to be inaccurate, incomplete, or unverifiable. Under 15 USC 1681i, I am entitled to request a thorough investigation of this disputed information. 
I need physical documentation evidence that a thorough investigation was conducted on my behalf. In addition, TransUnions actions may also violate the Consumer Financial Protection Act ( CFPB ). 
As required by law, I request that you complete your investigation within the 30-day time frame as outlined by the FCRA and provide me with the results of your findings, including a copy of my updated credit report once the dispute has been resolved. 
Furthermore, as per 12 USC 5536 ( a1A-B ), I expect that you fully comply with the regulations surrounding consumer rights and avoid practices that may mislead or misinform me as a consumer. I trust that you will adhere to all statutory guidelines, ensuring that the accuracy of my credit file is restored and that all consumer protection rights are observed. 
Please find attached any relevant documentation supporting my dispute. If you require additional information or documents, kindly inform me promptly. 
I appreciate your attention to this matter and look forward to your timely resolution of this issue. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX Enclosures : Copies of social security card and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry from XXXX ( XXXX XXXX XXXX  ) dated [ Date of Inquiry ]. I did not authorize this inquiry, and it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

According to 15 U.S.C. 1681b, a credit inquiry can only be conducted under specific circumstances, such as : With my explicit written authorization, In connection with a credit transaction I initiated, or For employment purposes with my written consent. 
Since none of these circumstances apply in this case, this inquiry by XXXX was not authorized by me and should not have been made. 

Action Requested : I am requesting that you immediately : Remove the unauthorized inquiry by XXXX from my credit report. 
Provide me with written confirmation that the inquiry has been removed. 
Provide me with the name and contact information of the department or representative at XXXX that made the inquiry, as required by 15 U.S.C. 1681g. 
Additionally, please be advised that I have filed an identity theft report with the Federal Trade Commission ( FTC ) regarding this unauthorized inquiry. Enclosed is a copy of the Identity Theft Report filed with the FTC, along with an Identity Theft Affidavit. I take this matter very seriously and am prepared to pursue all available legal avenues to protect my rights. 

Enclosed are copies of my credit report highlighting the unauthorized inquiry by XXXX, the FTC Identity Theft Report. Please investigate this matter promptly and correct the information as required by law.
Product: Student loan

My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment.
Product: Checking or savings account

As a follow-up to my prior complaint, XXXX debit 2 {$400.00} charges from my account on XX/XX/XXXX. USAA asked me immediately if this is fraud. I said yes. After a several confusing phone calls with USAA, I was assured the matter was resolved. They deposited {$800.00} back into my account the next day as a provisional credit while they resolved the matter. Several days later, in fact on XX/XX/XXXX, USAA bizarrely withdrew the {$800.00} provisional credit. I called them immediately on like 2 hours sleep. I work all the time and I do not need this stress. Their representatives provided me conflicting and apparently ( from what I found out on later calls ) wholly inaccurate information - telling me that someone impersonated me and confirmed the charges were valid, then asking if my husband is running these charges ( mind you they were asking if he did this on my debit card which he does not have. Also he is not a gambler ). Then they said they can't fix this for 45 days and that no one will call me back after I requested to speak with someone else. Then I called back and I was told this would be fixed, that this was a 'bank error ' and someone would call me during the same business day. No one did. After bank closing, I realized this was not fixed, so I attempted to cover the {$800.00} taken from me by USAA by sending a XXXX deposit and then depositing a check - apparently that just does not work with them - they just bounced a check withdrawal on my account. They did this because they hold after-hour XXXX charges for days and they also put a bizarre hold on my check. I was then told I should not deposit a check from an account I have at another bank- this was news to me - that they can wholly refuse that - and they decided anyway to hold the funds for 10 days???!!! Why? They themselves present and get the funds like the next business day. They claim 'zero-liability ' policy for fraud- they have sucked up an enormous amount of my time, they have a bounced a check for less than the {$800.00} they took from my account on the XXXX that they acknowledge is an error, and they have insulted me on the telephone. They don't even care at all when I tell them I will report them YET AGAIN to your office. They just don't care about their customers, they don't care about veterans or their families, they are just harassing me over fraud they fully acknowledge is not my fault. I am disgusted and upset and I do not need this XXXX as I work 60 hours a week and I have to stop working to deal with their XXXX back office processes. All of these problems with USAA have started in the past 2 years - before that, they were fine. I am just beside myself. I absolutely am so upset that they can't stop hassling me and making my life XXXX over a fraud that they acknowledge is not my fault and over their own bank errors.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX  Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus aren't doing proper investigation nor sending proof or documentation as to how they came to this conclusion. I've never had a XXXX XXXX XXXX  account. These credit have damaged my credit score over XXXX points. I've sent proof there was a data breach and also an FTC report as to provide there was fraudulently compiled and yet there is a response in less than XXXX weeks. How is that possible. I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to me. This is the proof I will need to sue them in court and win. I'm asking for proof of validation of how they came to their conclusion and not just an updated credit report as thats not proof. Please enforce the FCRA rules and hold them responsible. I want proof of investigation an signed contract. E-Oscar isn't a proper investigation.A
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Student loan

I would like to get my private student loans canceled from XXXX XXXX which should be canceled due to the misconduct by the school that has me in debt do to no fault of my own Ive been paying these loans for probably 20 years and its no way interest should be this high my federal loans have been cancelled for this same practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}
Product: Checking or savings account

I am an XXXX XXXXXXXX. One of my XXXX XXXX XXXX XXXX me their payment for their insurance. This is a common practice for payment. The payment goes to my XXXX XXXX account and I make the payment for the client. Somehow on this transaction, the client XXXX the payment and it went to my Regions Bank personal checking account. I didn't think anything of it and I just electronically paid the clients insurance from the account. Regions bank confiscated the money for XXXX loans that they have closed 6 months ago due to my ability to pay the loans. Instead of them paying the insurance XXXX their money, they paid themselves without my authorization. When I call them to ask them to give the money back because it is not my money, it is a client 's money. They refused to give the money back. I did not authorize them to make a payment to them and I did not authorize them to take money out of my account. This is not my money and I can be arrested for theft for taking a client 's money and not paying for their insurance. My Regions bank account number is XXXX. I need the money back to pay XXXX Assure for the client 's insurance. This is not my money and it doesn't belong to me. It surely doesn't belong to Regions Bank.