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

I discovered certain issues on my credit report that were improperly reported after analyzing it. The Congress has granted me the ability to dispute and correct inaccurate information on my credit report.
Product: Mortgage

We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically delineated within 15 USC 1681 section 602 ( a ), it is unequivocally established that consumer reporting agencies are bound to discharge their onerous duties with a strict adherence to principles of fairness, impartiality, and an unwavering reverence for the sanctity of consumers ' privacy rights. Notably, XXXX, Experian and XXXX stand as quintessential exemplars of such agencies.please remove the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a diligent steward of my own privacy rights, as enshrined within the purview of 15 USC 6801, it is incumbent upon me to ensure that my confidential information remains safeguarded from unwarranted dissemination. This obligation extends to any entity classified as a financial institution, such as the entity responsible for furnishing information to credit agencies ( henceforth referred to as " ( Furnisher of information to credit agencies ) '' ).

Section 604 ( a ) ( 2 ) of 15 USC 1681 unequivocally underscores that the furnishing of consumer reports must be conducted solely in strict adherence to the express written directives of the concerned consumer. Herein lies the crux of the matter : neither the financial institution, nor the consumer reporting agencies, XXXX, Experian and XXXX possess the requisite consentneither written nor impliedto furnish my information.

Further fortifying my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions are duty-bound to elucidate to consumers their right to exercise the option of nondisclosure. Regrettably, no such explanation was tendered to me by ( Furnisher of information to credit agencies ), thus flagrantly contravening statutory provisions.

Moreover, the inclusion of adverse information in consumer reports sans requisite authorization is expressly prohibited by 15 USC 1681C ( a ) ( 5 ), thereby rendering the actions of the aforementioned agencies patently unlawful.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, any entity furnishing information to consumer reporting agencies is categorically
prohibited from doing so if cognizant of its inaccuracy. XXXX, Experian and XXXX persistence in furnishing such dubious information egregiously flouts this provision.

Furthermore, pursuant to 15 U.S. Code 1681e, it is imperative for consumer reporting agencies to maintain robust protocols aimed at forestalling violations of statutory provisions, a requirement that XXXX, Experian and XXXX flagrantly disregard.

Lastly, 12 CFR 1016.7 expressly affords consumers the unassailable right to opt out of reporting services at their discretionan option I am unequivocally availing myself of forthwith.

In summation, it is abundantly clear that XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) have transgressed a litany of statutory provisions under the FCRA, thereby necessitating immediate rectification of their actions and a cessation of any further violations forthwith.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent TransUnion a cover letter, Identity theft affidavit via USPS certified return reciept. Transunion recieved my mail correspondance on XX/XX/2023. Transunion failed to block the information relating to the Identity theft I had requested. Pursuant to 15 usc 1681c-2 the block of information was to be done within 4 business days.Transunion failed to do so while investigating the identity theft. Transunion sent me a letter dated XX/XX/2023 stating that they was going to rescind the block due to me not providing any information and that they believe I recieved goods and services. I sent all the required information in accordanec to federal law. I also notified transunion that if they believed that I recieved good and services form the furnishers that I request a senior exectuve memeber to send me an affidavit sworn under oath of that fact transunion never provided that correspondance for proof of the fact. Pursuant to 15 usc 1681g as a victim of identity theft I AM ENTITLED TO RECIEVE DOCUEMENTARY EVIDENCE as proof IN WHICH THEY BASED THEIR DECISION ON I HAVE YET TO RECIEVE THAT EVIDENCE. Pursuiant to 15 usc 1681c-2 ( c ) ( 3 ) information itself can not be evidence of me obtaining goods and services. 
I have never done any business with any of the furnishers of this information, I have no contract with them, they are not creditors of mine, I have never had any relationship with any of the furnishers of the false information being reported. I was never given any documents to prove otherwise. 

Transunion knowingly and willingly continues to report inaccutae and unverifiable information on my credit report after notice of the facts was given. They have failed to maintain reasonable procedures to assure compliance with the fair credit reporting act since I am a victim of identity theft pursuant to 15 usc 1681e in which they were to prevent from happening as well as allowing persons to furnish information without a permissible purpose I had no business relationship with any of the furnishers, no contract, they are not a creditor of mine, I have no account with, no obligation nor any services was ever rendered to me pursuant to 15 usc 1692e ( 2 ) from these furnishers. Transunion failed to protect my right to privacy in which they had an obligation to protect pursuant to 15 usc 6801. They allowed my nonpublic personal information to be obtained by perpetrators of fraud. 

I am suffering and will continue to suffer harm to my reputation from the material misrepresentations in my credit report if this error is not corrected immediately.
Product: Checking or savings account

Myself and another company were victims of bank fraud. Over {$22000.00} was taken from my account by hackers. Our cases were investigated together. The investigation lasted several months and my account was frozen during the process. I was ultimately cleared of any wrongdoing and given an investigation report that detailed how the money was stolen from my account. Despite all of this I never received a XXXX of my money back even though I was told I would get it at the conclusion the investigation. Bankers walked me through the claims process. My claim was almost instantly denied ( I received a denial letter the next morning ). Truist Banks reason was the funds were wired to a trusted account ; meaning they thought it belonged to me. I was able to prove the account was not mine. Then I was told to file another claim. This claim too was denied on the grounds that Truist says my time to file such a claim had expired even though several bankers have told me this is an error. I have made several attempts to resolve the mishap and recover my funds but to no avail. I cant even get a returned phone call.
Product: Credit card or prepaid card

Had a card with Wells Fargo. They placed me on Covid-19 payment assistance. But never sent me any information about the duration of the assistance or when I would be coming off the assistance. But to make sure a payment was posted, I mailed them a {$30.00} check even during my period of payment assistance. Howeve, this payment was never applied. Instead, they removed me from covid assistance without notice, causing a late payment on my credit report. I closed my account to get away from this shady company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I spoke with Fifth Third bank regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the Fifth Third Process. All payments were made on time during the 3 month trial period and Fifth Third agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling Fifth Third bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by Fifth Third. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by Fifth Third, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that Fifth Third did not foresee that this could impact a persons finances. I have tried everything that I could think of to get Fifth Third to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Product: Mortgage

After 167 days since application to refinance our existing mortgage with Wells Fargo, we received a form letter on XX/XX/XXXX stating they were declining or application because the no longer offer the program for which we applied. Up until now, we've had our closing date communicated to us numerous times - always sliding backwards without any explanation. The last we were told, we would be closing on XX/XX/XXXX. No one called prior to us receiving the letter. I had to reach out to them for an answer. 

I talked with someone who I had previously spoken with in the Customer Care Group who said that they could no long accept the type of appraisal they ordered - one that would have been acceptable had the loan been handled in a timely manner. Aside from that, she indicated should would not be able to give me any more information until she had time to review the file and that she would be back to me by XX/XX/XXXX. 

This process has already cost us several hundred dollars. They have been stringing this process along to a point that now we have to start over again because Wells Fargo has an employee performance problem and they lack the necessary internal controls to alert their management to problems in processing credit applications in a timely manner. 

This has had an adverse financial affect on us and Wells Fargo is not willing to assist us unless we reapply and start the entire process over again. 

Regarding my previous CFPB complaint, I received one phone call assuring me they would look into the matter and then 2 voice mails saying they were still working on it. I called my contact twice last week but she never returned my call. I called her again this morning after receiving the letter. She has not returned my call. 


Previously reported : We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/XXXX. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.
Product: Bank account or service

TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.
Product: Debt collection

I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
Product: Credit reporting or other personal consumer reports

my identity was stolen and im getting back on track now i have inquiries that i did not authorize, i have no knowledge of them, please dont send me a letter saying that they were verified, how can you verify fraud. 

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

At the end of XXXX, I received a physical letter and searched online. The welcome bonus offer was the same ( Earn {$300.00} back after spend {$1000.00} in purchase on new card in the first 3 months. ) So I applied online. However, after I made the goal and waiting for 2 months without receiving the offer, I tried to contact their customer service, and the answer I got was the offer was {$250.00}, not {$300.00}. I provided the application screenshots to them. Unfortunately, on XX/XX/XXXX, they only gave {$250.00}. This is not the same as the advertisement promotion. I think its unfair.
Product: Credit card or prepaid card

I have been dealing with an ongoing issue with Discover card for two (2) years. I called customer service again today and spoke with XXXX  who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful XXXX XXXX and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Discover has failed to properly investigate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial is on my credit inquiries four times for XX/XX/2021 I have never applied for this company and why would they have four inquiries at the same time
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to get Credit report from Equifax. However they can not give it to me since I do not know anything about 3 debts that I never took out and no other credit report has asked me for. Specifically these are : 1. A student loan in 2016 ( I was XXXX at the time. A simple date check in their system should prevent this ... ) 2. A home loan at XXXX  ( I do not own a home, I actually lived with my parents at XXXX   and was a dependent on their taxes ) 3. A installment account at XXXX ( I have never opened or heard of such an account type until now ) Since they are the private version of the XXXX   social credit score they do not have niceties like customer service or the ability to protest beyond this form. So here it is.

They want me to send my personal documents in the mail to them. This is not free and in violation of the credit act that requires this information to be available to americans once per year. Unlike XXXX ( which does not have bad info and is in compliance ) you can not dispute the credit report verification if all the information is incorrect ....

Personally after going through this experience I feel that the american dream of freedom has truly moved to XXXX Sadly I can not emigrate there coming from XXXX  and all.. : - (.
Product: Consumer Loan

I had an account with USA Discounters and I saw that they are now going out of business. I received a letter from XXXX ( I am Military ) saying they were going to garnish my wages. I did not receive any paperwork or court order of having to pay them. I had trouble paying and they ended up suing me in XXXX back in XXXX 2015. I did not know that they did this and before tried working with them. Now that they are out of business how am I supposed to fight this? I am XXXX and according to XXXX I got the court order which I did not. What am I suppose to do to combat something I did not know was happening? I looked up Warrant of Debt ( that is what I guess they supposedly served me with ) and it says that they can not sue me in a state where a contract was not signed. I was in XXXX at the time and When XXXX said they sued me, I was in XXXX and the court proceedings were in XXXX. Attached is what I got from XXXX but never got any court orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I reached out to equifax by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and XXXX, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to XXXX and was informed they can only report what equifax gives them. At this point, I don't know what how to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX at XXXX. I called Equifax to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.