23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I reported several fraudulent transaction in my checking account with Bank of America on XX/XX/XXXX. presently the bank has partially refunded debit charge claims. XX/XX/XXXX, I received a letter from bank of america claiming they are unable to refund my ach claims. 
claim number : XXXX 1. {$110.00} -- -- XXXX -- -- - has been refunded 2XXXX {$33.00} -- -- -- XX/XX/XXXX -- -- -has been refunded XXXX -- -- -- XXXX -- -- has been refunded 4. {$1000.00} -- XXXX 5. {$320.00} -- -- XXXX 6.XXXX  -- -- XXXX 7.XXXX -- -- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under laws 15 USC 1681 XXXX XXXX CITADELFCU XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally lodge a complaint regarding inaccuracies on my Transunion credit report. Upon recent review, I discovered several discrepancies that do not accurately reflect my financial history. I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) 15 USC 1681 s ( 2 ) and 15 USC 1681i ( a ) ( 5 ).

According to 15USC 1681 5 they are supposed to do this ( 5 ) Treatment if inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified 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 which has been modified or deleted from the file of the consumer.

According to 15 USC 1681s ( 2 ) - They are not supposed to furnish any information relating to a consumer to ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE!

Violation of 15 USC 1681e ( b ) This provision requires consumer reporting agencies to ensure maximum possible accuracy in credit reports. The inaccurate information on my report indicates that these agencies may not be fulfilling this obligation, and the errors in my credit report are materially affecting my creditworthiness.

Violation of 15 USC 1681i ( a ) ( 5 ) Under this statute, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my efforts to dispute the inaccuracies, the information has not been appropriately corrected, reflecting potential non-compliance with the required investigation and correction processes.

These inaccuracies have not only caused confusion but have also had a negative impact on my credit score and potential creditworthiness. I am requesting that the CFPB investigate this matter and require the reporting agencies to take appropriate corrective actions, ensuring full compliance with the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX 1934 XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Product: Debt collection

AFTER SUBMITTING A COMPLAINT TO THE CFBP CREDITORS DISCOUNT & AUDIT RESPONDED WITH PERSONALLY IDENTIFIABLE INFORMATION RELATING A CONSUMER THAT IS NOT ME. THE COMPANY SUBMITTED FALSE INFORMATION INCLUDING THE NAME, SOCIAL SECURITY NUMBER, MEDICAL INSURANCE NUMBER, DATE OF BIRTH AND TELEPHONE NUMBER BELONGING TO ANOTHER CONSUMER THAT IS NOT ME BUT ALLEGING TO SHOW PROOF OF AN ALLEGED DEBT. THE DELETION SHEET SUBMITTED BY THE CORPORATION ALSO CONTAINS ANOTHER FALSE SOCIAL SECURITY NUMBER THAT IS NOT MINE. I WILL BE FORWARDING THIS INFORMATION TO THE RIGHTFUL CONSUMER AND ADVISING THEM TO FILE A POLICE REPORT. I HOPE THE CFPB RIGHTFULLY INVESTIGATES THIS COMPANY BECAUSE IT IS GROSSLY VIOLATING CONSUMER PROTECTION LAWS INCLUDING HIPAA.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XX/XX/XXXX in tu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX in tu UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian / Equifax I am writing to formally dispute inaccurate information on my credit report that I believe to be harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation in to these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau
filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections perpetuate the inclusions of inaccurate information on credit reports.

I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

The CRA will not let me access my credit report online or file any disputes online. They have blocked me from reviewing my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX statement - numerous charges from a company called XXXX XXXX which I had never before ordered from. These charges were disputed. 

XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$73.00} On this same statement - charge for XXXX ( XXXX XXXX and XXXX ( {$67.00} ) which are XXXX companies I have never before charged to. 

The next statement XX/XX/XXXX again numerous charges from XXXX XXXX that were disputed. 


XX/XX/XXXX - XXXX XXXX - {$74.00} XX/XX/XXXX - XXXX XXXX - {$72.00} XX/XX/XXXX - XXXX XXXX - {$72.00} XX/XX/XXXX - XXXX XXXX - {$73.00} XX/XX/XXXX -XXXX XXXX XXXX {$94.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} The XX/XX/XXXX statement also contained other charges that we did not make XXXX XXXX - XXXX XXXX - {$9.00} and a XXXX  XXXX for {$9.00} Again these charges were disputed. Chase supposedly did an investigation and determined that these were legitamate charges. I went to a Chase bank office where i spoke with an employee regarding this problem. Supposedly the investigation was escalated but again I was notified that the charges were legitamate. I can assure you that I never made these charges and I have paid in full any charges that were made. I have stopped using this account and will never again do business with Chase but they are insisting that I pay this money. 

Please note that there were several account number changes. XXXX was on the XXXX statement. The current account number is XXXX. The account number kept getting changed due to the disputes that we filed with CHASE.
Product: Debt collection

Filed a complaint yesterday against XXXX XXXX. XXXX XXXX XXXX ( XXXX ) called us and again threatened legal action. And refused to validate the debt. XXXX sent a letter to XXXX yesterday requesting all communications be in writing and that the debt be validated. Today the debt is {$340.00}, not {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, equifax and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Product: Debt collection

XXXX  saying that I owe them XXXX. I payed my bill and turned in the equipment the same day after I told them I no longer need there service. The equipment was checked in I got a receipt for it but it was listed in the total lost of my vehicle that day. I have by bank statement stating that the money was withdrawn for my account. I told them that an they are same it wasn't payed.
Product: Credit card

I kindly ask for your help in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, yet the late payments are still being reported. Despite contacting them, I havent received any updates, so this is my last option.
Product: Checking or savings account

XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 
1. My sons name on his CD ( minor ) was spelled incorrectly. 
2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). 
I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552 Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC 20580 Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over three years. It has come to my attention that Equifax has violated my rights by Displaying incorrect information, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of 2024. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING. 

XXXX failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXXXXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter. 

Sincerely,
Product: Debt collection

I am a victim of identity theft since 2017. 
This company is trying to collect debt that is not mine. Nor am I aware of.
Product: Mortgage

My home insurance XXXX states that during my refinance my lender Pennymac did not pay for my escrow hence I was not insured from XXXX 2021. This is interfering with my ability to use my insurance for an incidence related to public utilities ( gas leak ) which occurred during the month of XX/XX/2021. Moreover my insurance never informed me that my lender had not paid, my lender did not informed me that there was a late payment. I am extremely disappointed that for 16 years I used my insurance and it fails to cover me. I need your help holding my lender accountable for their inability to abide to federal regulations and failing to pay for my escrow.
Product: Money transfer, virtual currency, or money service

I sent a {$16000.00} XXXX to Citibank , N.A . on XX/XX/year> for the benefit of XXXX XXXX XXXX to pay for my son 's tuition at the University XXXX XXXX ( XXXX XXXX ). 

For no apparent reason, Citibank rejected the wire and returned {$16000.00} ( subtracting a {$40.00} fee ). My attempts to resolve this through XXXX XXXX XXXX have been unsuccessful. XXXX claims that Citibank can not research the matter without having the XXXX for the transfer. But there would only be a XXXX when the payment is an international wire through the XXXX system. This was a domestic wire through the XXXX system, and I have provided them with the Fed reference number. But still they claim Citibank insists on receiving a ( non-existent ) UETR. 

The tuition was paid in a different manner. All I want is a refund of the {$40.00} fee Citibank charged me in error. Thank you.
Product: Checking or savings account

Bank of America illegally opened an account in my name and made illegal deposits. I have never had a Bank of America account. I filed a police report with my local law enforcement.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Netspend sent an ambiguous email about a problem with the account. I attempted to reach Netspend for several days, in which hold times would exceed 2+ hours and nobody would answer the phone. Moreover, the two times calls were actually answered, the agents taking the calls appeared to be non-US citizens located outside of the United States. The customer service was abysmal, and I was spoken to with disrespect, and had both calls disconnected twice. 

Netspend representatives claims that I needed to send them a valid I.D for account authentication, and then the account would be immediately unblocked. Once Netspend received the above captioned information, the company began to request a slew of invasive documentation. Netspend has refused to disclose any further information, and responding agents continue to submit lies and other misleading information. 

Finally, I alerted Netspend that I would compel arbitration if the company did not resolve the issues and, as a result, Netspend took retaliation in the form of sending additional emails with further restrictions on the account.
Product: Debt collection

Radius global solution listed collections/debt on my credit report that is not mine
Product: Mortgage

I filed CFPB complaint XXXX. The company responded but provided inaccurate information. 

" Concerns were raised about a recent denial of your request to assume the loan. '' I did not request to assume the loan. I was trying to find out the steps required to assume the loan, so I could be prepared when I want to assume the loan. 

" We confirmed the loan is not assumable as its term is greater than 30 years. Please note, this is a Wells Fargo guideline. '' Wells Fargo was not in a position to confirm that the loan is assumable or not, because Wells Fargo does not own the loan and did not own the loan at the time the question was asked and the response given. As it states later in the later, XXXX mortgage is now the servicer. Over the phone, Wells Fargo confirmed that servicers have different guidelines and Wells Fargo 's guidelines may be different than XXXX. Therefore only XXXX can say if the loan is assumable ( or not ). Furthermore, Wells Fargo confirmed that this is only a wells Fargo guideline, not a XXXX  guideline or a XXXX XXXX guideline ( XXXX XXXX owns the loan and makes the guideline. ) XXXX XXXX has confirmed that the loan is assumable.
Product: Debt collection

I have spoken to this company in XXXX on the XXXX and spoke to this company at XXXX and advised them not to contact my employer and that they can not contact me at my place of work. I have already submitted a complaint regarding their tactics. They contacted me again today and they left a voice message at my place of work. They called from XXXX and asked me to call them back at a different number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Product: Credit card or prepaid card

On a recent CFPB complaint XXXX Barclays agreed to compensate XXXX XXXX miles to my account. They did not follow through.
Product: Mortgage

XXXX XXXX Mortgage and I agreed to a forbearance on my mortgage, then around XX/XX/2020 we agreed to defer the forbearance amount to the end of the life of the loan. Recently I tried to apply for refinancing and credit, shocked to learn that I am unable to be approved for anything because they think I am overdue/late on my mortgage. I investigated and saw that my mortgage statement was showing that I was overdue since XXXX, even though I have been paying FCM every single month on time since XX/XX/2020. The statement even goes to say that if they don't receive the lump sum payment in the amount that I have already been paying them since XXXX, they will assess a fee charge. I called and FCM said they don't handle this since it is now with the " Loss Mitigation Department ''. I called Loss a several time and the only not so reassuring responses I could get every time was that they are " backlogged '' and " hope to have it solved sometimes XXXX ''. That is highly unprofessional and causing me financial losses in the moment when refinancing rates are at its lowest, I am unable to refinance based on something that should have been resolved by XXXX at the latest by FCM. They refused to acknowledge their lack of attention to this matter and the ramifications it has caused upon me.
Product: Checking or savings account

I tried to open an account with Schwab Bank on XX/XX/year>. After having issues online, I called them. The individual I talked to informed me that he could send me the paper application via XXXX fill it out, digitally sign it, and send it back. I did this and went hours without hearing anything. When I called back, I was informed that is not how they open accounts and that Id have to do it again, via their website. I went ahead and opened it online and got it squared away. When talking on the phone, I was told that to get a debit card and checks ordered, Id need to deposit {$0.00}. I sent over {$1.00} but then I was told it was actually $ XXXX XXXX sent over {$9.00} more. Well, come to find out, it was actually {$100.00}. Thankfully, a lady was able to get an exception. So I moved money into the account and went to XXXX my wife {$5.00}. Immediately had my XXXX account suspended. On top of this, my investor checking account kept saying unavailable for transfer because as the primary account owner, my role on the account did not give me authority to move money. I called Schwab every single day between XX/XX/XXXX and XX/XX/XXXX and neither issue has been resolved.
Product: Debt collection

I have contacted Resurgent/LVLV Funding several times and asked for the harassment and furnishing of inaccurate information on my consumer report several times, yet you refuse to do the right thing. Before I continue to resolve and redress the damages and injuries done to me by your company. First things first, YOU HAVE NO RIGHT OR CONSENT TO HAVE MY PERSONAL INFORMATION. I have never given your company any written statement or right to harass, abuse or contact me. I have asked for you to cease and desist all communication over and over yet you still continue with the abuse.
Product: Credit reporting or other personal consumer reports

Collections is not suppose to have a balance because the creditor sold the debt for is a violation SEC for securities fraud 42 USC 408 42 USC 405 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) 15 USC 1692c ( c ) Account name XXXX XXXX XXXX Account number XXXX Account info Account name COLUMBIA DEBT RECOVERY Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police XXXX.Someone has been using my name for accounts and credit cards.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ACCOUNTS : XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX are all fraudulent.

Also, according to 15 USC 1681s-2, 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. 12 CFR 1006.34 ( c ) ( 4 ) ( l ), collection agency is violating my consumer rights by using false misleading, deceptive means.