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

This is my follow-up complaint in line with my prior complaint dated XX/XX/XXXX. 
My complaint contains the items which I believe to be fraudulent please remove the items in my file : XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed that there are fraudulent inquiries on my account and I need them removed. XXXX - XXXX Cards Services XX/XX/year> XXXX - XXXX Card Services XX/XX/year> XXXX XXXX Truist Bank XX/XX/year>
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. section 602 A states I have the right to privacy.

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.

U.S.C. 1681 c ( a ) ( 5 ) section states to consumer reporting agency may make any consumer report containing any of the following items of information. Any offense adverse term of information other than records of convictions of crimes with antecents to report by more than 7 years.
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting ( XXXX XXXX XXXX ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and Kashable LLC are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.
Product: Mortgage

I sent you guys a complaint a few months back and that have a very positive effect on getting my mortgage and short sale moving along after being stuck for 8 months. Thank you for that. It has been a year now since I started the short sale process and still no resolution. The last potential buyer backed out after we were quoted 15 business days to review the short sale and we did had no word after 6 weeks. I call to complain and no one seems to care. Now I have to start this whole process all over again. This is totally unacceptable for it to take this long. It took so long that our initial documents all expired before they could complete the process and we had to complete new ones. I was able to get my wife a XXXX faster than this. I try to give them everything they need and they drag their feet until the buyer walks away. The process is so difficult they want to foreclose.
Product: Checking or savings account

I was supposed to receive a {$500.00} bonus offer for meeting specific requirements when opening a new business checking account with Bank of America. I confirmed in XXXX that all of the requirements had been met : To earn the {$500.00} bonus : Make Qualifying Deposits* of {$20000.00} or more into your new business checking account within fifteen ( 15 ) days of account opening ; AND Maintain an average balance of {$20000.00} during the Maintenance Period** ; AND Make XXXX XXXX XXXX ) Qualifying Electronic Payments*** that are posted to the new checking account by the end of the Maintenance Period. 

However, there was confusion surrounding the new money deposit, which I moved directly into my existing personal checking account from an external source ( XXXXXXXX XXXX ) and transferred to my new business checking account as confirmed from a representative. 

The bonus offer was rejected several times even though the representatives acknowledge that I am correct. But the process is that they flag the issue for 'escalation ' and it has now been rejected several times. Despite being owed the bonus, I can not circumvent the process despite speaking with customer service ever other day from XX/XX/XXXX through XX/XX/XXXX, attempting to resolve this matter. 

I finally threatened to file a claim with CFPB if we can not resolve this, as this matter needs to be escalated outside of the Bank of America framework. 

My bank statements attached show the new money deposits from the personal checking account ( ending in XXXX ) came from XXXX XXXX and were sent to the business checking account ( ending in XXXX ). All requirements can be verified on the business checking account statement attached and the money was held above the XXXX balance per the next two statements attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 



3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A XXXX  PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
Product: Debt collection

I received a letter on XXXX18 from Northland Group stating I have a past due balance of {$200.00} but it does not state from where the debt originated from. Also I checked my state of Florida ; Florida Office of Financial Regulation for licensing and Northland Group is not registered as a collection agency to collect debt in my state.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is closed and written off so therefore a 1099c should have been filed, and balance should be updated to XXXX XXXX. I have not received a 1099c for this account. This is a violation of the Consumer Protection Act, so could you please file 1099c and update my account immediately, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX XXXX ( Late Payment ) As part of the dispute. I requested that you reinvestigate the information and provide me with proof of reinvestigation as required by FCRA.
Product: Checking or savings account

I open a saving and checking account with Chase Bank over 30 years ago. 
At the time of opening the account, there were no balance limited. Now chase is requesting me to keep a balance of XXXX into my savings account to avoid a XXXX fee. I keep explain to chase I need the XXXX to pay my bills and they don't see to care or understand that I am a loyal customer. 

I don't want to close the account because I will start saving again. I go to the bank and ask for chase not to charge the fee because I can not maintain a min balance of XXXX because I need it to pay my mortgage. 

Chase staff don't care, they invest these rules to keep customer from paying our bills. 

I have to pay my mortgage and all my other bills, when I am done, I don't have XXXX to keep in the account. This will be temp for only 1 year. I ask chase to not charge me the fee for 1 year and they refuse.
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. The address and license for which this account was opened do not match.
Product: Checking or savings account

Good morning I have been a customer of Wells Fargo for many years. I live in XXXX, XXXX. That's why I opened an account at that time, which charges little account maintenance fees. 
In XX/XX/2022 I got a letter from Wells Fargo that I have to close the account because I don't have a permanent address in the XXXX XXXX XXXX XXXX I didn't understand why Wells Fargo is requiring this now and I haven't found any federal law in the XXXX that requires this. I felt a kind of discriminated against at the time, but accepted it. 
I tried to transfer my funds online from my Wells Fargo account to XXXX. Unfortunately, that didn't work out because I don't have a permanent address in XXXX. 
I called Wells Fargo on my own costs and was told that I needed to fill out an Account Closure Form. This form must be verified by a notary, it must be mailed Wells Fargo Bank Exception Payment Account Closures in XXXX and the beneficiary must be the account owner. Since I personally do not have a USD account in XXXX, I indicated the bank account of my wife, who has a USD account, and had this change confirmed by the notary. 
In my opinion, the bank holding the account has only XXXX right and duty, it must clearly identify the account owner. Wells Fargo has done this via email contact and phone contact, but the bank has no legal right to ask for a specific beneficiary. Anyway, my lawyer and I have not found any mandatory law in the American legal system. 
My attached account closure form with a new account in my name and my wife 's name is again not accepted by Wells Fargo. Wells Fargo now requires that my request be confirmed by the XXXX XXXX in XXXX and that the request be sent by mail again, even though I always communicate with Wells Fargo 's compliance department via secure email. 
I don't understand Wells Fargo 's behavior because the money in my account is mine and I can transfer it wherever I want. 
There is no federal law in the XXXX that dictates who I send my money to. 
My suspicion is that Wells Fargo 's action is systematic with the purpose of wearing down foreign bank customers without a permanent XXXX address and forcing them to give up their funds. 
I respectfully request that you address my concerns on behalf of all other foreign customers without a XXXX residential address. 
Best regards XXXX XXXX
Product: Student loan

Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.
Product: Debt collection

In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX  ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ).

Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you!

Account Name : I C SYSTEM INC ( XXXX  ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this company and why its on my bureau. Company does not own rights to the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for 972k purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.