23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, including XXXX, Equifax, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a wounded veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a wounded veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Product: Mortgage

Wells Fargo Home Mortgage sold/transferred my mortgage to XXXX XXXX XXXX XX/XX/XXXX. I had applied for and was approved for forbearance by Wells Fargo Home Mortgage in XXXX of XXXX due to COVID for 6 months. In XX/XX/XXXX Wells Fargo Home Mortgage asked if I need an additional 6 months for COVID. I applied and the first payment due again was XXXX XXXX. I made a payment to Wells Fargo starting the payments again. In XX/XX/XXXX I am being told Wells Fargo Home Mortgage transferred my loan to a mortgage debt collection company and they have the forbearance as a balance that is due by XXXX XXXX or have my house put in foreclosure.
Product: Money transfer, virtual currency, or money service

Binance XXXX XXXX exchange changed their privacy policy ( required to agree to sharing of biometric data with 3rd party affiliates ) and will not allow me to access my account unless I agree. I was not provided prior notice or warning of the change or allowed the opportunity to withdraw my funds if I do not agree to this change. Below is the prompt requiring consent in order to access my funds. 


" BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/2022 By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

There was an on-line offer to open a new checking with specific requirements to receive a {$200.00} bonus. I met all those requirements listed in the offer and now the bank refuses to pay me the {$200.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to speak with some one at Transunions yesterday. I informed them that I have been a victim of their inquiry  problem. I am not responsible for the inquiries that are showing on my report, and I would like them removed immediately.
Product: Credit reporting or other personal consumer reports

These Experian inquiries are not authorized : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX These Equifax inquiries are not authorized XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX These XXXX inquiries are not authorized These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Student loan

I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.
Product: Credit reporting or other personal consumer reports

To : TRANSUNION NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT INQUIRY REMOVAL LETTER This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on several dates without my permission, or without a permissible purpose by law, you are also in violation of Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with the below listed companies. Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with any of them to review or collection. 


XXXX XXXX XXXXXXXX XXXX- XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its reporting twice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C . $ 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA {$610.00} ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency lied in their last reply to me. In the attached document they reported that, " The company that reported the information has certififed to Experian that thei information is accurate. '' As I stated in my previous complaint XXXX I contacted them requesting the method of verification used that shows the information they are reporting in a bankruptcy on my credit file is accurate. However they only replied saying it was verified and did not list the name of the company. I checked their website and their website states that they verify bankruptcies using XXXX XXXX. In the letter attached XXXX XXXX states that the bankruptcy file they were reporting was deleted from their records on XX/XX/21, but Experian replied to my complaint with you on XX/XX/21 stating it was verified as accurate, and also replied to me on XX/XX/21 on their website as well stating that it was verified as accurate. Either Experian made an error when they issued their reply to my complaint, or someone is purposely not doing thier job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to update my credit report, even though they were informed by XXXX XXXX that the hard inquiry XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to Experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I called Experian to update my personal information. I notified the credit bureau that my name she be listed as XXXX XXXX XXXX and not XXXX XXXX. As of today, the company has failed to dispute the inaccurate information
Product: Mortgage

I recently refinanced my mtg from Freedom Mtg to Freedom Mtg. On my closing disclosure, the initial escrow payment at closing does not match what was actually deposited into my escrow account. I called the title company and verified that {$830.00} was the initial escrow payment at closing. Freedom Mtg only deposited {$480.00} which caused a shortage to my impound account, and now they are billing me for the shortage causing my house payment to go up. I have been trying to get his straightened out with Freedom Mtg since early XXXX.
Product: Debt collection

Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need two forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.
Product: Debt collection

Persolve has not provided a detailed explanation on the validity of this debt in writing. When I have called to address the matter, i have been transferred to people who only want to set a payment arrangement instead of proving the source of this debt. Additionally, they tried to bring a case but it was dismissed.
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX  Account # XXXX and XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I lost my purse with all of my personal items including my phone in the XXXX XXXX XXXX, shortly after I started receiving calls and emails about accounts and payments that are not mine. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account/credit line opened with XXXX XXXX is not mine and XXXX confirmed the debt does not belong to me. However the debt which reflects as a charge off is being reported to credit bureaus as negative.
Product: Debt collection

This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION PERTAINING TO THE FOLLOWING COMMERICAL PROPERTIES. THIS INCLUDES COPIES OF DEEDS, CORRESPONDENCE WITH AGENCY OWNER, ANY EVIDENCE REGARDING BLDG PURCHASE SUBMITTED BY XXXX XXXX, AGENCIES NAMES XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT AND BONDING XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX, XXXX GA XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a late open account that is still inaccurately reported on my credit report. Despite previous attempts to dispute and correct this issue, the account in question continues to be erroneously reported as late open. I request an immediate and thorough investigation to rectify this inaccuracy. I have previously disputed the inaccuracy of this account and provided documentation to support my claim. However, despite my efforts, the account is still incorrectly reported as late open. I kindly request that you conduct a comprehensive review of this account and correct the status to accurately reflect its current standing. The presence of this inaccurate information is negatively affecting my creditworthiness and causing undue financial hardship. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. This late open account should be corrected right away : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.
Product: Checking or savings account

I responded by phone to a mail promotion from Citibank to open a Citi XXXX XXXX XXXX Account. I used the personal invitation code provided in the document XXXX. The promotion offered a {$450.00} bonus on new funds over {$50000.00} that remained there for 60 days. The application was received by them for the opening of account XXXX on XXXX XXXX XXXX Funds well in excess of that amount were deposited on XX/XX/XXXX ( per statement ) remaining there until XX/XX/XXXX. I called several times inquiring when my bonus would be paid and on XX/XX/XXXX was told ( by XXXX ) I met all the requirements and would see the bonus in no more that 15 days. I then received a letter saying I did not open the right kind of account, although all I knew from the mailing was to open the account as titled in the mailing using the invitation code to qualify. I called to appeal speaking with XXXX ( XXXX ) and received a letter mentioning a promotion code not mentioned in the mailing. I called again to complain and again received the same letter. 
After 5 months of calling Citi for the {$450.00} I transferred the balance to another bank but feel I fully met the terms of their offer and am entitled to the bonus.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00}
Product: Checking or savings account

Company is practicing Retaliatory practices against my accounts for previous complaints filed by me they are denying legit claims and has not provided any evidence of what information they used to deny my claims it has surpassed the time frame on numerous claims that I was provisionally credited and the credit ( s ) have been unjustifiably reversed All claims that the company has reached out to me or weve came to a compromise or agreement in any regard of any complaints Ive filed are false they intentionally delayed response from emails and calls until the allotted response time has passed I want this company investigated and held accountable for their practices