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

Also see CFPB Complaint ID XXXX I, XXXX XXXX XXXX issued a check # XXXX ( from my XXXX XXXX XXXX account ) in the amount of {$60000.00} payable to XXXX XXXX ( Wells Fargo customer ). On XX/XX/XXXX, XXXX XXXX Wells Fargo account was credited {$60000.00}. On XX/XX/XXXX, my XXXX XXXX  account was debited {$60000.00}, as my check had cleared. Straightforward transaction, end of story, so I thought. 
Over two weeks later, XXXX XXXX informed me that check # XXXX was returned unpaid, and {$60000.00} was deducted from her account, causing a {$59000.00} overdraft on her account. Wells Fargo also informed her that her accounts will be closed if she does not deposit money to replace the funds. She has been in contact with Wells Fargo customer service on multiple occasions and each representative has provided a different explanation and remedy. Per Wells Fargos request, both XXXX XXXX and I have faxed over a notarized Proof of Issuance, and confirmation that check # XXXX was paid and debited from the issuing bank account. 
After all of this, on XX/XX/XXXX, XXXX XXXX received a legal copy of check # XXXX in the mail as returned unpaid item from Wells Fargo. As of today, XX/XX/XXXX, {$60000.00} has not been returned to the issuing bank ( XXXX XXXX ), and XXXX XXXX account is still overdrawn. These puzzling Wells Fargo actions have caused unnecessary complication and wasted time/effort for all parties involved. XXXX XXXX has been gracious enough to further investigate to help resolve the issue.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  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 an 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: Checking or savings account

Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX Ca XXXX Check amount {$1100.00} was deposited into my Visa Card XX/XX/XXXX. This money was taken out of my checking account on XX/XX/XXXX. Wells Fargo Bank said " It was a returned check. '' Wells Fargo bank has tried to cash this check twice. Dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  cashed the first check and denied the second check. Wells Fargo owes me back to my checking account {$1100.00} back to my account. The XXXX XXXX tried to help me and the bank is giving them the run around. The XXXX XXXX told me to get in touch with you. My case number with the XXXX XXXX XXXX  is # XXXX. I also went in person and showed proof to the bank that they took my money out of my account without putting it back. I have made several phone calls to the bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XX/XX/2024 ], in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint. 
Experian failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that Experian : Reinvestigate all items contested in my initial CFPB complaint. 
Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed and attached FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in your initial investigation. 
Under FCRA 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires Experian to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available. 
If Experian is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that Experian promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 
Experian must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting Experian to liability for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX  : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any eviderice of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. my wallet was stolen when I was on vacation and somebody got my personal information and open a number of accounts in my name, and the credit agencies are reporting these false claim. I have attached my FTC report listing all the negative accounts they are reproting.
Product: Debt collection

To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. 
I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U.

Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hi i have a mortgage and i was in forbearance for a few months and I tried paying every month but i see i have late payments on my credit report. I am trying to refinanced and I can't because they said i have to many late payments on my report but I wasn't supposed to have late payments on my report from a forbearance. please help me get all these late payments off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

This letter serves to inform you that you have made an unauthorized use of our copyrighted name and symbols in your operation.I demand that you immediately cease the use of such identification on your campus of any association with Velocity Investments , LLC. I demand that you desist from this or any other infringement of my rights in the future, referenced under the United States
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting 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
Product: Debt collection

XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month.
Product: Debt collection

The Law Office of Rory W. Clark is attempting to collect on a debt which has been deemed a matter of ID Theft by both XXXX XXXX XXXX ( ID # : XXXX ; XXXX : XXXX ) and the XXXX XXXX Police Department ( I.D. # XXXX ). Furthermore, upon my own discovery, the said law firm has demonstrated to be the subject of several lawsuits against them which casts doubt on the legitimacy of its claims : XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I searched deeper into my credit reports and I discovered even more egregious violations of the FDCPA the FCRA by the CRA, Transunion LLC.. Transunion LLC is just standing by with a blind eye allowing & enabling these rogue preditatory debt collection agencies just destroy peoples ' lives with impunity because they know Transunion will not hardly delete anything even it's illegal behavior. Examples below : 1. ) Transunion is allowing XXXX XXXX XXXX ( aPhantom unlicensed debt collector ) and XXXX XXXX XXXX Plus ( a Phantom unlicensed original creditor ) just keep an illegal debt-parking scam acct # XXXX 
on my credit reports for ( 4 ) four years even though I proven factually in writing that this fraudulent acct # XXXX needs to be deleted due violation ofFDCPA & FCRA 2 ) Both ofthese companiesknowingly lack licenses to operate in GA. when they illegally placed this fraudulent acct # XXXX on my credit reports!!! I brought evidence in writing for that also.. 
3. ) Transunion LLC knows that XXXX XXXX XXXX pretended to be an attorney when wrecking credit with these violations & They still wouldn't delete this acct # XXXX!! 
4. ) Transunion LLC is well aware of the fact that " XXXX XXXX XXXX '' is a " fake '' name original creditor name it has no license to operate in GA! 5 min look on GA. Secretary of State website shows anyone that fact!! 
5. ) Transunion LLC knows that these 2 Companies illegally increased their " fake '' collection amt from {$8000.00} to {$10000.00}!!! 
Transunion LLC is well aware of all these issues are violations of the FDCPA & the FCRA!! Transunion should be neutral and siding with the truth but they are not!! 
CFPB and FTC please help with these Bullies ...
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I currently have multiple loans with navient. On multiple occasions I called navient looking for options to help me pay my loan balance. They only offered forbearance as an option. After I used all of the forbearance that I had available they then offered me a payment plan which would lower my interest rate. The rate reduction program is a joke because the idea is for your rate to gradually increase each year. When I started the rate reduction program my payments were somewhat affordable. Now my payment has increased even though my overall financial situation has n't changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written to XXXX XXXX XXXX many times and they are stating that what they are reporting to bureaus is incorrect i even have received letters from them, but when i fax or upload or even mail the same document to experian, they do not update their end. XXXX and XXXX have already updated through their end but experian has not and does not. therefore i decided to make a complaint to you in order to get results, please have this issue resolved, i would greatly appreciated. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. The reason for the inaccuracy is listed with each account. This is inaccurate and needs to be corrected immediately. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Sent validation request and have not heard anything back in over 30 days and its still showing up on my debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries XXXX. XXXX/XXXX  - XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Debt collection

I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX
Product: Debt collection

I BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN COMPROMISED WITHOUT MY KNOWLEDGE OR CONSENT. ALONG WITH FRUADULENT ACTIVITIES AND TRANSACTIONS. AND UNAUTHORIZED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.
Product: Credit card or prepaid card

Today, Friday XX/XX/19, I received a notice that my credit limit was reduced at citibank. This is the third time my limit has been lowered, and it seems that every time I make a substantial payment, Citibank engages in this " balance chasing '', which has a negative effect on my credit bureau report. 

I filed a CFPB complaint concerning my treatment the last time this happened, and I asked whether it was possible to reduce my interest rate or do anything else in lieu of the higher limit. They did not make any sort of concession other than pulling my credit again to try to see if it hit their criteria for restoring it, which it did not. 

Also in the context of that complaint : creditors are aware that the debt-to-income ratio on both individual lines and the overall profile are a very large share of FICO scores. Citibank showed utter disrespect for the authority of the CFPB by making an utterly farcical statement that they could not predict the outcome of lowering my limit to within a small amount of my current balance. 

I decided to close my account. As a final slap in the face, the rep told me that I would forfeit the small amount of cashback on the account, because I was closing it. The rep also told me today that I would not be eligible for any sort of hardship program if I closed the account. At this point, I'm treating this as damage control. They can't raise the interest rate again if I close it.