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

On XXXX XXXX XXXX I opened a credit card with Bank of America ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and Bank of America had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail BofA would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called BofA and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with XXXX  and XXXX. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that BofA is telling me to contact the credit bureaus but then the bureaus are telling me to contact BofA to resolve this! 

My dispute date with XXXX  is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion Consumer Solutions** XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Formal Dispute of Inaccurate Information and Failure to Conduct a Thorough Investigation Dear TransUnion Dispute Department , I am writing to express my concerns and formally dispute your handling of inaccurate information on my credit report. Despite submitting a dispute regarding the following account ( s ), the investigation conducted was inadequate, and the inaccurate information remains unresolved : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a **reasonable reinvestigation** of any disputed information in a consumer 's file to determine its accuracy. However, I believe that the investigation you conducted did not satisfy this requirement. Specifically : 1. You failed to provide a thorough review of the evidence I submitted to support my dispute.

2. You relied solely on the furnishers response without fully considering relevant documentation or other available information.

3. The outcome of your investigation did not adequately address the inaccuracies I reported.

These failures are not only harmful to my credit profile but also violate your legal responsibilities under the FCRA. I have enclosed the following documents to support my case : - A copy of my credit report with the disputed information highlighted.

- Supporting documentation ( e.g., payment records, correspondence with creditors ).

- A copy of my government-issued ID and proof of address.

I request that you : 1. Reopen and thoroughly reinvestigate my dispute, ensuring compliance with FCRA standards.

2. Provide me with a detailed written explanation of the steps you take during the reinvestigation.

3. Correct or delete any information found to be inaccurate, incomplete, or unverifiable.

4. Send me an updated copy of my credit report reflecting the corrections. 

If my concerns are not addressed promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities or pursue legal remedies to protect my rights under the FCRA.

I expect your written response within the 30-day period required by law. Thank you for your attention to this matter, and I look forward to a resolution. 

Sincerely, XXXX XXXX XXXX ---
Product: Debt collection

Shortly after XX/XX/XXXX, I received a notice from XXXX XXXX XXXX about a medical debt from XXXX. I knew the debt was not mine. I called and tried to tell them that it was not mine. They were brief and said they could only send me a record of the debt. Their statement requested {$2100.00}. I told them they had the wrong person and to not contact me again. 

XXXX weeks late, I received a breakdown of the debt. It was a medical bill from XX/XX/XXXX. It was not mine. They listed my name, but had an address that I never lived at, a birthdate that was not mine, a phone number that was not mine, and insurance information that was not mine. Clearly, they have the wrong person. 

Today, I called them again to tell them to leave me alone and that they had the wrong person. I spoke with a supervisor, who insisted that I provide my actual date of birth and my social security number. I refused and said do not contact me again. She made no effort to resolve the fact that they had the wrong person. 

Also, their license number application is pending in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX collection was added to my account by XXXX for XXXX. I have had the same thing happen before for same amount and it was reversed, as XXXX when I contacted them said they dont know that company and I showed a screenshot of that one email to TU and they fixed my credit score XX/XX/XXXX I noticed it on my XXXX XXXX I made a fraud report and reported to TU and it was denied ( said the information was accurate on my report ) XX/XX/XXXX I never saw the email or anything and needed to wait to re-report it and I did and again it was denied when I showed them the email again and how last time it was reversed but still they said it was accurate.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX  XXXX, Account name : XXXX XXXX  # XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX. 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.
Product: Prepaid card

My payroll is advertised to be deposited up to two days early. My employer submitted my funds to RushCard yesterday. They advertise when you call on the automated system that they post funds immediately when funds are released to them. I called customer service to ask why my deposit is late as it shows by XXXX each pay date. I spoke with a rep at XXXX. to ask why it was late and she responded she does n't know why I would be worried my money was missing. I asked for a supervisor immediately and she would not transfer me. I asked for another rep and she hung up on me. Now im worried because this happened before and my hard earned paycheck is missing and I have been hung up on by the company who I trusted my money with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the following accounts have been in my credit report without my express written permission as required as part of credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I became a victim of identity theft in XXXX when my brother, XXXX XXXX XXXX XXXX : XX/XX/XXXX ), stole my driver 's license and social security card from my home. Using my personal information, he fraudulently opened credit accounts, resulting in significant financial loss and damage to my XXXX XXXX. Upon discovering this,! promptly reported the theft to the authorities, and my brother is now a fugitive. Despite providing police reports and identity theft documentation to creditors, my efforts to restore my credit have been unsuccessful.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX woke up to a string of emails from Wells Fargo saying your account has been successfully closed and your money transferred. 
We did not carry out this action so XXXX XXXX called the bank and was told that we transferred the money to another person the day before in person at a branch in XXXX. We currently live in XXXX XXXX for my job and on the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  arrived in Hawaii for a vacation so this clearly was not us. 
Wells Fargo did not seem to think this was an urgent matter as we still do not have our money back nor have we been contacted in any form by the bank themselves. 
XXXX XXXX  called again this week I believe on the XXXX and we were informed that a woman went into the bank branch and stated she was XXXX XXXX XXXX  ( we do t have a daughter ) and they allowed this woman to pull out someone life savings and close our account. 
Not only did Wells Fargo not follow their own processes and procedures, they have not been in contact with me the primary account holder who has been a member for 30 years. They show no signs of regret or responsibility for the actions that led to us to not have a dime to live off of for the past 2 weeks. Its criminal not only on this woman but also on the bank itself.
Product: Checking or savings account

I opened a new Savings account with EverBank in their website on XXXX  XX/XX/year>. In my online application, I also submitted all the required documents including my Drivers License and Social Security Card. After I submitted the application, I received an email from EverBank indicating that it will take 1-2 business days to approve my Savings account application.

However, it has been more than 2 business since I submitted my application. But so far my application status is still pending and it has not been processed or approved yet. 

I request EverBank to review and approve my application immediately without any further delay.
Product: Credit reporting or other personal consumer reports

I HAVE SENT SEVERAL DISPUTES IN THE MAIL. INCLUDING MY SOCIAL SECURITY NUMBER. TELEPHONE BILL AND PICTURE OF MY STATE ID. I KEEP GETTING A MESSAGE THAT THE INFORMATION APPEARS TO BE FROM A 3RD PARTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a po box for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested po box , which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. 
They need to be more truthful about receiving the information THEY requested.
Product: Debt collection

I was in XXXX for my honeymoon in XX/XX/XXXX. I rented a car from XXXX via XXXX from XX/XX/XXXX to XX/XX/XXXX in that same year XXXX XXXX ). I'm attaching that confirmation receipt. I don't recall receiving any traffic citations nor notices from XXXX during or after my trip. I now started receiving repeated phone calls and also received a written letter in the mail ( see attached ) from a group called Kehoe Financial Group. I spoke with them and they said they wan to " collect around {$500.00} '' but were willing to settle for " XXXX ''. I asked them what this was in regards to and they claim it is my trip in XXXX in XXXX. I told them I never received a notice from XXXX nor XXXX. They said they " didn't buy the debt but were collecting on behalf of the Municipality of XXXX ''. I asked they send me a document showing that if I paid that I would be " cleared ''. They didn't respond to that email and I continue to receive notices. I asked if this would damage my credit and they said " it might '' but they were underhanded and threatening. I tried looking this up online and there are many complaints of this being fraud and a scam. I don't know what to do and believe this is a fraudulent scheme given that Kehoe never showed me that if I paid this that I would be given a full release. Therefore, I'm reporting this as fraud given that I don't want my credit to be damaged if this is legitimate but I can't figure out a way to understand that payment of this would be legitimate for a citation that I may not have been made aware of. I also filed a complaint with XXXX XXXX a Car but they don't have a record of this reservation. It seems like they don't have records for their XXXX franchise dating back to XXXX when I rented a car from them. Lastly, please note that my name on the notice from the XXXX of XXXX ( attached ) is spelled incorrectly - it says " XXXX XXXX '' and my name is " XXXX XXXX ''. The collection agency changed my name to the correct spelling. This further leads me to believe this is fraud.
Product: Debt collection

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is totally XXXX up my credit scores!!! 
sorry for the language But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Product: Mortgage

Ref. : XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, Upland, CA. XXXX Servicing Company : XXXX XXXX , XXXX. - Loan Number : XXXX Current Lender : The Loan Store, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Original Lender : Owning Corporation Address : XXXX XXXX XXXX XXXX Suite XXXX, XXXX, CA XXXX NMLS Unique Identifier # XXXX. 
XXXX XXXX Endorsement # XXXX Dear Sirs. Greetings, with reference to the above mentioned loan that was initiated and completed by " Owning Corporation '' on / about XX/XX/XXXX, I would like to direct your attention to multiple Violations & predatory Lending Practices by the Lender and its ' employees via making intentional errors, omissions and negligence in fulfilling its terms and conditions : 1. On / about XX/XX/XXXX, " The Loan Store '' purchased the loan from XXXX XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

2. On/ about XX/XX/XXXX, " XXXX XXXX XXXX. '' was assigned to service the loan on behalf of The Loan Store with the same conditions and stipulations listed clearly on the Mortgage Note. 

3. On/ about XX/XX/XXXX XXXX XXXX  XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid in full, paid in advance!!! 

4. On/ about XX/XX/XXXX we sent TWO additional checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks!! Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

5. On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX XXXX XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note ( they did ultimately ), which indicates clearly XXXX Late Fees might be assessed at any time, late payment or otherwise. 

6. Up to the date of this note ; XXXX XXXX XXXX Failed and Continued to Fail in correcting the Mortgage Statements accordingly, even though they provided the Mortgage Note that contradicts their own statements!!! 

7. So far, we received several statements, all of them reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement ; in Violation of " Fair Debt Collection Practices Act '', and Fair Lending Practices. 

8. On/ about XX/XX/XXXX ; XXXX XXXX XXXX XXXX to us directly, indicating that they are only a Sub-services of the Mortgage Loan acting on the direction of the Lender, putting the blame, responsibility, and consequently all legal liabilities on the Lender The Loan Store, LLC .
Product: Consumer Loan

I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account number 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 U.S. Code 1681a- Definitions ; rules of Construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
Product: Checking or savings account

On X/XX/15 I deposited {$530.00} into a Wells Fargo ATM in XXXX XXXX XXXX, Iowa located at XXXX XXXX XXXX XXXX. When I deposited, it only counted {$70.00} of the amount. Knowing that was wrong, I immediately cancelled the transaction and went to retrieve my money. There was only the {$70.00} there. I called the toll free number located on the ATM. Assured that they would be able to retrieve my money, and would credit my account I left the location. On X/XX/15, my girlfriend proceeded to go into the branch to ask if a manager could pull video tapes of the transaction or if there was anything they could do at the location. She was told that only the claims department can handle this, not anyone in the branch. On X/XX/15 I was credited in the amount of {$460.00} and was told my claim was being investigated. I was also told that I would be updated on the status and contacted which did not occur. On X/XX/15 I received the attached letter in the mail stating they cancelled my claim, therefore taking back the {$460.00} credited to me. I immediately called the claims department and spoke with a worker there. They told me there was nothing I could do. I asked to be transferred to the fraud department to be able to check ATM footage when he told me that would not help because they do n't take cases like that. Out of options, I filed a police report but never received any contact from the police department. While on the web, I read about a similar situation and found this website through that. I 'm hoping a resolution can come out of this, even if it 's almost two years later.
Product: Credit reporting or other personal consumer reports

I have a charge off account with Mariner Finance That's has been paid and settled. This is still showing up as a charge off on my credit. Can you please remove this from my credit. I have received a 1099C.

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a balance reported of ove XXXX which is not mines. Reported by waypoint resource group. Collecting for XXXX.
Product: Money transfer, virtual currency, or money service

Paypal Credit took in the amount of XXXX per month after the account was under dispute and I was locked out of my account on Paypal. These went on for sometime and were not approved payments. Paypal has responded to complaints thru CFPB that the lasts payment was XX/XX/XXXX then denied the statement which is 100 % true. 
The company that bought paypal credit had no information to, make these withdrawals Making it even more of a crime for what XXXX has done. These actions cost me XXXX in over draft fees in XXXX and these XXXX monthly charges went on for a long time which is against the law. The paypal agreement that I was under is the XXXX agreement. 
I never used paypal after XXXX/XXXX I demand a full refund and overdraft fees in full in the next 14 days if no payment is sent in full I will retain a attorney and sue paypal in court for thriple damages, Breach of the contract and any punative damages awarded by the jury.