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

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

Several fraudulent transactions were charged against my account totaling over {$2000.00}. The fraud occurred between XX/XX/XXXX and XX/XX/XXXX. I filed a claim on XX/XX/XXXX and another one on XX/XX/XXXX. Citizens Bank refunded me {$480.00} on XX/XX/XXXX, which was for the second claim. Later I found out they denied my first claim but without an explanation. I made multiple calls to Citizen 's claim department only to be told they could not provide any details but would have someone from the fraud department call me back. After three attempts and no response, I went to my local Citizens branch and was told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was asked if I had requested a Cashiers Check that was being cashed. This check was issued on XX/XX/XXXX. I immediately contacted Bank of America and was told that I had to wait for the transaction to post before doing anything else. I called again on XX/XX/XXXX and went through the motions of creating the complaint. I had to wait until the next day to get my money back. I was suggested to freeze my account which I did and my payments started to bounce. I opened a new account and I'm still in the process of contacting pay to 's to change my information. I'm concerned how somebody was able to get a cashiers check at a branch. They either had a cloned ATM card, an ID or a combination of both. How far is this fraud going? what is the extent of it?. Bank of America told me that they will not provide any more information to preserve the branches security. Therefore XXXX cant open a police report. There is no method inside the bank to move my transactions or to accept certain transactions. Bank of America actually charged me {$30.00} to cancel the fraudulent Cashiers Check but this charge was refunded because I'm a preferred customer... I'm concerned about the integrity of my accounts and Bank of America is not providing any information. Their investigation is internal. I don't know the pay to in the cashiers check : XXXX XXXX. Whoever tried to cash the check signed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts 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 account is 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. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Checking or savings account

I order groceries through XXXXXXXX XXXX  I never received the order. Any parts of the order! Driver never came to my door but stated they made the delivery. Was on the phone with XXXX for several hours & I can provide proof. XXXX stated they can not give me a refund due to not enough evidence. The evidence is the picture the delivery driver posted as my order. It should have been a picture of the {$170.00} grocery order in front of my door instead it was a picture of a white blank screen. I filed my claim with the bank advising them I did not receive the order & provided all the evidence. Bank wrote me a week later stating if they dont receive supporting documentation they will close my case. I call the bank & asked if they had my supporting documents & I was advised yes. I proceeded to submit it again, just in case. A week later claim was denied. I reopen the claim & was advised that they will attempt to reach out to the merchant XXXXXXXX XXXX XXXXXXXX. After waiting the allotted time I was advised by a supervisor my claim was denied again & I asked about them speaking with the merchant or visa as I was advised that is what theyre waiting on to go forward with my claim. Supervisor advised they did not do any of those actions. I asked for a reason why my claim was denied & havent received it. The emails I do receive the link doesnt work & Ive called to asked for help with it or a paper copy sent via mail & they advise they will do it & dont. I have been denied again. Ive tried to go to the police they stated it was a civil matter. I dont know what to do almost {$180.00} dollars worth of groceries was stolen from me & my family & no one is helping to get my money back. The economy is bad & that sent me back because I actually had to spend more money to buy food for my family or we would have starve which cause me to be behind on bills currently. In times like this something like that can really impact someone back & XXXX or my bank have not tried to help. I really need assistance because I didnt receive any part of that order & I have proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my Experian credit report to make sure the information was accurate and noticed a ton of inquiries that I did not make. Experian makes it fairly easy to dispute information through its online services which I have used before to dispute inaccurate information and was successful, however the website did not allow me to dispute the hard inquiries online, but instead prompted me to call. I called and spoke with a representative. I told her that I wanted to dispute the inquiries on my credit report. I had already been in touch with some of the companies that made the initial inquiry and was unsuccessful. I relayed this information back to experian to see if i could go ahead and dispute through them and the answer was no. The representative told me that they do not dispute inquiries unless I had a deletion letter from the company that made them. I received absolutely no help from them whatsoever and do not know what to do ... 

The inquires that are in question is XXXX XXXX XXXX XXXX auto ( several inquiries ) XXXX XXXX XXXX XXXX XXXX credit XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts : 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 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 agenecy can not furnish a account without my written instructions.
Product: Mortgage

Notified Loancare mortgage company of home insurance rate premium decrease and requested Escrow re-analysis on XX/XX/XXXX. Was told that would be processed and I would be notified. I did not  receive communication, therefore, I called and was told on XX/XX/XXXX that the re-analysis resulted in a monthly payment reduction ( they told me the amount change - which was expected by my calculation ). At that time, was told that my auto draft from my bank account on XX/XX/XXXX might not reflect the reduction due to timing, but that the correct payment would be deducted by the next payment. However, on XX/XX/XXXX the previous amount was deducted. I called after XX/XX/XXXX deduction and was told that an escrow re-analysis was performed but someone did not check a " button '' to change the auto draft. The customer service rep stated that they fixed the issue. Then came XX/XX/XXXX, the previous payment amount was once again auto withdrawn from by bank account. I called and spoke to a customer service representative on XX/XX/XXXX who stated that an escrow re-analysis had not been performed ( mind you, I had already received information that it was & the new payment requirement in XX/XX/XXXX ). I  asked to speak to a supervisor. The supervisor told me that the insurance premium might not have been communicated to them. However, it already had been in XX/XX/XXXX and the company told me what the new amount would be. The supervisor said she needed to get in touch with the XXXX XXXX office and would get back with me within 48 hours. It has been 4 days. I have called, today XX/XX/XXXX and had to leave a voicemail with the supervisor. I just need my monthly payment to reflect the decrease in my insurance premium, however, this company is clearly unable to process this appropriately and I am paying extra money each month due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including XXXX. The loan XXXX from XXXX we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with Equifax ( both me and my husband separately ), but Equifax upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from XXXX. 

Since we are not getting any help from XXXX XXXX, XXXX or Equifax, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stole my identity and took out 4 cars in the state of New York and New Jersey and it wasn't me, I'm denouncing that it's a fraud against me
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, i mmediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital Accounts continues to harrass me regarding a bill I do not owe. I have never went to XXXX XXXX office in my life. They provided me with a bill from 2016 which shows me nothing but my new address of the home I literally just purchased, I did not live in PA in 2016. The bill they sent just have the date of service and my NEW ADDRESS. This is crazy how they are trying to use this to validate the debt. They need to remove this negativity reporting from my credit file.
Product: Debt collection

For the past few weeks I have received multiple calls from Portfolio Recovery Associates, LLC. The calls are coming from many different numbers and I have politely asked them to not contact me. Today I received a letter from them and the Merchant listed is XXXX XXXX or XXXX XXXX XXXX XXXX. I have never had an account with either of these merchants. This collection agency is also calling relatives and others discussing the debt.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 to be removed/updated. 

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.

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!
Product: Vehicle loan or lease

U.S. auto sales repossessed my vehicle not even past due. I paid for gap insurance my car was totaled they are still requesting the fees through west lake portfolio. Which is affecting my credit and ability to get a new car.
Product: Checking or savings account

To Whom It May Concern, I am writing to express my deep frustration and disappointment with how Wells Fargo has handled my account, resulting in significant and unnecessary inconvenience for both my father and me. 

In XXXX, I have moved to state of XXXX. I informed Wells Fargo that I no longer wished to be associated with my fathers account, which I had stopped using entirely by the end of that year. At the time, I was told that I could only remove my debit card information and that my father, as the primary account holder, would need to take further action to remove me from the account. My father attempted to do so, but the issue was never resolved. 

Recently, Wells Fargo froze my fathers account due to an address discrepancy tied to a XXXX XXXX XXXX temporarily used for a few months from XX/XX/XXXX to XX/XX/XXXX. This XXXX XXXX was never provided to Wells Fargo, as I had already ceased using the account by the end of XXXX. Additionally, all of my addresses have been Louisiana locations, and it is baffling that Wells Fargo would rely on outdated information from an address I used only briefly and never provided to the bank. The fact that Wells Fargo latched onto this outdated information from an account I no longer use, and then created additional issues for my father by freezing his account, is both unacceptable and unjustifiable. 

As a result of this freeze, my father is now facing a three-day wait period for Wells Fargo to update my address. During this time, he can not access his account to pay his bills, and his direct deposits are being disrupted. This delay is causing significant stress and financial strain, all because Wells Fargo failed to properly address my request to be removed from the account in XXXX. 

Adding to this frustration is the requirement for both my father and me to visit a branch together to resolve this issue. I live in Louisiana, where there are no Wells Fargo branches, and the nearest branch is in XXXX, Mississippi, XXXX miles away. Wells Fargo suggested that I either visit a branch while in my hometown of XXXX XXXX, NY, or walk into a branch at the same time my father does, regardless of where I am located. This is a completely unreasonable request and an extreme inconvenience, especially given that I have not been an active user of this account for nearly XXXX years. 

It is also concerning that Wells Fargo may have relied on outdated federal mailing information, despite my having consistently updated my address with all relevant entities since moving to my current residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2014 we had a fire disaster in our Apartment Unit at XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. XXXX XXXX   XXXX XXXX destroyed because of the disaster. I contacted XXXX about the disaster and the damage. They temporarily put a stop on services and got reconnected service two months later when we moved into our new Apartment. 

I never had any more communication with XXXX on the damaged modem which was because of the disaster. 

In reviewing my Equifax Credit Report i found out that the modem is listed as derogatory mark. I have tried several times to get this matter resolve with XXXX to no progress.
Product: Credit card or prepaid card

I called XXXX, after getting the telephone number off their website on the computer. I talked to a guy who told me that I was over-charged for item / items and I '' ve an refund coming to my account. He told me he had to do a remote sharing on my computer with me to deposit the refund. When he was on my computer, he started down-loading XXXX Gift Cards ( {$60.00}, {$40.00}, {$30.00} ) XXXX 'XXXX  amount {$130.00}. Chase says the amount is {$160.00} is what's owes? I went to Chase Bank office twice, once in XXXX and once in XXXX of 2020. Back in XXXX I talked to a banker at the bank who told me not to worry about it I did not have to pay it and gave me a print-out of XXXX- balance. That night I checked my Chase/XXXX   account that said XXXX- balance, I also recevied a letter from Chase saying " The Fraud Department rules in your favor in this matter, this is XX/XX/2020. In XX/XX/2020 I received a letter from Chase informing me that I owed {$160.00} for the purchase of XXXX Gift Cards. I went to Chase Bank, talked to the Banker a second time along with his boss about the matter. They said " they don't know why this is happening to me? " At this point, it's time to get some Third Party Assistance, CFPB.