23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a 3 billing errors in the total of {$1700.00} on my account. The amount was unauthorized by me because Ive called on XX/XX/XXXX and specifically requested to delete the authorized user on my account and I clearly mentioned that I dont want him to use my card limit starting that day. Your Associate confirmed that he deleted him and he no longer can use my card limit. I called your customer service on XX/XX/XXXX to inform them that I was surprised with 3 different transaction made on XX/XX/XXXX & XX/XX/XXXX for the above mentioned total! all they can offer me is an apology for the mistake that my account was not blocked from the beginning as requested by me and that they can not do anything about it. I am requesting that the error be corrected, that any finance and other charges related to the amount be credited as well, and that I receive an accurate statement. 

Enclosed are copy of my statement showing the highlighted transaction that were made after my request. Please investigate this matter and correct the billing error as soon as possible as I believe we would avoid all this situation if the bank just processed my request. Please note that Ill be  submitting a copy of this letter to the CFPB. 

Sincerely,
Product: Checking or savings account

Wells Fargo Claim : XXXX I am really in shock that I have been notified the credit I received on XXXX XXXX is being taken away XXXX XXXX. This claim needs to be reopened immediately. I never received my order/ any of the merchandise I paid for from the merchant Reformation from my order totaling merchandise worth {$2100.00} posted to my account XXXX. I received a terribly packaged and damaged, empty shipping box covered in yes you are reading this right, XXXX!!! XXXX!!!!!! Human XXXX XXXX. I am still in shock over this, I sent all of the documentation to the company at the time and will attach it to this email because the fact I can not get my money back after not receiving the goods I paid for and having to handle a box soaked in human XXXX is absolutely insane. My apartment has no street access or way inside the building so this was entirely of the fault of the company and shipper. I had to go get a blood panel and XXXX tests run in XXXX because I fell severely Sick and questioned whether it had to do with that XXXX. This is insane and this needs to be reopened and reviewed. Images attached. I am filing claims over this with the CFPB and OCC and plan to close all of my Wells Fargo accounts after this. I never even received a letter from yall asking for more documentation. I actually have no words. Wells Fargo granted me a credit of the amount on XXXX XXXX and I just received a letter in the mail from them saying they are taking it back XXXX XXXX with no other info after radio silence for the last month and never allowing me to send them documentation or support of any kind. I have since emailed them all of this documentation of the situation that I originally sent reformation after they failed to make the situation right originally, and have tried multiple times to call but can never get through. This needs to be made right and Wells Fargo needs to back me considering all of the evidence I have.
Product: Debt collection

I have XXXX XXXX XXXX  on my credit report for {$390.00} of a debt that is not mine I sent them a validation letter in XXXX and never heard anything back however they are refusing to remove this from my report
Product: Credit reporting or other personal consumer reports

I submitted a dispute against XXXX XXXX XXXX XXXX with all 3 credit bureau agencies and Transunion is the only agency that will not delete the information from my credit report. I asked them to provide proof that I own the account or that the debt listed was verified and I did not receive any information yet I can no longer dispute it. XXXX and XXXX have deleted this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Amex/DSNB Account # XXXX, XXXX XXXX Account # XXXX and First Centennial/DOVEN account # 310146has violated my rights. 

1

5 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as
late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with REAL TIME RS ( Original Creditor : XXXX XXXX  XXXX XXXX  ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, REAL TIME RS ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a credit card with a balance of XXXX, 150 days past due and closed. The credit card is with SC XXXX XXXX XXXX. 

This is incorrect. This card was paid in full on XX/XX/2017 and closed on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was going to wait until XX/XX/XXXX before submitting another complaint. On XX/XX/XXXX, I submitted a CFPB complaint ( IDXXXX ) and XX/XX/XXXX, Transunion stated that they were opening a dispute. I called and it was determined that no dispute was opened. 

At this point, I should sue them but I am trying to save my money during this pandemic. They are incorrectly reporting information and degrading my credit score. 

In XX/XX/XXXX, I requested for Transunion to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Transunion responded that they verified the account. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I advised in my last complaint that I was told by a Transunion representative that this was all done electronically and that they do not have to provide the method of verification. 

After filing the complaint with CFPB, I never received a method of verification of how they verified the account. According to the FCRA, they have 15 days to provide from the receipt of request. We are well past 15 days. 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Transunion is reporting this tradeline as account status = " Repossesion '' and payment history is accurate. And they have re-aged this trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX & XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax Auto Finance is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet Carmax is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the three credit reporting agencies. Carmax is falsely reporting inaccurate information on this account which is negatively impacting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems getting my credit reports
Product: Credit reporting or other personal consumer reports

I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Product: Credit card

I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.
Product: Debt collection

Daughter was transported to a higher acuity hospital from local hospital in XX/XX/year>. given a face sheet from hospital with correct billing information, insurance etc. I was also with patient and gave all requested information for billing. I have not received any communication since and insurance paid 100 % of all hospital visits so assumed ambulance was covered as well. Patient had XXXX insurances and out of pocket max was met. XXXX XXXX  never billed primary insurance, sent all bills and communication to incorrect address and then sold debt to debt collectors. Received info that I am being sued and insurance will not pay due to being XXXX years ago. Bill is for more than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 or other personal consumer reports

This account was charged off on XX/XX/2021 and since then the close date has been inaccurate across the XXXX and Experian bureaus. A charged-off account should reflect the accurate dates across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account no. XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit card

You said do not include Social Security Number! Capital One has had my account for well over 10 years. I have always paid my charges in full, have an outstanding credit score and multiple Capital One accounts. I was sent a letter they were instructed by the government to verify certain information. I did everything except the TIN and or Social Security number -- which I told them I would not over the phone!! Since there were no changes since they first issued the card I thought that just telling that there were no changes would suffice. The person on the phone was very rude and said if I did not give them my SS # they would close my account -- which they have or as they said they have restricted my account -- I can not use it. 
If I select a file to attach it will have the account number etc, which your instructions are not to send.
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 correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove the fraudulently furnished information on my credit report after receiving proof of resolution via CFPB case # XXXX by XXXX XXXX. Which stated the company agreed to have this line of credit completely removed off my credit report of as XX/XX/2022. As a result of Experian 's refusal to remove this charge off, I have reasonable cause to believe Experian is purposely restraining trade of commerce by ruining my consumer reputation and financially benefitting from trading my personal information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  credit bureau was pulled by  XXXX  on  X/X/16   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Huntington bank for a XXXX XXXX XXXX from my XXXX from my trust in my nameSocial Security trust and all my personal information is a trustBut however I received a letter that just said contact them and XXXX because they denied me access to my on credit stating I dont qualify for my own creditsBecause of my credit reportI told them that is discrimination which it is and they told me that its nothing they can do about it. 

So Im so disgusted by this bank for telling me that I am not worthy of my own credit.

Federal reserve notes are not for me and its not back by anythingSo I am very disappointed in this company and they have broke oath and violated there fiduciary duty to my trust. 


Truth in lending act Federal Reserve act Privacy act Banking act I will not be denied my own credit as a creditor I applied for this loan I have XXXX XXXX in the bank and will not allow DISCRIMINATION FROM THIS BANK How can they deny me my own credit The US is bankrupt XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX Re : Demand to Comply Dear Sir/Madam, I am writing to dispute the inaccuracy of information on my credit report, as provided by your bureau. The discrepancies pertain to the following account : Creditor Name : XXXX XXXX Account Number : XXXX I have reviewed my credit report, and I have identified that the late payments associated with this account are inaccurate. 
I am requesting that these inaccuracies be removed immediately as the agencies are not complying with their policies promptly. 
By the FCRA, I am also requesting that you provide me with copies of any documentation or verification related to the disputed items. This includes details of how the information was collected, processed, and recorded. Please provide any information you have about this account. 
I kindly request that you send me a copy of my updated credit report once this dispute is resolved. 
Thank you for your prompt attention to this matter. I understand the importance of accurate credit reporting, and I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Mortgage

We were working with XXXX XXXX with US Bank on purchasing a second home in XXXX After getting pre qualified through XXXX with a 3.25 % interest rate we signed a contract for a home. We sent over the ratified contract to XXXX to lock in our rate and get the ball rolling on XX/XX/2021. On XX/XX/XXXX, XXXX 's assistant introduced himself and started requesting all of our financial information, personal info etc. On XX/XX/XXXX I asked a question, no answer. I reached back out on XX/XX/XXXX and XXXX shortly replied stating that XXXX would have to answer my question. I never heard back from XXXX so I followed up on XX/XX/XXXX, XXXX again replied and ensured me that XXXX would get back to me that day. Never heard from XXXX so I followed up on XX/XX/XXXX. XXXX didn't reply until XX/XX/XXXX when he said " There was a recent change in lending industry for 2nd home and investment property and regrettably I will not be able to give you the rate we originally quoted you, the rate for 2nd home is currently 3.625 % due to this new change ''. So I called around other lenders including US Bank and they informed me that this change wouldn't go into effect until XX/XX/XXXX. So I called XXXX 's XXXX XXXX XXXX and he informed me that if XXXX locked in my rate like he should have back on XX/XX/XXXX that this change would NOT have any effect on our loan or interest rate. XXXX XXXX cost XXXX {$20000.00} with this higher interest rate, he cost us valuable time for our closing and he also hurt our credit due to our new lender having to do another hard credit pull. Now XXXX 's XXXX is ignoring my calls and voicemails and won't call me back.