23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022, at XXXX XXXX, I received a text alert from Wells Fargo informing me of multiple withdrawals. I opened a new Wells Fargo business checking account under XXXX XXXX XXXX. I was supposed to receive a business debit card in one envelope and the pin in a separate envelope. I never received the items, however, it's also worth noting that my mailbox isn't secure and it's easy to take someone's mail without using a key. I called immediately when the incident occurred. Though the bank stopped the second and third withdrawal attempt, the suspect was able to takeout {$300.00} from their first withdrawal. I disputed the transaction, however, Wells Fargo denied my claim because the suspect had both pin and card. According to Wells Fargo that there's no way for anyone to steal these envelopes since they are mailed separately and that the only possibility is that either I did it or someone whom I knew did it. I requested to get a new card and pin, and I filed a police report to dispute their claim. And now I've come to CFPB to submit a formal complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate this accounts : Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

data sets related to inputting of accounts were not XXXX XXXX Compliant payment status data listed is mismatched, compared to other credit For the following hard inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE XXXX
Product: Credit reporting or other personal consumer reports

I have identified information on my credit report that are a result of identity theft. These items and or transaction were not initiated by me.
Product: Mortgage

This financial institution NationStar Mortgage LLC, has sued me in a foreclosure in which I have asked for a validation of that debt in which the institution assumes to be the representative of XXXX XXXX XXXX   XXXX XXXX, Trustee, on my property which I have asked to be the institution supposed to be the account creditor, I have requested, as you have obtained this note and mortgage, I want your department to intervene in questioning the operation of this financial institution NationStar Mortgage LLC, since this institution was fined in the past by your department for numerous federal and state violations regarding the procedure of becoming account owners in an inappropriate manner, not following the federal laws and regulations of the finance department that requires you to comply with the law, such as RESPA, TILA, where the procedures for obtaining consumer accounts and respecting all procedures must continue to apply. established by federal law of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) EXPERIAN has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. EXPERIAN has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. EXPERIAN has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and EXPERIAN has not complied accordingly. This leads me to believe EXPERIAN ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY
Product: Credit reporting or other personal consumer reports

LexisNexis need to take a look at in my driving record inside my XXXX  report This wrong dates is two violations happen the same date : ( The " Wrong " date is XXXX ), 1- Wrong date XX/XX/XXXX : license or credentials violation 2-Wrong date XX/XX/XXXX : XXXX  XXXX, This two violations happen the same date on ( XX/XX/XXXX ) for some reason unknown you guys reporting that this incident or citations happened the same date but you guys sending out misleading information to insurance companies etc. so you guys should do the necessary research and correct this error because insurance evaluate day customers for they driving record and this error has cost me XXXX XXXX XXXX and is just not right for me to be going through this when i didnt do anything wrong so please fix this information the Right date is XX/XX/XXXX i will leave an XXXX  attachment from the actual XXXX XXXX XXXX XXXX XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX This are court documents statements that shows and confirms the right issued dates of this both violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account on my credit report are misleading and false. Experian, XXXX  and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and notice several inaccuracies on my account. This account is hurting the ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2016 I made my first payment to XXXX XXXX owner of XXXX XXXX XXXX. I paid him {$6500.00}. XXXX started work on my house on XX/XX/2016. I reluctantly made a second payment of {$9800.00} on XX/XX/2016 on my BOA credit card.. I felt uneasy because the second payment was supposed to be made after completion of the drywall which was only 75 % done. That payment was supposed to be after drywall was complete. On XX/XX/2016 was the last time XXXX or anyone from XXXX XXXX XXXX  was at my house. He never came back to finish the job I already paid him for. I called, text and emailed many times with no reply. 
On XX/XX/XXXX I called and disputed the charge. I explained to Bank of America that I needed to dispute the {$9800.00} right away. I explained to them there was also a charge for {$6500.00} that I wanted to partially dispute because he never finished the work from the first down payment I gave to XXXX XXXX XXXX. 
On my XXXX statement I received a partial credit for {$3200.00}. I still don't know where that number came from. I guess the person from BOA I spoke to misunderstood me. 
To be clear I am disputing the full {$9800.00}. I am also disputing {$2300.00} from the {$6500.00}. I sent BOA and estimate ( like they asked ) from another licensed contractor XXXX XXXX showing how much work was completed from my first deposit of {$6500.00}. They estimated that about {$4200.00} worth of work was completed total by XXXX XXXX and XXXX XXXX XXXX. 
BOA just kept giving me the run around. I sent them many emails and texts between myself and XXXX XXXX. 
They still refused to credit me. Since then I have not received a letter or anything saying I still owe that money. Not until I went to refinance recently did I realize it is on my credit report. This is why I'm making this complaint so long after the fact. I still have copies of emails, text and contract from XXXX XXXX owner of XXXX XXXX XXXX discussing this matter. XXXX since then has claimed bankruptcy so I am unable to go after him personally. Please help me clear this up. This guy XXXX is a crook. He took that last payment of {$9800.00} knowing he was never coming back! 
I appreciate your time and help on this matter. You can call me anytime for more information at XXXX XXXX XXXX. Or email me at XXXX. 

Sincerely XXXX XXXX
Product: Bank account or service

I began this investigation because I received a letter from Bank of America stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Bank of America and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. BoA states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is BoA going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that BoA can provide to me as a valued customer. This issue will not be resolved until BoA can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered resolved.
Product: Mortgage

My husband and I have a VA mortgage through Navy Federal. We filed for bankruptcy in 2020, which was dismissed. Navy Federal 's app updated yesterday. I tried to access the mortgage section to schedule XXXX 's payment. I was denied access to our mortgage account. I called Navy Federal, assuming it was an app glitch. The representative told me neither my husband nor I am allowed to view our own mortgage account due to us filing bankruptcy, even though our house was not included in it. In order for us to have anything to do with our mortgage information, we have to call them or go into a branch. On top of that, we can no longer schedule payments after the XXXX of each month. 
We are being denied access to information that is vital for our life and liberty.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). The account in question, reported with the number XXXX XXXXXXXX, contains multiple inconsistencies and errors that have not been addressed despite their impact on my credit history. I am requesting immediate removal of this account from my credit report. 

Identified Inconsistencies 1. Date of Opening : TransUnion reports the date of opening as XX/XX/XXXX, which does not match the information reported by other credit bureaus. 

XXXX. Last Reported Date : The last reported date is inaccurately listed as XX/XX/XXXX, reflecting inconsistent and unreliable updates. 

XXXX. Payment History : The payment history section is completely blank, failing to provide accurate or complete information as required by law. 

XXXX. Payment Status : The account is marked as " Unknown, '' which does not accurately reflect the actual status of the account.

Violations of the Fair Credit Reporting Act 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to use reasonable procedures to ensure maximum accuracy of the information included in my credit report.

2. 15 U.S.C. 1681i ( a ) : TransUnion failed to provide complete and updated information, violating the obligation to ensure the accuracy and completeness of consumer credit reports.
Product: Credit reporting or other personal consumer reports

This company sent an itemized list of charges and items that are not mine and I did not sign a contract with the company that is reporting that I owe them. 15 U.S. Code 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), regulates how debt collectors can communicate with consumers about debt collection. The law states that debt collectors can only communicate with consumers if they have the consumer 's prior consent or a court order. Debt collectors can not communicate with consumers at inconvenient times or places, and they must stop communicating if the consumer requests in writing. Debt collectors also can not communicate with third parties without the consumer 's consent.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for an account with basically perfect credit with Capital One. They pulled all three credit agency reports and denied by card because of a single inquiry on one of the credit reports. I asked for a reconsideration, got the same form letter with the same explanation. 

Obviously, my credit scores have been slightly damaged by this for nothing in return. I'm not sure if I am being discriminated against for some other factor, but I have be unable to get a response from the company to identify why a single inquiry on a single credit report with XXXX scores, clean payment history, and low percentage of credit card usage is being denied. If I can't get this card, who can? Unless some other discriminating factor is at work, which I believe there almost has to be at this point. 

On XX/XX/XXXX, I spoke with a supervisor that couldn't offer me additional information on why someone XXXX with my scores and background would be declined.
Product: Credit reporting or other personal consumer reports

XXXX Sent a letter to Transunion asking to investigate DEPT OF EDUXXXX  account XXXX-Another letter sent to Transunion in disagreement requesting a reinvestigation of account after information came back verified XXXXTransunion indicated information was updated and a change was made on my report based on my dispute XX/XX/year> Another letter mailed to Transunion specifying issues with report and payment history after their reinvestigation. 

XX/XX/year> Transunion failed to update and correct information after proof was provided of late payment inaccuracies and all XXXX credit agencies reporting mismatched information.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

I know that Under 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- ( 1 ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX  ACCOUNT # XXXX
Product: Checking or savings account

Was denied retrieval of funds by bank rep/teller by   XXXX   XXXX    XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.
Product: Credit reporting or other personal consumer reports

My ex-wife took out several loans and CCs in my name, at no time was I aware of any loans and certainly didn't apply for any. I talked with representatives from all companies and verified my name and SS was used but it was with her email and phone number. One loan company performed an investigation and quickly concluded that it was absolutely fraud. XXXX refuses to perform an investigation even after providing proof and letters from the Federal Trade Commision requesting an investigation, and to have the loan removed from my credit history.
Product: Checking or savings account

Td bank offered me the debit card advance. I enrolled days ago and it took till yesterday. The bank told me keep trying every day that it's the computer that will issue the funds. So I tryed it yesterday. They said it was only one transaction that it would allow! I took out XXXX. Then I tried it again it let me do it 3 more times. I had major XXXX 3 weeks ago and it left me in a hard financial times. Now I'm negative in my account! I'm XXXX so every XXXX helps! And they were supposed to take it out of my account when I get my direct deposit next week. I don't know what to do now?
Product: Debt collection

XXXX XXXX XXXX repeatedly uses the phone to annoy me and by mail. Misrepresentation of amount owed. They have lied about government representation. Left voice messages threatening my arrest. Threats to forward account to an attorney. Left voice messages for me to meet them to be served papers. Left voice messages at my job about me going to be arrested, debt owed, etc..
Product: Checking or savings account

It has been multiple time I would receive a refund or funds to my account but I would not get it or it would say it was pending and the other company would tell me my funds had been refunded and released and Wells Fargo would hold and I never saw them but it looks as if it was returned. Ive addressed this but with no avail just a sideways explanation that it was returned in my account when I know that it may have looked that way but I never actually recieved the funds
Product: Credit reporting or other personal consumer reports

Applied for a place to rent and a 3rd party company pulled my credit report, said it was over a XXXX points pass than my actual score and I got denied.