23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo foreclosed on my home on XXXX/XXXX/XXXX. The foreclosure was performed by XXXX XXXX XXXX a Trustee who went out of business in XXXX, this action was followed by the foreclosure attorney 's XXXX XXXX XXXX closing their office. However, Wells Fargo foreclosure department is still providing a non working telephone number for XXXX XXXX XXXX ( XXXX XXXX XXXX, this number was given to me when I called to request a rescission of my foreclosure. We applied numerous times for a loan modification with Wells Fargo Bank without any results. Months would go by without any response from Wells Fargo wherein, we would submit another application for a loan modification. Both my wife and I have never spoke with our Point of Contact XXXX XXXX despite numerous messages left for him in response to the letters we received from Wells Fargo Bank. We received a one XXXX 1 XXXX year loan modification from Wachovia in XXXX, for {$2100.00}. However, Wells Fargo did not accept the previous loan modification nor did they offer us any alternative as evidenced by their application of our mortgage payments. WFB sent a Notice of Intent to foreclose dated XXXX XXXX, XXXX, despite having received a mortgage payment in XXXX XXXX, and applying XXXX payment out of the unapplied funds. Throughout the loan modification process we do n't remember receiving a formal denial letter from Wells Fargo Bank. We have formally requested a rescission of the foreclosure executed on XXXX/XXXX/XXXX, however, Wells Fargo has responded that they could not do anything because the foreclosure was held on XXXX XXXX, XXXX? We have included a postponement notice which states that the foreclosure sale will be held on XXXX XXXX, XXXX. As a former Wachovia Mortgage borrowers and has XXXX members we were entitled to receive notice of the Class Action which we did not, and Wells Fargo was required to review our loan for XXXX as our loan amount was eligible for XXXX XXXX XXXX. All we received was the runaround and non communication from Wells Fargo Bank, till this day, we have no idea who the investor is or if the Trustee 's California location was open or functional at the time of the foreclosure. Please review WFB letters to us none of them make reference to our loan modification being denied on a specific date, this confirms the fact that we never received a formal denial.
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 : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent 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 item of information, other than records of convictions of crimes, 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 arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I have debit from the hospital and the hospital send me by company collection and never this company send any letter about send to me to credit report and I have plan payment we the company but they send to me to the credit report also this account was paid in full
Product: Credit card or prepaid card

A fraudulent charge was put on my credit card. The charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00} occurred on XX/XX/2022, but was not put on my account until XX/XX/2022. I called Citibank to dispute the charge. They cancelled my old credit card and reissued me a new card, but do not dispute the charge. I then did a chat online with the bank and they said they would dispute the charge, but again they did not dispute the charge. This has negatively affected my credit score and reduced my available credit.
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with XXXX XXXX, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.
Product: Checking or savings account

I am from XXXX and I was working in XXXX Washington DC XXXX XXXX XXXX for one year. I opened my Bank of America Account in DC in XX/XX/2019. I sent them an email but nobody answered me. 

I returned to XXXX and Bank Of America took from my account Monthly maintenance fee but right now due to corona and being in XXXX, I can not use my account right now. If they continue to take this fee from my account, My account will be - balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.I believe information in your file results from identity theft, I have the right to ask that a consumer reporting agency block that information from my file.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX  XXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute.

Unfair Negative Impact on My Credit Score : These multiple charge-offs have severely impacted my credit score, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the account.
Product: Payday loan, title loan, or personal loan

My son purchased a XXXX XXXX XXXX without a title. We went to DMV for advice/info.  They researched history and found a bank that was the last know lienholder of his dirtbike. XXXX XXXX XXXX. It turns out that this bank has been boughy out by Capital One. DMV asked that Capital One indicates in writing ( notarized ) that they either release the title or indicate they have no interest in the title. Capital One did this. However, DMV was not satisfied with the notarized statement of non interest from Capital One. DMV needs Capital One to release a disclosure of the bank and or banks they have bought out that may or may not be affiliated with XXXX XXXX XXXX or specifically thereof. I have contacted Capital One via phone and fax on nemerous occassions. Have been told that response time may take up to 30 days. I have paid DMV all fees and and I just want to get a title created for my sons XXXX XXXX XXXX XXXX to be legal.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a formal complaint against Equifax for their egregious violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). On XX/XX/XXXX Equifax has verified several inquiries on my credit report without proper validation, causing significant damage to my creditworthiness and financial well-being. 

Background : On multiple occasions, Equifax has verified the following inquiries without adequate investigation, violating my rights under federal and state laws : XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Violations : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), Equifax is mandated to ensure the accuracy and completeness of the information it reports. The negligent verification of these inquiries without proper validation processes demonstrates a clear violation of these sections. Equifax has failed to perform a reasonable investigation, causing significant and unjust harm to my credit profile. 

Truth in Lending Act ( TILA ) : The TILA mandates clear and accurate disclosure of credit terms. The inaccurate reporting and subsequent verification of these inquiries by Equifax obscure the true nature of my credit history, potentially misleading lenders and violating TILA provisions intended to protect consumers from deceptive lending practices. 

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : The FDUTPA prohibits unfair or deceptive acts in trade or commerce. Equifax 's failure to verify the accuracy of the inquiries and subsequent verification of inaccurate information constitutes a deceptive practice. This has not only damaged my creditworthiness but also violated my consumer rights under Florida law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX. 

In accordance with the fair credit reporting act XXXX, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation back.
Product: Debt collection

collection account reporting on my credit but i don't own any money to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector, XXXX XXXX  XXXX, contacted me out of the blue and claimed that I owed them {$530.00}. I refused to pay since I had no knowledge of them or the debt. They then reported to Experian that I was in " collection '', dropping my credit score XXXX points! This is extortion. I challenged it with Experian but they refused to accept my challenge. This outrageous conduct has to stop!
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. XXXX XXXX, Equifax. XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.
Product: Credit reporting or other personal consumer reports

I had the credit bureau 's to verify public records on credit report information they come back with a response that they have verified with the federal courts. Federal courts has sent a letter they do not verify with any agency. So it is clear for that matter you told a lie. A letter from the federal court is attached.
Product: Checking or savings account

In XXXX of 2024, I received a call from number that claimed they were a Chime bank representative. This person told me that my IP was compromised. They gave me information about my account telling me that someone had been trying to take money out of my account and my money needed to immediately be moved to a secure savings account. Once I realized that the person was not an actual representative, I immediately contacted the bank and told them about the situation. For about a month they had an entire investigation meanwhile telling me that it was not my fault and that I was eligible for a credit back to my account. I sent all the proof I could send in order to receive my money back however they kept delaying my refund and closing the dispute. This bank did absolutely nothing to keep my money secure. They did as best as they could to just dismiss my situation.
Product: Credit reporting or other personal consumer reports

I received a notification on XX/XX/year> that someone had applied for a credit card in my name with XXXX XXXX. I immediately called XXXX and reported it as fraud. I was provided with case number XXXX and told the hard inquiry would be removed from my credit as the request was fraudulent. 

It is now XXXX and the hard inquiry is still on my report. I called XXXX XXXX back on XX/XX/year> and was told that they did everything required on their end to have the fraudulent credit inquiry removed and again provided with case # XXXX. I was told to follow up with XXXX. 

I called XXXX on the same day and they opened an escalated case to reach back out to XXXX to determine what happened. I was told I would hear within XXXX business days a determination. I was provided with case # XXXX by XXXX. 

I called XXXX back on XX/XX/year> as I have not heard anything from XXXX. I was told by the rep I needed to file a CFPB report in order to have the inquiry removed. I was not happy with this as I reported the fraud and XXXX did everything necessary to have the inquiry removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX BANK # XXXX. 
Account XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, 08/11/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( 561 ) 800-8001 REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX