23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a shared account with Wells Fargo a few weeks ago and I have now been informed that the account is being closed without any reason. I have requested to know the reason why I am no longer allowed to bank with Wells Fargo and they have refused to give me a reason. I feel like I am being discriminated against. I do not feel that Wells Fargo would have closed an account without reason on just anyone. I am a single mother of XXXX children earning a XXXX XXXX XXXXXXXX XXXX salary and it is difficult for me to hire a lawyer to fight this discrimination. I want to be able to have an account with my partner who currently banks at Wells Fargo. I want to be able to know this " reason '' so that I can rectify it. There is no reason that I should be barred from banking with Wells Fargo and if there is a reason, then I should be told what the reason is. I would like the reason why I am no longer allowed to bank with Wells Fargo or I can only assume that it is a discrimination against low income single mothers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about XXXX years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A dispute to both experian and XXXX for removal of all five of the student loan accounts from XXXXXXXX XXXX XXXX XXXX as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and experian refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$4800.00} XX/XX/XXXX XXXX  XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX ***************** {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything
Product: Payday loan, title loan, or personal loan

I have been ill and I tried to get help from my employer to help with bills. They do not help with this and so I had gotten an offer on line from Zaco Loans. They explained that this was a pay day loan intended for short term and I understood however, the percentage rate is so high and I thought I could pay it off. I did however in order to do that I ended up getting another payday loan and then their payment is so high I ended up renewing with Zaco and now I feel like I am in this terrible circle of just trying to cover these payments and still having trouble with my regular bills. I have contacted them and they said there is nothing they can help me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am now requesting more information from the credit bureaus about these specific accounts in question because I am not comfortable that enough was done to actually contact the creditors who are reporting these details on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXX Balance Owed : {$1800.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to notify me when the items have been updated or removed. Once this has been accomplished, I need the Credit Bureaus to forward me an updated copy of my credit report to the address provided.
Product: Credit card or prepaid card

On XX/XX/2021 a fraudulent charge for XXXX {$200.00} gift cards was put on my credit card. Previously in XX/XX/2021 the same thing happen and it was cleared up in XX/XX/2021 in my favor. I did not make this last purchase. I had XXXX check on it and they said it was cleared up in my favor. I heard nothing from Synchrony bank for XXXX months. Then i get a bill for {$580.00} for these gifts cards. They also ruined my credit which stayed around XXXX to XXXX have filed with XXXX and the bank again and not heard from them yet.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an issue with TransUnions handling of a debt reporting and the failure to provide necessary documentation regarding the debt in question. 

I am disputing a charge that is currently listed on my credit report, which was placed there by a collection agency that now reportedly owns the debt. The debt stems from an apartment complex where I was renting, but I am not in agreement with the amount being reported. I was told by the apartment complex that my rent was {$1400.00} per month, and I should not owe the inflated amount being reported by the collection agency. However, the collection agency has reported this debt at {$3600.00} for XXXX month 's rent, which is inconsistent with the terms of my lease agreement. 

Key Issues : Lease Agreement and Transfer of Debt Ownership : A TransUnion representative informed me that the lease agreement between myself and the apartment complex no longer applies because the collection agency now " owns '' the debt. They claimed that the lease terms I had with the apartment complex are irrelevant to the debt being reported, as it was transferred to the collection agency. 
This explanation is concerning because it contradicts the principle that the collection agency must prove the debt is valid and that they have legal authority to collect it. The collection agency has not provided proof that this inflated charge is correct and enforceable, nor has it validated the original debt terms from the apartment complex. 
Failure to Provide Documentation : Despite multiple requests, TransUnion has failed to provide me with documentation showing that the collection agency has provided the correct and lawful validation of this debt. 
I have asked TransUnion for proof of the original debt that they claim is owed and for documentation from the collection agency showing how they arrived at the {$3600.00} amount. TransUnion has not supplied me with this documentation, nor have they informed me about the details of what the collection agency provided them. 
Impact on My Credit Report and Housing Search : This unresolved issue has been on my credit report for over XXXX months. As a result, I have been denied housing opportunities, as apartment complexes have refused to accept my application due to the reported balance. 
I am requesting that TransUnion either provide the necessary documentation to validate the debt or remove the charge from my credit report, as it is negatively affecting my ability to secure housing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction. This was also medical situation making it a HIPPA violation.
Product: Credit reporting or other personal consumer reports

Recently I obtained a copy of my credit report and noticed the following collections with Experian that I have not given written instructions to third parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b - Permissible Purpose. Please understand that no consent is considered identity theft. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN TWO BUSINESS DAYS. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX -account # XXXXXXXX XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX -account # XXXX XXXX XXXXXXXX -account # XXXX
Product: Debt collection

Cavalry Portfolio Servic is reporting that I owe {$3500.00} to XXXX. I called XXXX, who I never had an account with and tried to find out what was going on. XXXX checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. XXXX said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to XXXX as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the three major credit reporting agencies ( XXXX, Experian, and XXXX ) for failing to properly investigate and resolve credit/account disputes in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I have disputed inaccurate information on my credit reports secondary to identity thefts with all three bureaus, but they did not conduct a reasonable and thorough investigation as required by law. As a result, the inaccurate information remains on my credit reports, causing harm to my credit score and financial well-being.15 U.S.C. 1681c-2also known as FCRA 605Bis a provision under the Fair Credit Reporting Act ( FCRA ) that relates to the blocking of information on a credit report that is the result of identity theft.The credit bureaus must block the fraudulent information from your credit report within 4 business days of receiving your request and supporting documentation which they have not done so.
Product: Mortgage

First part of XX/XX/2020, I applied for a mortgage. NFCU sent me a denial letter and asked for it to be signed and returned back electronically. The decision states I owe obligations to others and something related to income which may be debt to income related. However, the information is so vague and I needed more explanations. I called and spoke to a representative who informed me NFCU didnt pull my full credit report as I asked for a copy of the report to try and obtain another lender. NFCU stated they didn't have it. I asked for NFCU to help me understand the decision with more detailed explanation and they refuse to help me.
Product: Debt collection

XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Product: Credit reporting, credit repair services, or other personal consumer reports

From mid XXXX of 2022 to early XXXX of 2022 Equifax just admitted that they gave false scores to millions of people due to there technical difficulties and I was affected. As a citizen and consumer of the United States Of America I have been crippled on qualifying for loans. My claim is under law by consent and privacy for the consumer. 15 US code 1681 under Congressional findings and Statement of Purpose under ( a ) accuracy and fairness of credit reporting under number 4 states, There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding innaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practices violates the Fair Credit Reporting Act ( FCRA ) 15 USC1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPB 'S recent administrative proceeding ( File No. -CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX I want reported accounts removed
Product: Debt collection

I recently pulled my created report and found accounts I have no clue about. One in the sum of {$2300.00}. I do not recall I owe this debt.
Product: Vehicle loan or lease

I called in XXXX of 2020 for an extension, due to being a XXXX XXXX XXXX  going to an unpaid internship. The extension was not processed. I called back again XX/XX/2020. It was still not processed. They said they would and never did. Now they are saying my car is in repossession status. After I've called n spoke with everyone including a manager. I'm a XXXX  XXXX  in college. The extension was suppose to be for two months. Now I'm two months behind on top of that I have late payment fees, two negative post on my credit bureau report saying I'm delinquent saying my score has dropped 45 points. I've not had a delinquent account in over 4 years. I'm furious and I will hire a lawyer if need to. This is absolutely ridiculous. I will go threw all platforms of reporting a company until someone fixes this situation. This is unfair and horrible customer service. I'm an active XXXX  who prior to these two months have been serving the community during the pandemic and I've not missed one beat of payments. I'm very upset. I feel disappointed and disrespected and not valued as a customer.
Product: Bank account or service

SunTrust violates Section XXXX of the Federal Trade Commission Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) by engaging in unfair billing practices related to incoming wire transfers. SunTrust disclosures do not fully inform customers of the {$15.00} incoming wire transfer fee and marketing materials furnished to the consumer on account opening do not disclose the service fee. 

On XXXX XXXX, 2016, SunTrust charged my checking account a {$15.00} service fee for a domestic, incoming wire transfer ( Fedwire ). The size of this service fee is excessive, causes substantial injury to consumers, is not outweighed by the benefit to consumers, and the consumer can not reasonably avoid the injury. 

The consumer can not avoid injury because they are not made aware of the service fee ahead of time and SunTrust exercises complete discretion is setting the charge. Please see the bank 's email message to me ( attached ). SunTrust writes, " All service charges depend on banks [ sic ] discretion. '' Allowing SunTrust to impose charges based its " discretion '' is arbitrary and capricious and unfair to consumers - particularly when that discretion is not clearly communicated to consumers in marketing materials and annual disclosure statements. Additionally, such discretion increases the risk of disparate impact and illegal discrimination. 

Please investigate SunTrust for violations of Section XXXX of the FTC Act as it relates to " discretionary '' service fees charged to checking accounts.
Product: Credit card or prepaid card

On XX/XX/2019 I submitted payment electronically to TD Bank USA N.A who is the finance company for the Target Card. On XX/XX/2019 the payment posted to my checking account and the funds were electronically withdrawn by TD Bank. On XX/XX/2019 I reached out to the bank to ask why if the funds had come out of my account have they not applied the payment. I was told to either wait or I could in a conference type call with them, we could call my bank and with them on the phone listening to my conversation have the bank state funds were debited and they would credit my account. Its now the 9 so 10 days since payment was paid and TD Bank still is refusing to credit my account unless I contact my bank ... I really feel like this has to be borderline illegal ... Please help
Product: Mortgage

Crosscounty mortage LLC left open permit on my house, after i closed on a fha loan. The old owner left permit open XXXX from XX/XX/XXXX for a reroof and XXXX windows, that never was completed. I brought the house in XXXX XXXX. There was also a fire that was never reported. The appraise was done in one day, and the house dosent look like the picture that on the net. Also from the old owner not fixing the roof, i have XXXX demages from the roof note being right. Also nail are coming out of the roof, and the whole house has water damage from the roof installation is wet from the roof. The ceiling and wall are swelling, cracking. The floor are real oak wood that the old owner glued together, and now the floor is caving in, and the foundation has moved caved too. There mold in the kitchen from cabinets that they pained. There a mold smell in one of the rooms.I from appraise, and home inspection, but didnt get the until after we closed. There was a flood were the pipes bust.I talk to my loan person, and crosscounty didnt care. Also the electrical box is on the ground, and i have electrical problems all through the house. Also my barn structure is about fall down, and it has electrical problem as well. This a fha loan. this should have happened. Only been in the house 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis Nexis several times in reference to a reported bankruptcy. I filed a complaint with CFPB and after Lexis Nexis replied it was closed. THe reply from Lexis Nexis was in the WRONG PERSONS NAME! How can something be verified if Lexis Nexis doesn't even have my name correct?! This bankruptcy needs to be removed from my report! The source of verification is XXXX which is a inaccurate and undependable source! I am intitled to a name, address and phone number of the PERSON verifiying. Bankrupty courts do not verify bankruptcies, so the ONLY acceptable outcome is for this inaccurate, unverified,  bankruptcy to be removed. This reporting is in violation of my Fair Credit Reporting Act rights!