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

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries :
Product: Mortgage

XXXX XXXX Wells Fargo Bank N.A. I am filing this complaint against Wells Fargo Bank N.A. regarding unethical practices, violations of the FCRA, and attempts to illegally foreclose on my property. Below are the details : 1. Background Information I purchased my home located at XXXX XXXX XXXX, XXXX, NY XXXX, using a VA loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX. Later that year, Wells Fargo Bank N.A. became the servicer of the loan. However, the deed of trust was signed solely by me. 2. Transfer of Property In XX/XX/XXXX, I conveyed the property to the XXXX XXXX IRREVOCABLE LIVING TRUST and received the deed to the property from the XXXX XXXX XXXX XXXX. After this transfer, I revoked Wells Fargo Bank XXXX XXXX XXXX Attorney via IRS Form XXXX and sent the bank a revocation of security interest, signatures, and revocation of sale via registered XXXX mail. 3. XXXX XXXX Unlawful Actions Despite no longer holding any agreements or mortgages with me, Wells Fargo attempted to sell my property in XX/XX/XXXX for half its value. The bank continues to report foreclosure activity on my property to consumer reporting agencies, damaging my credit and violating the Fair Credit Reporting Act ( FCRA ). Wells Fargo is also filing tax documents as if they are the original issuer of the mortgage, which is a misrepresentation of their role as a loan servicer. 4. Unethical Practices Wells Fargo has engaged in unethical behavior, including : Attempting to foreclose on a property they have no legal claim to. Misuse of my personal information in reporting false foreclosure activity. Filing misleading tax documentation. Resolution Requested I request the following resolutions : 1. Wells Fargo must immediately cease and desist from all foreclosure attempts on my property. 2. Remove all false foreclosure reports from consumer reporting agencies. 3. Provide written confirmation of their lack of claim to the property and issue a formal apology. 4. Reimburse any financial or reputational damages caused by their actions. Supporting Evidence I am prepared to submit documentation, including : Proof of property transfer to the XXXX XXXX IRREVOCABLE LIVING TRUST. XXXX records of mailed revocations. Evidence of false foreclosure reports from consumer reporting agencies. Tax records showing Wells Fargos misrepresentation. Please investigate these serious allegations against Wells Fargo Bank N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was talked into sending XXXX twice XXXX total via XXXX by a scammer in purchasing christmas football tickets for my son. we texted he walked me through everything and once I sent 2nd XXXX he hung up and blocked my # I understand I did it, I understand XXXX has no remedy like XXXX XXXX etc. However I do not understand how knowing exactly where the money went that the bank of the receiver or sender does not remburse and take away from the reciever. 
XXXX TO XXXX ON XX/XX/22 REF # XXXX CONFIRM. {$200.00} XXXX TO XXXX ON XX/XX/22 REF # XXXX {$200.00} Again I understand that I was duped, but how is this not traceable and refundable. I sent one he exlained I needed to send another with a mem on it and the 1st would be removed. My bank is Wells Fargo I love them, I am not happy I was scammed and not happy that with reference # 's this can not be traced and returned. XXXX said name was XXXX
Product: Money transfer, virtual currency, or money service

I want my derogatory payment to be financed in my bank I dont know what and how to address it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX L SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC 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 L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

XX/XX/18 amount of {$41.00} and same day same merchant, charged again for {$240.00}. 

I traveled to XXXX. 
XXXX, to be exact. 

I was on my way home and decided to check my bank account, i had two charges, that i could not account for and did not make sense. 
One was for {$41.00}. The other was for {$240.00}. 
Both came from the same merchant, that was also described as transport, our family rented a car so i know didnt pay ANY transport fees. My partner dropped me off at the airport! 
On top of this when i called in they said this transactions were for a merchant.. they asked if i bought goods?!? I was traveling that day! Also, how is a merchant labeled transport AND charged in XXXX XXXX when i in fact was in XXXX at the airport. I have a baggage fee posted on my acct to confirm i was indeed in XXXX and traveling that day!
Product: Credit reporting, credit repair services, or other personal consumer reports

DiscoverCard is breaking the law again! DiscoverCard is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

DiscoverCard is maliciously coding my account! Delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I haven't had access to my funds for almost 3 months. I have ordered 5-6 replacement atm cards and they never arrive. NEVER. I haven't had access to my money for way too long. I can't pay my bills, I can't eat. When I call I can't even understand the people on the other line. Very poor customer service. Even when you are really nice, they will put you on hold till you hang up, transfer you without warning to the wrong department, or make promises that never materialize. It's extremely frustrating. How hard is it to mail an ATM card to someone? It should only take 2-3 days. Meanwhile, they keep charging me monthly fees, XXXX $ for replacement cards, and won't let me transfer these funds to my bank account or any other account. How does this company exist? This is theft by deception. I need my money and they make it impossible to obtain it.
Product: Money transfer, virtual currency, or money service

Cash app, never had some one to call incase a improper payment, or withdrawn was made, with or without your permission. No one responded, and I have lost hundreds through this app.
Product: Credit card or prepaid card

I received a letter from Bank of America that they closed my card-without ANY indication why. The card has a XXXX dollar balance. However, I never received any notification that they were going to close due to inactivity ( if that is even the reason ). I called Bank of America on XX/XX/19 and they said they can not tell me why but they are going to send me a letter. This is very concerning. 1. Closing a customers account with no notice. 2. Not initially providing a reason why on the closure letter. 3. Still can not disclose information and have to wait another two weeks. Closing a consumer card impacts the consumers credit. If it is for inactivity I have NEVER heard of a card company providing notice to allow the consumer to be active on the card and prevent the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the Consumer Finance Protection Bureau with legal action to follow.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry that was made into my credit report please delete. 

Inquiry date : XX/XX/year>
Product: Credit card

I had my credit card stolen from my home while I was on vacation and there was a transaction for {$3700.00} on my statement that I noticed when I arrived back home. The merchant is XXXX # XXXX. I filed the fraud case, but Wells Fargo denied it for no compelling reason. When I spoke to the agent on the phone, he did not provide any information as to why my claim was denied. Card was stolen and now that charge is back on my account. Im not paying for this.
Product: Debt collection

I discontinued getting teeth cleanings with XXXX XXXX XXXX in 2011 and had full coverage health insurance with XXXX XXXX while going to them. I was told by XXXX XXXX XXXX that nothing is owed and my insurance covered all my work and furthermore they would not do work before receiving payment or processing my insurance, so this claim by Radius Global Solutions is false.. I told this company this and asked for proof. Company has not responded to the requests. I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original dental contract, and proof of payments with cancelled checks, as well as proof they are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove from my XXXX  credit report before taking legal action for fraud. I have also contacted the credit bureau for an investigation.
Product: Bank account or service

On XXXX XXXX 2016, I lifted my credit freeze successfully by internet, with XXXX and XXXX. Per the credit bureaus policy, we were required to pay {$10.00} to each bureau to do a temporary lift from XXXX XXXX to XXXX XXXX 2016. Now : I then tried to lift my credit freeze with XXXX by internet and the website stated to contact XXXX. I figured that I did something wrong so I tried three times. Each time I submitted the request, XXXX denied my lift request stating that I need to contact XXXX. On XXXX XXXX 2016, I contacted XXXX and explained the issue. They transferred me over to a representative to handle my request. On XXXX XXXX 2016, I checked my bank account online and found that XXXX charged my debit card XXXX times in the amount of {$10.00} each, a total of {$40.00} and was pending on XXXX XXXX 2016. On XXXX XXXX 2016, I contacted XXXX an notified them of what had occurred. They stated that I need to speak with personal solutions. The representative then transferred me. At XXXX, I left a detailed message with XXXX personal solutions and requested them to call me. As of XXXX XXXX 2016, XXXX failed to contact me regarding the XXXX charges that I did not authorize. On XXXX XXXX 2016, I rechecked our bank account online and found that Wells Fargo Bank N/A has now changed our statement to reflect that XXXX charged our debit card XXXX {$10.00} payments on XXXX XXXX 2016 instead of XXXX XXXX as documentation reflects. On XXXX XXXX 2016 at XXXX, I contacted Wells Fargo Bank and filed a complaint, claim # XXXX. I complained about the XXXX extra charges from XXXX that were not authorized and that Wells Fargo changed our bank statement postings. On XXXX XXXX, these charges were pending transactions. Then Wells Fargo changed these transactions to XXXX XXXX reflecting pending transactions. The question is, did XXXX commit fraud by over charging us? Also, why did Wells Fargo Bank change our pending transaction dates? We have a printout of our account on XXXX XXXX and XXXX XXXX 2016 for documentation! Willing to provide the documentation if needed!
Product: Debt collection

XXXX, XXXX I am reaching out to you regarding your XXXX XXXX XXXX with XXXX XXXX XXXX. Your current unremitted receipts balance is {$8500.00} and is due in full immediately. 

We have not heard from you since the default event, and would like to discuss some options for repayment. In the event that we are unable to contact you within the next few days to discuss this issue in a civil manner, we have elected to move forward with a review for litigation, pursuant to our clients rights outlined in the Agreement. If you have spoken with someone in our office and made arrangements, please disregard this email. 

We would like to extend a final opportunity to resolve the debt. Please contact our office immediately upon receipt of this email to discuss repayment. Once litigation has been filed, we will be reluctant to negotiate with you. As indemnitor for the advance, you are responsible for ensuring that it is resolved in a timely manner to avoid litigation. Feel free to contact our office to discuss this further. 

XXXX XXXX Lost Prevention Specialist Global Solution Biz, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Ext XXXX ( XXXX ) XXXX direct XXXX XXXX
Product: Mortgage

Hello, I own a house and have a FHA loan from Umpqua bank but I am not currently behind with the loan yet but as the paande If continues and situation at my work is been getting tight. I wanted to seek help to refinance my current loan. My Kia always lender bank is not listening to my issues and saying theres no help from federal to help us. 

XXXX. XXXX
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to lodge a formal complaint against Goldman Sachs Bank USA concerning my Apple Card account, which was opened on XX/XX/XXXX. 

Following the opening of this account, I did not receive any copy of the Apple Card Customer Agreement, which is required to contain key information about my account such as the terms of interest on new purchases, details regarding the prime rate, the arbitration provision, and other important terms and conditions. 

To my understanding, this may constitute a violation of the Truth in Lending Act ( TILA ) and the Credit CARD Act of 2009. These Acts mandate that credit card issuers provide clear and conspicuous disclosures of the account 's terms and costs to the consumer. I believe the non-disclosure of such important information has deprived me of my right to be fully informed about the financial product I have purchased. 

The lack of disclosure has resulted in an unfair and deceptive practice that hampers my ability to make informed decisions regarding my finances. I hereby request the CFPB to investigate this matter, enforce necessary actions against Goldman Sachs Bank USA for any potential violations, and ensure my rights as a consumer are upheld. 

I am prepared to provide all necessary documents and records in my possession to support this complaint. 

I appreciate your time and consideration of this matter and anticipate your prompt response and resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report, leaving unresolved accounts that remain inaccurate or unverifiable. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for systemic violations, including its failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to properly notify consumers about the outcome of their disputes. These issues reflect my experience with XXXX, as they have not corrected or removed disputed items despite the supporting evidence I provided. This ongoing failure continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction constitutes a violation of federal law and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXXBalance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights under 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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: Mortgage

As a result of my home owner bill of rights being violated I never received a approval or denial. I was forced into filing BK ch XXXX to stop Nationstar from taking my home from me. Had I dealt with a team of people that knew what the other one was doing my file would have made it to underwriting.I never just had one point of contact. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.