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

I was recently notified that my personal information was included in a data breach and to check my credit reports. I noticed inaccurate personal information and contacted all three credit reporting agencies to correct this misinformation with a letter showing the inaccurate personal information and included a copy of my driver 's license and a electric bill with my address as instructed by the CFPB website. I then received an email from response Experian stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX 

After receiving this email I attempted to call the number they provided and it's a recorded loop that's takes you a round in a circle and you can not reach anyone. So I sent them another letter confirming my identity, sending my driver 's license and utility bill again, and asking them to remove the inaccurate personal information they are reporting. 

Experian then sends me the exact same email again! I don't understand why they're refusing to remove the inaccurate personal information when twice now I've sent them all of my information and documents to prove it's me. Following the advice from the CFPB website I am filing this compliant in hopes that they will take action on my behalf.
Product: Mortgage

Breach of confidentiality. My name and email address were shared with other leads by a mortgage sales person who didn't know how to securely and privately send emails. This again occurred when the message was " recalled '', which only works on internal email systems.
Product: Mortgage

Loan Closed XX/XX/2021 I was not able to qualify with the Builders Lender. 

All income and asset docs were submitted to the Lender along with my offer letter detailing my compensation. I was advised by the loan officer that my differential income ( production bonus ) would be treated as " commissions '' for the purpose of averaging my income. 

Egregious errors were made by the Mortgage Company in regards to calculating my income showing my earnings to be less than half of the actual income. It was presented to me that I had to sell my house and pay off a car loan in order to qualify. I was able to obtain financing and closed as scheduled without those conditions. It not only cost me extra in Rush fees, but I also lost the incentives listed in my contract. My loan was underwritten in accordance with XXXX XXXX guidelines as a XXXX loan. The mortgage company should have been able to do the same and approval should not have been contingent on the sale & settlement of my house + the payoff of a car loan. 
o I was given additional options due to an accommodation given by the Builder to address Contract issues. The incentives were more than the additional options, so it appears to be a claw-back. 

I contacted the XXXX XXXX XXXX & XXXX XXXX for resolution. The XXXX declined to make any adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquires were placed on my credit report without my consent, Ive tried to remove them with the company but they refuse to remove it, could you please assit me in removing these inquries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I decided to file a complaint against Equifax because they have not deleted the fraudulent information that I have requested them to remove. 

They have sent me a dispute result wherein is stated that the information disputed was successfully deleted but it is not reflecting on my report. There is also a variation of a social security number on my credit report which I have no idea where it is from and I'd like them to correct it before I get more problems regarding my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX , CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!
Product: Credit card or prepaid card

On XX/XX/XXXX, I responded to an online offer on the XXXX XXXX website ( XXXX ) for a new CitiBank AAdvantage card Platium Select with " XXXX bonus miles with {$3500.00} spent in the first 4 months. '' I achieved the {$3500.00} spent on XX/XX/XXXX. I was put in the " XXXX bonus miles with {$2500.00} spent in first 3 months. I contacted XXXX XXXX, customer service supervisor of XXXX XXXX and she identified this error and said that Citi Bank would need to correct it. After speaking with XXXX on the Citi customer service line XXXX XXXX, XXXX, he agreed that I was placed in the incorrect plan. He gave me an email address to send the timestamped screenshot I have of the offer I responded to. I did this. I also spoke with XXXX, CitiBank supervisor on XXXX XXXX and she gave me an additonal email address to send a jpg of the screenshot etc. ( XXXX ). I did so. Today XX/XX/XXXX I received a USPS letter ( in response to my XX/XX/XXXX email to them ) stating I was ineligible for the offer because I was sent an account opening email with the offer restated. I have 3 emails from them NONE restate the offer! 

I have since learned that this has been going on with CitiBank XXXX XXXX Advantage card since at least XXXX.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2023, I noticed a large check ( {$27000.00} ) had cleared that day through my bank, XXXX XXXX XXXX. When I clicked on the check, I did not recognize the recipient or the address. Then I noticed the font was changed. I immediately realized this check was changed and forged and deposited into a Wells Fargo bank in Pennsylvania. No account number was written on the back of the check. 
Realizing this check was deposited less than 24 hours prior, I emailed my Personal Business Banker at XXXX and called their Fraud Department to report this. The Fraud Department told me I needed to complete several pages of paperwork, which they will mail to me. 
I completed it all and immediately faxed it back to XXXX. I felt that valuable time was lost. I feel this would have been quickly settled had they only contacted Wells Fargo the day the check cleared in my account. At least they could have warned Wells Fargo that an inquiry was being made. 
As of today, Wells Fargo has not answered the 2 attempts that XXXX made in contacting them regarding this claim. 
My company is too small to just let {$27000.00} get stolen when I check my account on a daily basis for fraud and theft. 
I filed a complaint on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo contacted XXXX and asked for information the same information that XXXX originally sent to Well Fargo. XXXX responded to this request on XX/XX/XXXX and sent them everything they requested. 
Wells Fargo followed up with 2 letters to me. These letters contain a phone number that does not work and the name XXXX XXXX When I get through to Wells Fargo on another phone number, no one has any idea who this XXXX XXXX is and needs a last name. 
Please help. How can a bank be so corrupt? 
Thank you
Product: Credit reporting or other personal consumer reports

1.Caine and Weiner opened XXXX XXXX for XXXX I do not recognize this account or have no knowledge of this account. 
As well as another account with Caine and Weiner opened XX/XX/year> for XXXX that i have no Knowledge of this account
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo regarding unauthorized enrollments in various insurance products, as well as excessive fees charged to my account without my knowledge or consent. I was an account holder with Wells Fargo from XXXX until XXXX and have experienced significant financial and emotional distress due to these actions.

Throughout the period of my account ownership, I discovered that I had been signed up for accidental death insurance and other products without my authorization. These products were added to my account without my consent, and I was charged substantial fees for services that I neither requested nor approved.

Moreover, during this time, my account was also impacted by credit card fraud and subsequent debt collection actions. Despite my efforts to resolve these issues, I was not informed about the unauthorized products and the associated fees, which contributed to my financial difficulties.

As a consumer, I find this behavior by Wells Fargo to be deeply concerning and unacceptable. The unauthorized enrollment in products and the excessive fees have caused me undue hardship, and I believe these actions are in direct violation of my rights.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Wells Fargo for their unethical practices. I am seeking full restitution for the unauthorized fees of {$10000.00}, as well as any other applicable compensation for the distress and financial impact this situation has caused.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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

I disputed this XXXX XXXX XXXX  account from my credit report about 3 years ago that appeared as some joint account. To my surprise Equifax has reinserted it to my credit report with out no warning also they didn't give me a letter 5 days after reinsertion. which is in clear violation. I feel like this was an attack on me due to me first contacting the CFPB last month about another issue. Now they are targeting me and if this doesn't resolve it I will definitely file a lawsuit against them here in XXXX County because of this. 

In accordance with the requirements of the FCRA as stated below, *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Product: Debt collection

On XX/XX/year> a notice was sent to Aldous & Associates via email, and two phone calls were made as well. The subject was to have the account in dispute for an investigation to be conducted regarding the proof of claim. Being advice to mail the subject matter for review the company provided it's mailing address verbally via telecommunications as well as email. On XX/XX/year>, Requested documents were sent via Certified Mail via courier XXXX for detailed confirmation of receipt. On XX/XX/year> three phone calls were made to the company for next steps and updates on the investigation. Being told by an associate they haven't received the documents I tried to provide proof that the company received it via postal mark postage verified by XXXX on that date. Two more calls were made in attempt to contact a supervisor. Understanding after a while that the associate was the same person impersonating someone else by providing a new name each time a call was made. There was a few times where there were other associates who accepted the call. The company was aggressive using abusive and deceptive actions to harass and harm me as an investor. I have attempted and have successfully contacted the owner of the company to resolve and settle the dispute and was ignored. Notice was given to the company to provided requested information and respond within state statues of limitations in which the company has failed to provide such information and respond. The associate stated that FDCPA allows them to not respond to disputes unless in writing and provided the mailing address; confirmed it, then was advised that it's the exact address the documents they requested was delivered to. The company deceptively ignored documentation it physically picked up as proven on the certified mailing receipt with timestamp posted. The company violated subsection ( a ) of GA Code 15-19-51. The Owner of the company violated Canons 27,35, and 47, Which prohibit ( a ) a lawyer from advertising, ( b ) exploitation of his professional services by a lay agency, personal or corporate, as intermediary between him and a client, and ( c ) use of his name to make possible the unauthorized practice of law. Specifically violating Canon 47, " Aiding the Unauthorized Practice of Law-No lawyer shall permit his professional services, or his name, to be used in aid of, or to make possible, the unauthorized practice of law by any lay agency, personal or corporate. '' The company using the owners name Aldous has permitted his associates to use deceptive and abusive practices stated above and even though the notice was given to the company. It stated they would report on my credit file which it did not prove it had rights to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX/transunion over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now XXXX/transunion have no right to furnish this information. I've sent in all letters receive from XXXX XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX Auto Loan Account XXXX Balance due : {$45000.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect, inaccurate, and unauthorized information on my credit report that violates my right to privacy and ruins my reputation. And it has to be removed immediately.
Product: Credit card or prepaid card

I booked airline tickets through the bank of America travel center and paid with my credit card Booking Date Order ID XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Order Total {$1500.00} I canceled the tickets with XXXX on XX/XX/XXXX and they confirmed that they refunded the total amount of {$1500.00} to the Bank of America travel center account on XX/XX/XXXX, bank of America did not refund this amount to my credit card and refused to do so when I called them on XX/XX/XXXX and on XX/XX/XXXX, I have no other way to get my money back and I am seeking your help. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have in my credit report XXXX accounts that do not belong to me, I have an ID theft report that shows that my ID was stolen. I try to delete this from the credits agencies and they com verified as accurate. please I need to delete this account from my credit the accounts are not my. The XXXX accounts are : XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX/XXXX  XXXX  XXXX # XXXX
Product: Checking or savings account

I am writing a complaint regarding overdraft fees applied to my accounts. These fees were added despite having funds available at the time the transactions were made. Due to the delay of posting the funds, I was charged with these fees. This appears to be consistent with recent CFPB findings, which identifies similar issues practice by Navy Federal Credit Union. It is unfair charge overdraft fees when the funds were initially there but the posting of the transaction was delayed.
Product: Debt collection

Even after being informed, they were sending information to the wrong address. They sent more information to the wrong address and now I have
Product: Mortgage

We chose deferred payments for XXXX relief. Wells Fargo has added all of the deferred payments ( principal and interest ) to the balance.