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

Even though I had met the minimum balance requirement to avoid a maintenance fee, Bank of America still charged me a maintenance fee. I would like a refund of all maintenance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY Experian XXXX XXXX consumer solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act Convergent Account : # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX # XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX ( XXXX XXXX ) # XXXX ( DEPT OF ED/XXXX ) # XXXX ( XXXX XXXX ) have ALL 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: Debt collection

As of XX/XX/year>, I have sent a certified letter # XXXX to Midland Credit Management XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Asking for the XXXX XXXX - Waiting for response.
Product: Mortgage

I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Make sure any accounts that were discharged in the bankruptcy show a {$0.00} and are labeled as discharged or included in bankruptcy Payment History is no allowed!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last ss  XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Ph : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ph : XXXX Subject : Bankruptcy listing for Account No. : XXXX History listed wrong per Bankruptcy laws. Attached is a copy of my Bankruptcy filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX XXXX  XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper Bankruptcy Lawyer for data removal. 

Per your order ( According to https : XXXX  ) they are listing my payment history showing XXXX negative report and also showing the bankruptcy in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a Bankruptcy is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a bankruptcy and only list the Bankruptcy without past payment history but Experian credit reporting wants both. Experian first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have Experian remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with Bankruptcy court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, XXXX  XXXX Attached : Copy of Letter, Experian Report, Bankruptcy, & Reopen of Bankruptcy
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

For 8 months I have been fraudulently charged by US Bank on a XXXX XXXX XXXX credit card. 
Since XXXX of XXXX I have been getting a XXXX XXXX charge in the amount of {$9.00}. I have been disputing these charges since noticing them in XXXX of XXXX. I do not have an XXXX and this credit card has never been linked to a XXXX account. For 4 months I have been disputing these fraudulent charges. Every month they reverse the charges and send me a new credit card and assure me that they are blocking these {$9.00} charges. The charges keep coming even after being promised they would never appear again, at least 4 times!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the item right away. 

XXXX XXXX XXXX
Product: Credit reporting

XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2012 STATUS OPEN BALANCE AMOUNT BLANK
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XX/XX/24, asking them to reinvestigate this account XXXX XXXX XXXX and this is my tracking number XXXX. 

I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation of USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not updating my accounts. The amount owed are incorrect and I have made my payments on time for the past two years but my score keeps decreasing. I have filed disputes with them even when my claims were in my favor they would take XXXX or XXXX points only to give me XXXX points back even though I proved it was incorrect on their behalf. I feel like I keep submitting the information to them and they are not investing. On XX/XX/XXXX I submitted a dispute and they say it was resolved the next day. I feel like when items are close to be remove they find incorrect information to make my score decrease. I just want my score to improve for me paying on time over years.
Product: Debt collection

Original loan was for {$10000.00}, I have paid back from 2012 to now XXXX to date and still owe XXXX. I never agreed to such terms. It has ruined my credit because it saying I havent made payments on 4 loans. Which they are responsible to manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted to my credit report that my home was damaged by the recent hurricane in Florida. This information is a lie. XXXX XXXX should not be permitted to post lies on their customers credit reports. This is not the first time this has occurred. They continue to harass me because I complained about how they discriminate against Veterans by violating the Servicemans Civil Relief Act
Product: Mortgage

I'm listing agent on a property and the Buyers contacting me directly stating that they don't a REALTOR. I showed them the house and i wrote a Offer on it, the buyer were revising the Contract when the Mortgage Broker Offer them a KICKBACK OF {$2000.00} in orderto use their preferredRealtorand this is illegal lender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Checking or savings account

On XX/XX/2022 I reached out to my banking institution regarding an email that I received from them asking if I was aware of a purchase that was made in the dollar amount of {$280.00} from XXXX. I selected the option no when I initially saw the email late night over the weekend. When I called on XX/XX/2022 and spoke to a bank rep I was told that that transaction along with two others in the amount of {$370.00} and XXXX from XXXX online  were pending and that in order to file a claim with them I would need to wait to see if they go through and are no longer in pending status. I then asked how much time I should allow before calling back to request a claim. I was told to call back on Thursday XX/XX/2022. I called back on that day and learned that the transactions went through and were posted to my account and requested a claim. I was then told that it can take up to 30 days for them to investigate. I then received an email on Sunday XX/XX/2022 stating that my claim was denied. I called immediately Monday morning when they were open to find out why and was told that it was because of when I filed the claim and also because the purchased were made a device that I approved. I explained that was impossible and asked them to submit another claim which I was denied.
Product: Mortgage

Shellpoint Mortgage Servicing claims to have paid my 2nd half property taxes out of escrow in the amount of {$680.00} on XXXX XXXX County Treasurer has not received any payment from XXXX on my behalf. 

XXXX claims it paid by a check batch, but they refuse to produce an image of the cancelled check, nor are they willing to communicate directly with the County Treasurer about the matter. Instead tax payers are put through a long-running shell-game that results in no tangible nor useful information for resolving this issue. 

In fact, this non-pay issue affects at least XXXX XXXX County tax-payers serviced by Shellpoint d.b.a. XXXX. I suspect they may have misappropriated funds held in escrow and never actually cut a check at all, but suspiciously ledgered debits from our escrow balances anyway. XXXX has not produced any evidence to prove that funds allegedly remitted, were acknowledged/received by payee XXXX XXXX XXXX or cashed by another entity and in need of recapture. 

It has a really bad accountancy and finance smell, and we really need an advocate before tax-liens are levied against our homes.
Product: Consumer Loan

I bought a car in the summer of 2015 financed through Santander Consumer USA. Santander reported a charge off to my credit report even though I still maintain possession of the vehicle and the account is current. They refuse to redact the charge off and negative reporting from my credit or even refuse to report the account in good standing and the on time payments i 'm making. Sounds predatory to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquired and unverified reached out to every creditor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only XXXX XXXX  they pulled my credit multiple times and I need this removed they told me it was only going to get pulled once this is an unconfirmed inquiry lacking evidence unless physically certified verified its demonstrated per 15 USC 1681 B section 604 of FCRA
Product: Credit reporting or other personal consumer reports

On this time I wasnt able to get any credit because I was in jail
Product: Credit reporting, credit repair services, or other personal consumer reports

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX card XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019. XXXX did not seek my approval prior to doing a credit check when I called to inquire about my recent application. going forward, these unauthorized credit inquiries will make me appear to be a desperate consumer and will make me completely ineligible to be extended credit. Furthermore, recent inquiries will cause a significant drop in my credit score that will be almost impossible to recover from in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, my rights have been violated. 
Regarding alleged account # XXXX 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 an account without my written instructions.

15 U.S. Code 1681B ( 4 ) : states that there is a Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

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

( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 09/18/2022-Equifax 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 XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax EQUIFAX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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 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 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

My truck was taken from Wells Fargo Bank in XXXX of 2021. I had overpayed {$4000.00} but with XXXX  related problems i was unable to catch up with payments and that lead to me not looking foward into this problem and so my truck was repossed and I was still left to pay the money and filed XXXX  my dad was also on my loan