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

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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 CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have disputed multiple accounts which were all rejected with the same resolution message.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX XXXX XXXX  XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

Equifax also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXX v. Equifax Information Services, XXXX ( XXXXXXXX XXXX XXXX XXXX and XXXX v. Equifax, XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.
Product: Checking or savings account

This matter involves Marcus by Goldman Sachs taking most of my cash savings of {$250000.00} from my XXXX savings account on XX/XX/XXXX through a reversal of a prior transaction that occurred in XXXX of XXXX. Essentially this matter involves XXXX and Marcus misplacing {$250000.00} back in XXXX of XXXX ( that never was received by me ). I assisted both parties with hours of my time to help them. Marcus had determined on XX/XX/XXXX that I am not responsible for such error and found in my favor by written correspondence and also by telephone even earlier. Despite such finding, Marcus took the money anyway on XX/XX/XXXX from my XXXX account, which ultimately didn't get released back to me until XX/XX/XXXX causing me substantial stress not knowing if I would get my money back. Marcus further messed up the complaint I put in on XX/XX/XXXX ( upon discovery of the wrongfully taken funds ) requesting my money back, but Marcus failed to enter the complaint property and had to redo it all around XX/XX/XXXX. During that timeframe, I had called in multiple times and spoke to agents, supervisors and the fraud department, yet they still didn't notice my complaint was not entered properly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX  XXXX XX/XX/2024 As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are XXXX, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report today, l realized that ; SUNTRUST - XXXX company reported a hard inquiry on XX/XX/2018 which l have no idea about.
Product: Credit card

I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.
Product: Checking or savings account

On XX/XX/XXXX I was charged double Over Draft Fees of XXXX each. Due to my account being over drawn over night on XX/XX/XXXX. This over draw was wrong because PNC processes my transactions on a unfavtual order to make me over draft before coming current. 

Due to those over draft fees my processing than made a XXXX  cash deposit on XX/XX/XXXX come up short. 

On XX/XX/XXXX I made 2 {$1000.00} withdrawals to XXXX XXXX based on that {$2000.00} cash deposit I made. On XX/XX/XXXX those two withdrawals to XXXX XXXX were also registered as an over draft when everything processed. 

On XX/XX/XXXX I was then given 2 reversals for the XXXX XXXX transactions and then 2 more overdraft fees of {$36.00} each. 

This due to poor processing and lack of fluidity and communication I have been charged {$140.00} in over draft over 3 days. Wrongfully. 

Furthermore I have contacted PNC Bank several times to block over drafting transactions with my debit card.
Product: Mortgage

This will be the second time this year I have had to start a claim with this company. The first time was due to them losing paperwork causing us to go from XXXX in debt to XXXX and almost losing my home. Amerihome sent us a package in XXXX to sign and have notarized to do our loan modification. We went through the proper steps and sent the paperwork back. I called 3 days later to confirm they received the papers and was told they did and the papers were currently with the underwriters. About XXXX weeks after we received another packet of the same paperwork stating the notary did not date, so we went back up and did them again making sure to have everything signed and dated properly and taking picture proof of each page. We sent them back via XXXX  and called 3 days later to check on the status. The company confirmed that the papers were received. It now has been a week and I have received another copy of the same exact papers with the same exact excuse saying the notary did not date. I called the company after receiving the papers, and the lady with the company said it doesn't show anything in my account about any agreements made, papers sent out, or papers received. This agreement of a loan modification is time-sensitive and only stands for a short period of time. They continue to delay the process which could cause us to lose the agreement and ultimately lose our house. At this point, we are trying to figure out why our account does not show anything about the agreement or paperwork. Our house has way more equity than what is owed, so they are trying to make it to where we lose our house to them so they can profit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX XXXX XXXX XXXX  has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since XXXX  but on my report, this is still showing. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Mortgage

We are only 3 years away from paying off the mortgage on our lifelong home. We 've had financial difficulties due to XXXX XXXX and medical problems, leading to unemployment for one of the two homeowners. We fell behind with mortgage payments and contacted Wells Fargo to ask about options for keeping our home. They only offered one option, which was to apply for a loan modification. I doubted we would be approved, but we submitted an application. Not only did they turn us down, but they also created an escrow account without our consent and increased our monthly payment by {$800.00}. Since missing a payment last spring, we had faithfully made a payment every four weeks from XX/XX/XXXX through XX/XX/XXXX. Starting in XX/XX/XXXX, the payment website will only accept the new amount, which we are unable to pay. I called Wells Fargo today ( XXXX XXXX, 2017 ) and requested a reasonable repayment plan for the two missed payments. I was told that they can not do this because our hardship still exists. Yet they are trying to force us to come up with an extra {$800.00} a month. This does not make sense! We want to keep our home and make continuous progress in bringing our mortgage up to date. We need Wells Fargo to accept a smaller monthly payment increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO  XXXX  CREDIT REPORT.
Product: Debt collection

AMERICOLLECT has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).

Show ( ii ) The consumers name and mailing address.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).

Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).

Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).

Show ( v ) The name of the creditor to whom the debt currently is owed.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).

Show ( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).

Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).

Show ( ix ) The current amount of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX are all reporting my student loans unlawfully on my credit report. according to Washington state RCWs > Title 19 > Chapter 19.182 a consumer can not report accounts more than 7 years old. I have disputed all credit reporting agencys mentioned and was refused the correction. I have also disputed the wrong social security number being reported on my XXXX credit report and the agency refused to fix the correction. I have also disputed my name being reported incorrectly and multiple times on XXXX and the agency refused to make the correction. The agent on the phone told me that it does not matter that my name is reported the way it is and that he was not going to remove it. I have also disputed wrong addresses being reported on all the mentioned credit reporting agency 's mentioned. the agencies are still reporting the wrong addresses. 

According to the cares act that has been passed due to coronavirus pandemic, Student loans are required to report cuurent status of loans as current and paid. XXXX Transunion and XXXX are all reporting my student loans as past due and not current. I have complained of this recently and i have not gotten any corrective action, My civil rights are being severly violated XXXX is reporting wrong information about me to businesses causeing adverse actions they are also reporting information that should not be reported because the information is more than 7 days old. I have complained to Washington states Attorney general. XXXX responded claiming to be a reporting agency reseller but is being listen as a credit reporting agency on one of the adverse letters i have recieved from the business i was dealing with. 

the economical difficulties i have experienced from these credit reporting agencies has severly affected my family. I have children that have health issues that have been refused stable housing. I am a victim of XXXX  XXXX and i suffer from a XXXX  XXXX. I have submited complaints to the department of education multiple times on the reporting on my credit report and i have not gotten any  help. 

I am an XXXX american woman single mother low income and current on public housing assistance. The negligent acts of these businesses has restricted me from recieving services that would enable me to sustain a suitable life for myself and my children. I do not have the financial means to afford an attorney and have been forced to deal with the burden of these businesses. I feel victimized behind XXXX discrimination based on my race, family status, and XXXX. I have not had any corrective action dispite my multiple attempts to correct. I would like to peruse civil action against all parties involved
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal credit card account, 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 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 to any 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX 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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access.

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information.

I apologize for any inconvenience this may cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX 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

Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. 

My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXXXXXX - Account Number : XXXX - XXXX In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ).

Please provide the following documentation to validate this debt : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the account showing all charges and payments.

4. Proof of your authority to collect this debt.

If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA.

I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America still hasnt credited my account in full for my missing credit and has been giving me problems pertaining to my other dispute for over XXXX as well as sending me letters that are fraudulent pertaining to what I have said. I never said I was only missing XXXX and they have been working on several disputes for almost a year now They have refused to add notes so when Ive called they have told me no notes were left etc. Someone from their bank is purposely screwing up my account and keeping my money as far as im concerned and now i cant access my account. As far as im concerned they are stealing money from my account. I want my money back and i want them investigated now.