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

Today XX/XX/year> i get an email notification ( XXXX ) from wellsFargo saying my accounts were being closed! No call no warning no questions just hey we are closing your account! 
The email states one of the transactions sent to my account was reported as unauthorized. This is complete XXXX! I am just starting a new business I've had a few investors send {$100.00} to me and a couple others wire me money. There was one for {$100.00} i didn't recognize but i saw that they had flagged it last night through zelle. I didn't pay much attention to it because they said its under review. I saw that same name send me {$100.00} so i assumed everything was fine because i trusted Wells Fargo to keep everything secure. Until i saw those emails telling me my account is being closed and my online access is being blocked! I have a large investor sending {$5300.00} today that's already scheduled so i can't stop it. That investor will pull after he sees that my account has issues. They have cost me XXXX plus more! I can't believe they just close my account because someone reports it?!? Like no investigation no nothing??
Product: Credit reporting, credit repair services, or other personal consumer reports

I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed FEBLOAN Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with Fedloan and XXXX but to no avail they did nothing.
Product: Credit reporting or other personal consumer reports

n 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. I told the Experian, XXXX, and XXXX to reinvestigate these 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 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 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 a 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 instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE
Product: Credit reporting or other personal consumer reports

I'm following up on our recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I never provided written consent or a wet signature for these entries. I formally demand the immediate blocking and removal of these accounts from my report. 

These inaccurate entries have caused substantial emotional and financial harm, misrepresenting my credit history and obligations. They've impeded crucial financial goals, including home ownership and supporting my family.
Product: Credit reporting

Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upo

n 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Product: Credit reporting or other personal consumer reports

Experian, TransUnion and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, TransUnion and Equifax, 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 Experian, TransUnion and Equifax 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Product: Vehicle loan or lease

I reached out to the company to settle an account with an offer. My account for a car loan account # XXXX for a XXXX XXXX XXXX had been charged off, but I wanted to finalize any obligations. 

I sent an offer of {$4000.00} to Capital One Auto finance via the overnight pay processing center in California. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was relcieved and processed initiating an accord and satisfaction between myself and Capital One. 

The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, XXXX credit bureaus. XXXX or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. Capital One contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. 

In addition to this breach of contract, Capital One XXXX further disregarded its obligations by continue to bill me for an additional {$2200.00} to settle the account finally in XXXX. This was the amount in adddition to the amount of the initial {$4000.00} settlement offer that was accepted in XXXX. 

I contacted Capital One XXXX several times to inform them of this issue. They refuse to honor the contract.
Product: Consumer Loan

We traded and leased a new car from XXXX XXXX in XXXX, Wi on XXXX XXXX, 2016. As with any vehicle purchase agreement, the dealership ran a variety of credit approvals and created numerous documents for this transaction to occur. We secured financing from XXXX XXXX XXXX XXXX XXXX XXXX for our new vehicle and took delivery of it XXXX XXXX. We were told that ( Ford ) would be contacting us shortly ( XXXX3 weeks ) with a payment book. No contact happened. Concerned by the lack of contact, we phoned Ford on XXXX XXXX and again XXXX XXXX and again on XXXX XXXX. Each time they searched their systems and could not find our name, car ( vin # ) or transaction. " We do n't have any record in our databases for your name or for the VIN number '' Explaining the situation we were told " be patient, perhaps there is a delay '' On XXXX XXXX we received a letter from Ford credit saying that we were behind in payments and owed two months and were being reported to credit bureau for late payment. We contacted the contact in the letter and immediately paid the past due via electronic fund transfer. On XXXX XXXX we received another notice saying we were being reported to credit agency. This was after the monthly payment. XXXX car payments in two weeks by electronic deposit. 
XXXX XXXX XXXX Company has completely failed internally to handle our sales transaction! Most importantly they have caused undue stress and damage to our credit rating by making false reports! Unacceptable! And when contacting XXXX again about this, their response is : " you can contact the credit bureau and request a change '' Complete XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX Amex # XXXX -XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX BK OF AMER XXXX : Credit Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX and XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX* I am filing this complaint due to the company 's failure to comply with the XXXX XXXX XXXX XXXX XXXX. The following violations have occurred : The company has not provided the necessary privacy notices outlining how my personal information is shared. 
I have not been offered the option to opt out of sharing my data with nonaffiliated third parties, as required by law. 
There is insufficient evidence that the company has implemented proper security measures to protect my financial and personal data, as mandated by the XXXX XXXX 
The companys identity verification process appears inadequate, raising concerns about compliance with XXXX 's pretexting protection provisions. 
I request immediate action to stop any unauthorized sharing of my personal information. Additionally, I expect a complete explanation of how my data has been handled and proof of the companys compliance with XXXX  regulations.