23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I am aware there was a glitch that was TransUnion 's problem, not mines, that caused my inquires to be deleted. TransUnion later added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XXXX XXXX, 2017 at XXXX-XXXX. These inquiries add a hardship and my rights were violated by TransUnion.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX charged my credit card XXXX and XXXX. Both are unauthorized charges as I have never placed order from XXXX. It is not retail website, but rather XXXX. I tried contacting XXXX, however I have failed to get any respond from them. Then I filed dispute with XXXX XXXX who services XXXX XXXX XXXX. Finally, XXXX refunded partial for the amount of XXXX on XX/XX/XXXX but not full amount of XXXX it charged. This is unauthorized by XXXX. So, far XXXX XXXX has refused to refund the difference or provide any evidences to support XXXX proof that I made any purchase or received any product or services from XXXX. Nor have XXXX provided me with any proof of products or services provided by them to me. XXXX XXXX asking me to provide proof that I didn't make those purchases, which I have none because I didn't make those purchases. 

Further more I have tried contacting CEO of both XXXX and XXXX XXXX - either one 's office have responded to my emails. 

I have more dispute regard XXXX XXXX lights that purchased that came damage, they won't return or refund them. I tried contacting the company so many times, but look - see attached emails. It took months to receive the product and then they were damaged and most of them no longer work now. That is another dispute running with XXXX XXXX for {$170.00}.
Product: Mortgage

Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.
Product: Credit card or prepaid card

This complaint is regarding a fraudulent charge that occurred on XX/XX/XXXX. Someone used a XXXX XXXX bank atm machine to check my available balance and withdrew {$1000.00}. On XX/XX/XXXX I called Bank XXXX XXXX XXXX XXXX Department debit card, customer service. I informed the customer service representative that someone withdrew money from my checking account without my permission and requested to deactivate the card. The customer service representative immediately deactivated the card and let me know that I would be receiving a new card in the mail. I was then transferred to the fraud department so I could make a claim. I then explained to the fraud department representative of what had occurred. The representative gave me a claim number and informed me that I would receive a letter in the mail within 45 days. I then visited my local police department and filed a police report.
Product: Debt collection

XXXX XXXX XXXX Account successfully paid from auto insurance company Please remove this account as this account has been paid and settled in full. 
Please remove immediately account has been readded to my accounts. 


After being removed Thank you!!!!! 

Best and kind regards Sincerely XXXX ( XXXX ) XXXX
Product: Mortgage

New American Funding is calling me multiple times a day about late payments and I have asked them to stop but they refuse. My car was stolen XXXX Police Department case XXXX. They refuse to accept ACH payments because I was late a few times so I have no transportation and they refuse to take payment anyway that I can pay them. I have a titanium rod in my leg from knee to ankle so walking to the bank is not an option, the wire fees are costing me {$20.00} a month on top of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I have disputed this inquiry, several times as I have not applied for services with this company. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX XX/XX/2022 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Product: Debt collection

Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??
Product: Debt collection

Company ( NCA ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there was a fraudulent use on my XXXX XXXX XXXX and a victim of fraud. I report the matter to the XXXX police department, XXXX XXXX, and XXXX XXXX the energy company that the fraudulent used my identity for the possession of electric power. 
I called XXXX energy to let them know that I have never been in business with them before, which is not me. They asked me to report the matter to FTC and the police department and get a report from both departments before they could close the case. 


Yours sincerely XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX of XXXX, I opened a Health Savings Account ( HSA ) with Bank of America at the following website : myhealth.bankofamerica.com At no time during the set up of this account was any information regarding fees directly presented to me. Shortly after setting up this account, I received a debit card and and two pamphlets in the mail. The first pamphlet was an agreement pertaining to the debit card. 

The second pamphlet was entitled " Bank of America Health Savings Account Custodial Agreement. '' On page XXXX of this agreement is a section entitled " Article VI. Fees ''. The first sentence reads " You agree to pay the applicable fees as set forth in the enclosed Schedule of Fees ''. At this point, I would like to emphasize that there was NO SCHEDULE OF FEES ENCLOSED, only the two pamphlets and a cover letter. 

Once my checking account had been linked to this HSA account. I made a contribution of {$1000.00}. I did n't log back in to this account until XXXX of this year ( XXXX ). From the time that I opened the account until the time I logged back in ( over four months ), I DID NOT receive any correspondence from Bank of America. I did not receive any emails from them letting me know that a quarterly statement was ready for viewing online. 

After logging in to make another contribution, I noticed that my initial {$1000.00} contribution had been reduced to {$980.00}, and I was outraged to say the least. Bank of America is using deceptive tactics on their website that is nothing short of criminal. I feel like I was robbed and violated on a continuous basis for the several months the account was open. I immediately closed the account and rolled the remaining money into a much more consumer-friendly institution -- XXXX. The final amount I got back from Bank of America was {$960.00} -- a disgusting amount from a disgusting company. 

Because I was NEVER directly shown any schedule of fees, either online or in the information sent to me in the mail ( which informed me that it was enclosed ), AND because they never informed me by email that a quarterly statement had been prepared, I feel that all fees should be returned to me. Had I seen the quarterly statement they prepared in XXXX, I would have promptly closed the account. 

I should note that the schedule of fees is " available '' online, but you have to dig to find it. AND It is NEVER presented to you in a clear and fair way while setting up the account. I would also like to point out that their Custodial Agreement does say that I would be notified when statements are ready -- this never happened. 

It really is shameful, and I am surprised that these tactics are legal. It 's as if I bought a car, but the dealer never told me how much it was and secretly withdrew whatever he wanted from my bank account every month -- forever. 

Thank you for your time, and I would appreciate any help with this matter. It 's not a lot of money, it 's the principle ( no pun intended ) of the matter, and I do n't want this to happen to anyone else.
Product: Bank account or service

More trickery from PNC. ( XXXX ) transactions were shown as pending on my account, in the amount of {$270.00} and {$290.00} for several days. They remained in pending status until the funds in my account were no longer sufficient to cover the transactions, then they went through 2 days later. After the transactions did not show as " pending '', I assumed the balance on my account was current, and budgeted off that balance. Even though the transactions were shown as completed, they did not go through until 2 days later. So I was basically budgeting off a fake balance. Just another trick PNC uses to force customers into overdraft, which I am now at - {$310.00} including overdraft fees. This number will climb as I have XXXX more online payments going through this week, XXXX in the amount of around {$7.00}. PNC will extract a {$36.00} fee from a {$7.00} payment. Once it 's all said and done I will be nearly - {$400.00} and unable to make next month 's payments. The balance shown on my account was FALSE. Pending transactions on the account are completed in an erratic fashion, sometimes 3 days to a week later. So I never really know what my balance is. This is misleading and I will not tolerate it. I DEMAND FULL REVERSAL OF ALL OVERDRAFT FEES FOR THIS DECEPTIVE AND MISLEADING PRACTICE. I hold PNC accountable for rearranging transactions, showing false balances, and keeping transactions pending until funds are insufficient.
Product: Credit reporting or other personal consumer reports

Following 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 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX - Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : CXXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXXXXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victim of fraud via Wells Fargo and XXXX. I filed a complaint with Wells Fargo on XX/XX/XXXX, claim # XXXX and XXXX. I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, # XXXX. I filed an Executive Complaint with Wells Fargo on XX/XX/XXXX case # XXXX and with the CFPB # XXXX. Wells Fargo has taken the position they will not reimburse the funds {$1000.00} from my checking and {$2500.00} from my savings, totaling {$3500.00}. I am at a lost for words because Federal Law requires banks to reimburse consumers for this type of fraud through Regulation E. The Electronic Funds Transmission Act was implemented and amended for my exact scenario. It can also be found in the EFTA FAQ 's Errors and Resolutions item # 5. Why is it that no one is holding Wells Fargo feet to the fire and requiring them to reimburse the {$3500.00} that was stolen from me, by an imposter claiming to be a representative of the Bank. Wells Fargo relies on their loyal customers to generate billions of dollars in revenue for them but does not reciprocate the loyalty when vulnerable customers are preyed upon. I simply want to be reimbursed. I also want them to be held accountable to Federal Law the same as the consumer.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about XXXX failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$0.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on someones account with Home Depot in XXXX for one month and then, I told them to remove me as an authorized user from their account after a month. Home Depot has still been reporting me as an active authorized user on the account after I had the primary account holder, remove me from the account th account should be reporting closed on my credit report. But it is still showing open on my credit report even after I contacted Home Depot with the primary account holder to check if I was actually removed from the account. The representative at Home Depot said that I had been removed for months and that the account would not show up on my account for the XXXX statement. But the XXXX statement has been reported to the credit bureau and it shows that the account is still open on my credit report as an authorized user, which is affecting my credit because of the high utilization of the primary account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/XXXX in regards to my late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I never received an email indicating that my account was past due. The credit card lender never called or sent mail to identify the problem. Without further notice the account was closed by the credit card lender in XXXX XXXX have requested proof of mail or email sent in regard to late notices and requested monthly statements dating back to XX/XX/XXXX. All I received was a notice stating that I changed from paper mail to electronic mail without a specific date from shop your way mastercard by citi bank.
Product: Debt collection

Nationwide Recovery Systems  calls daily with harrassing calls. The caller will not provide any information about the reason for the call unless I provide them " required '' semstive personal identifying information.     The callers state different versions of what is " required '' and are aggressive and rude.     I state that I do not provide identifying information to strangers calling my home and ask them to stop calling my home.     The calls continue- sometimes twice daily - and today I was told that the calls will not stop until give them the " required '' personal identity information.     I do not have any past due obligations of any kind.
Product: Debt collection

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

Please provide the certified mail with receipt, which show I was aware of this debt. 

There are violation of the Fair Debt Collection Practice and Fair Credit Act Account : ASSOC CREDIT SERVICES # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear SANTANDER CONSUMER USA, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity theft fraud laws, specifically Texas Penal Code Section 32.51 . 

It has recently come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER CONSUMER USA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER CONSUMER USA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX