23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974, as a federally protected consumer, to opt out and rescind any and all prior assumed authorizations of the sharing of my private data and personal information I may have given you, written, non-written, verbal, or non-verbal per 15 U.S. Code 6802.

I hereby request that you cease and desist from sharing or disseminating any of my private data and personal information to third parties, unless explicitly authorized by me in writing. This includes but is not limited to my name, address, social security number, financial information, and any other data that could be deemed sensitive or private.

Furthermore, I revoke any consent that may have been implied or assumed in any previous agreements or interactions with your organization or any affiliated entities. It is my explicit desire that my private data and personal information be kept confidential and only used for the purposes explicitly agreed upon, approved of and authorized in written form by the consumer, in any contracts or agreements between myself and your organization. 

Please consider this letter as a formal notice of my intent to opt out of any data sharing practices and to rescind any prior authorizations. As such, I expect immediate compliance with my request and confirmation of action taken within the timeframe required by law. 

Failure to comply with this request may result in legal action, including but not limited to pursuing remedies available under the FCRA, Privacy Act of 1974, and other applicable statutes. 

Thank you for your prompt attention to this matter. I trust that you will handle my private data and personal information with the utmost care and respect for my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I asked Equifax to look into some unauthorized inquiries on my credit report. They are lines of credit that i did not apply for. I asked them to please look into this and verify and send me some type of explanation. They send me a template letter back saying that " Inquiries are factual record of file access and will remain on my credit report for 2 years ''. 
I want them removed because they are UNAUTHORIZED, and I gave NO PERMISSION to have these pulled. 

I want the following UNAUTHORIZED and UNVERIFIED inquiries removed from my Equifax report! 

XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX I please ask that the CFPB makes this company do their job and hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Equifax has reopened a closed account from 2022 that has violated my rights too a fair credit score the XXXX account was closed XX/XX/year> due a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I went to look at vehicles for purchase. We were trading in our XXXX  for another XXXX. The asked us how our credit XXXX  scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax are reporting my credit cards are not paid off but they are it's keep showing I owe money. Also on my credit report it has addresses on there I never ever lived at I lived at my current address my entire 45 years of living I have never lived outside of XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to remove the collection account from my consumer report. Please see attached documents.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$7000.00}
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2022 I went into the local branch to initiate a domestic wire in the amount of {$71000.00}. On XX/XX/XXXX the local branch XXXX, XXXX XXXX, called requesting more info regarding the recipient. I provided her the info requested over the phone. It is now XX/XX/XXXX and their XXXX dept still has not released the funds, nor have they requested more information. Wells Fargo is intentionally holding onto people 's money and using their XXXX employees as a valid reason to defraud consumers. These unjustifiable delays are well known in the industry ( I spoke to XXXX former XXXX employees that said this is a known issue for XXXX and the rest of the industry is well aware of their bad practices ). Wells Fargo is causing harm to consumers by delaying valid and credible transactions where no fraud or evidence of nefarious activities exist. These payments are often used to pay off loans and in the process are causing unnecessary and inexcusable late fees, additional daily interest fees, etc. that affect the individual consumer. I received a call today from XXXX XXXX ( XXXX XXXX XXXX over the branch that initiated my wire ) stating that he has tried to reach his XXXX XXXX for what possible explanation they have in holding up the wire and they have failed to respond even after internal escalation. He admitted to me over the phone that this is a known issue within Wells Fargo Bank that is knowingly causing significant financial harm to consumers.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX NY, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$150.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$230.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$560.00} ; XXXX XXXX  XXXX XXXX XXXX : {$3600.00}. 
XXXX, XXXX XX/XX/2022. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Receivable Performance placed a " collection '' on my credit report in behalf of XXXX on XX/XX/2015 in the amount of {$110.00}. I disputed this with XXXX  ( unfortunately, I can't recall the date ) & XXXX sent me a letter stating basically that the debt was mine. This is LITERALLY IMPOSSIBLE! I HAVE NEVER HAD XXXX. XXXX DO NOT SERVICE MY AREA. I have the same name as my father with the exception of my middle name ( My dad does not have a middle name ). My father HAS HAD XXXX in the past. 
Please investigate this and have it removed from MY credit report. 

Thank you for your assistance!! 

Receivable Performance XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am filing this complaint against XXXX XXXX XXXX, my mortgage servicer, due to serious concerns regarding the accuracy and completeness of their accounting records, their failure to provide full loan documentation, and their unauthorized foreclosure actions against my property ( including improvements ). 

I have repeatedly requested a full and complete accounting of my mortgage loan, including both public and private ledgers, but XXXX XXXX has only provided a limited transaction summary of payments I have made. This does not constitute full loan accounting, which should include : All credits and debits, including deposits, withdrawals, transfers, and ALL assignments. 
All accounts associated with my loan, including custodian accounts. 
Securitization records. 
All executed XXXX XXXX XXXX XXXX submitted to XXXX XXXX ( as the investor ) from loan creation to present. 
All IRS tax forms, including Forms 1098 and 1099 ( A, B, C, OID, etc. ) related to my loan from inception to present. 
All Notes with the most recent endorsements, all fully executed assignment forms ( with endorsements ), and all security instruments. 
Despite multiple formal requests, XXXX XXXX has failed to provide this information, thereby obstructing my ability to verify the accuracy of their loan accounting and any potential mismanagement of funds. 

XXXX XXXX is currently attempting to foreclose on my home, but I believe they lack the legal authority to do so. My understanding is that the Note ( s ) was sold to a Trust, and therefore, XXXX XXXX nor XXXX XXXX are the true beneficiary of the Note ( s ) with the right to enforce foreclosure. 
Furthermore, my property is subject to homestead exemption protections, which prohibit foreclosure unless the lienholder has a legitimate claim. If XXXX XXXX and/or XXXX XXXX has fraudulently appointed Themself as the beneficiary of this exemption, this would constitute fraudulent misrepresentation and a serious legal violation. 
I need XXXX XXXX or XXXX XXXX to prove that the Note ( s ) ( including security instrument ) never held a monetary value, once signed by XXXX XXXX, at inception. XXXX XXXX or XXXX XXXX needs to prove the Note ( s ) ( including security instrument ) held the value and consideration of the transaction WITHOUT the signature of XXXX XXXX ( buyer ). XXXX and XXXX XXXX CAN NOT prove this because the maker of the Note ( s ) creates the value by signature. Therefore, the loan originator did not provide a loan but rather acted as a transfer agent between the buyer and The New York XXXX XXXX Federal Reserve XXXX ). 

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

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account. Three different funds were Ach'ed from my account and my account was originally in the negative - {$140.00}. My account is now negative {$580.00} and I've spoken to a representative about the charges because all of the charges that were removed from my account as an ACH were returned back to my account, but the charges still remains. I asked the representative can the fees be credited back to my account and I will clear up the remaining negative balance but I am being told it can not be done. 

XX/XX/2022 FEE OVERDRAFT PD - {$70.00} XX/XX/2022 CREDIT  XXXX XXXX XXXX  XXXX {$680.00} XX/XX/2022 DEBIT OVERDRAFT RET. - {$35.00} XX/XX/2022 FEE MAINTENANCE FEE - {$15.00} XX/XX/2022 XXXX XXXX  XXXX {$130.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  XXXX - {$680.00} XX/XX/2022 FEE OVERDRAFT PD. - {$70.00} XX/XX/2022 XXXX XXXX XXXX - {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX  PAYMENT {$300.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX  PAYMENT - {$300.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I thought I was being contacted by Wells Fargo about a money transfer fraud. They had me sign up for money transfer told me I had to make a transfer to stop the transfer. Thats were it went wrong as soon as I figured out what I had done I left work went to my nearest branch and told them to stop everything. Well I just received a letter stating that they will not return the XXXX dollars and I am out because I authorized the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Credit reporting or other personal consumer reports

FCRA viloations Not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PENNSYLVANIA ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX was used fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Product: Checking or savings account

I had an account automatically transferred to Citizens bank from XXXX with a balance of {$5.00}. I received an email from Citizens saying I would be charged a {$4.00} monthly maintenance fee on the account. I do not use this account, and want to close it because it would cost me money to keep it open. I waited on hold for over 45 minutes with Citizens bank trying to cancel my account, only to be hung up on by their phone system without ever speaking to a human. Citizens website says I can only close my account by visiting a branch. There are no local citizens bank branches where I live, and traveling to the nearest city with one would be an inconvenience, and would cost me more than the value of the account. It is not reasonable to expect me to jump through many hoops to close an account that I didnt ask for or risk being charged fees.
Product: Credit card or prepaid card

I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date. 

When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays. 

Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}. 

I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full. 

I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.