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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXXXXXX XXXX  UNDER ACCT # XXXXXXXX XXXX OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit card or prepaid card

I rented a car on XX/XX/2021 for 30 days at {$1500.00}, immediately had mechanical issues with my rental since the moment I picked it up, you can pull call history showing on XX/XX/XXXX I called 5 times and was told I'd be responsiblefor towing the vehicle and several other things from each different representativeI talked too. Front tire sensor out, rear back tire deflating and oil life at only 7 % to name a few issues. After finally getting the only vehicle available to switch out, I was able to exchange last week and was told I'd receive either a 50 % discount on my monthly rental rate or your company would comp my rental for the month of XXXX. Fine. 

Of course I go to call the local branch, no answer. Went into the local branch i was told they can't do anything and gives me a XXXX number, I call and sit on hold for 15 plus minutes then get disconnected, I've done this on and off all week! 

Can SOMEBODY from your company RETURN my call?! The return is due tomorrow but I literally just got a vehicle that was up to safety standards and need to either get my refund or extend this rental! I guarantee that if I don't return it tomorrow you'll be hounding me and I want this email to document my willingness to try to contact your company for remedy. It's been a month of nothing but problems and nobody wants to address this and I've paid {$1500.00}! 

That was the email that prompted the 50 % discount and extension of my rental. By the time the stopped charging my credit card it was to the tune of {$4600.00}! I had disputed these charges with my bank and even replied to their text when they were trying to authorize the charge, I told them no and it still went through!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. Equifax has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not 60, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! XXXX has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Product: Mortgage

I have had consistent problems with Wells Fargo applying check payments which are specifically identified as monthly mortgage payments and are in the exact amount of my monthly payment due.   Wells Fargo continues to misappropriate these payments instead of recognizing the payment as the next monthly payment due.   I spent a long time on the phone with their representatives but with the exception of one payment they refused to correctly post payments to my account in line with what I directed at the time the payment was made.  In speaking with several Wells Fargo representatives it appears that the bank has purposely structured their systems to ensure that payments are booked against principle.  The back clearly has a vested interest in doing this as the mortgagee who thinks they have actually paid their mortgage ahead is now hit by a late fee.  In my case that's a XXXX fee!  I would urge the CFPB to exercise its powers to ensure that payments clearly identifiable as monthly mortgage payments are booked as such and not misappropriated.
Product: Mortgage

We contacted the company for a VA loan assumption the XXXX week of XXXX. They said they were going to mail the assumption package but they didn't. I contacted them again and they finally emailed it. We completed the paperwork and sent it back via email and waited the XXXX hours we were told it was going to take for review. XXXX weeks passed and no response. We have contacted them via email because they don't have a direct phone number. All communications have to be by email. 
Finally they answer by saying we were missing paperwork they didn't specify. We sent it and as a right now we haven't heard anything. My agent tried, the other people 's agent tried and still no answer. We still don't know what is going on and it's been almost 2 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX is still reporting incomplete and inaccurate information after completed reinvestigation. 

DATE of last activity -- -INCOMPLETE/MISSING DATE of XXXX Delinquency INACCURATE can not be 12 months after DATE of last payment LAST PAYMENT AMOUNT -- -INCOMPLETE/MISSING DATE CLOSED -- -INComplete/MISSING PAYMENT HISTORY -- INCMPLETE/MISSING for the months listed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX STOP reporting with the FCRA violations. 
FIX THE INCOMPLETE/MISSING AND INACCURATE INFO ON MY REPORT. 
REPORT COMPLETE INFO OR DELETE
Product: Credit reporting or other personal consumer reports

I learn by reviewing XXXX XXXX credit report that a company called XXXX has checked my credit 3 times in 3 years, this is not a normal procedure, a company does not check your credit every year, this is fraud. I never ask them to check my credit but one time and that was in XXXX not XXXX and XXXX. 

They checked my credit on XXXX XXXX and again on XXXX XXXX, I did not ask for credit in these XXXX years. Yes I have and account with them but that was taken out in XXXX. Sense that time they have checked my credit XXXX additional times for no reason and without prior permission from me. I am a victim of identity theft and I don't appreciate them ruining my credit for me. They are ruining my credit. 

This is not a normal procedure for companies to keep checking your credit every year when you have not applied for any credit from them. I have a block/freeze plus additional blocks on all three credit reports, Someone is not doing their job to block these companies from checking my credit. I was told to add additional blocks on my credit just for that purpose. 

This extra security has not stopped XXXX from checking my credit, some way they hacked into the credit reporting system and stole my credit report, this is fraud and they have to be stopped before someone is hurt by their negligence. I do not appreciate this by no means. How many other consumers has they ruined? They are out to ruin me for life if they don't stop now. This is identity theft and fraud. Stop the fraud of my credit. This is simply fraud. There is a statement on all credit reports that companies need to contact me before they check my credit, they disobeyed the law by not contacting me first. When there is a statement on someone's credit report they need to abide by that rule. 

Stop checking my credit report. I did not give them my permission to do this. This is all fraud. I did not ask them to check my credit in those two years, they cracked open the credit system to check my credit, A stolen credit report. I did not ask for credit from them in the pass two years but they still checked my credit without prior permission. I do not want XXXX or any other company checking my credit without my permission. I didn't give it. They had no right, No company does this.
Product: Credit card

Bank of America blocked my payment of XXXX to XXXX XXXX XXXX on XX/XX/2023 for a phone plan renewal with no reasons. My credit limit is XXXX and I have used any credit last month. 

When I tried to make payment to XXXX XXXX XXXX in all increments, they completely locked my visa credit card ending in XXXX. 

I have contacted Bank of Americas fraud prevention department but they couldnt explain why they locked the account except saying that it was system action There is no Bank of America branch near me. The nearest one is XXXX miles away from my home and I dont have a car. 

They refused to compensate me for the transportation costs and refused to unlock the account despite their acknowledgment that my account has no issues. 

By paying the XXXX XXXX XXXX in small increments as forced by them, I also paid extra fees as a result.
Product: Credit card

I made XXXX balance transfers. The fees for the transfers are not reflected on the statement. The company phone representatives can not tell me what the fees were or if they still are outstanding and are accruing interest. I have stopped making any other purchases on this account in order to make it as simple as possible ( and since closed the account ) If payments are applied to outstanding fees of any kind I should be able to see that on my statement to account for payment allocation, but I can not. 

My total balance should now be at 0 % interest ( for XXXX defined time periods ) therefore the statement balance should be visibly decreasing on each statement dollar for dollar, but it does not. 

I have paid well over the amount of any fee ( visible or not visible ) that would have been related to the XXXX balance transfers. The company 's phone representatives should be able to see where the money was applied or if fees still exist, but they can not. 

As I have requested by telephone on 2 separate occasions ... I want to make sure the " invisible '' fees are paid off and not accruing interest. I want to see where my money was applied each month.
Product: Mortgage

RESPONDENTS FAILURE TO TIMELY INVESTIGATE NOTICE OF ERROR UNDER 12 C.F.R. 1024.35 ( e ) Pursuant to 12 C.F.R. 1024.35 ( e ) ( 3 ) ( i ) ( A ), a servicer must comply with the requirements of 12 C.F.R. 1024.35 ( e ) ( 1 ) not later than seven days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the notice of errors for errors asserted under paragraph ( b ) ( 6 ) of 12 C.F.R. 1024.35. ( Emphasis added ).

12 C.F.R. 1024.35 ( e ) ( 1 ) provides that ; 1 ) a servicer must respond to an NOE by either correcting the error or errors identified by the borrower and providing the borrower with a written notification of the correction, the effective date of the correction, and contact information, including a phone number for further assistance ; or by 2 ) conducting a reasonable investigation and providing the borrower with written notification that includes a statement that : i ) the servicer has determined that no error occurred ; ii ) a statement of the reason or reasons for this determination ; iii ) a statement of the borrowers right to request documents relied upon by the servicer in reaching its determination ; and iv ) information regarding how the borrower can request such documents, and contact information, including a phone number, for further assistance. 

On XX/XX/2022, the Consumer XXXX XXXX XXXX ( the Consumer ) submitted a notice of error ( NOE ) to RESPONDENT Fay Servicing , LLC ( RESPONDENT or FAY ) in which RESPONDENT received on XX/XX/2022 at the address that it has designated to receive such NOEs. The XXXX XX/XX/2022 XXXX was due to RESPONDENTs failure to investigate the XXXX previous NOE. A copy of the Consumers XX/XX/2022 XXXX ; and a copy the United States XXXX services XX/XX/2022 delivery confirmation of same, are attached hereto as Exhibits A and B, respectively. 
On XX/XX/2022, RESPONDENT provided an untimely response to XXXX XX/XX/2022 XXXX. Clearly, RESPONDENT waited approximately 21 days ( excluding weekends and holidays ), before it decided to respond to Consumers XX/XX/2022 notice of error not 7 days as required by Regulation X, 12 C.F.R. 1024.35 ( e ) ( 3 ) ( i ) ( A ). A copy of RESPONDENTs XX/XX/2022 untimely response to the Consumers XX/XX/2022 XXXX, is attached hereto as Exhibit C. 
Despite receiving Consumers NOE on XX/XX/2022, XXXX XXXX intentionally failed to provide a timely and reasonable investigation of Consumers XX/XX/2022 NOE. More specifically, XXXX failed to timely investigate and/or correct any of the errors asserted in the Consumers XX/XX/2022 Inquiry, and to do so within the applicable timeframe of seven ( 7 ) business days of receipt of such NOE- as required by 12 C.F.R. 1024.35 ( e ) ( 3 ). Instead, RESPONDENT, during those seven business days, simply ignored the 7-day dead line to investigate the XXXX XX/XX/2022 NOE. 
As a result of FAYs violations alleged herein, Consumer has suffered actual damages in the form of emotional distress, anxiety, the constant fear of losing her home, worry, embarrassment, and anguish because of the ongoing failures of the RESPONDENT to timely address Consumers XX/XX/2022 XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

This collection company calls my work phone 4 times a day, misrepresents the dates and age of the credit account, and ignores the fact that I have disputed this account since inceptionXXXX XXXX provided me with non-functional products and attempted to charge me for them after their return to the original purchaser. Which is the original debt disputed. After calling them, escalating, etc. they decided to collect and I decided to go with a real phone company. Since then this debt has been passed multiple times and now it is with an outsourced XXXX company that uses harassment as tactics to collect on bad accounts that XXXX is likely pushing on all its clients, despite their service blacking out at my home day in day out, and them replacing my phone 3 times, which did nothing, this is what I received in return for trusting their brand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREUAS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I DO NOT RECOGNIZE THESE INQUIRES. THE 3 BUREUAS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Vehicle loan or lease

I obtained a credit report for the purpose of taking out a mortgage on XX/XX/XXXX, I was notified that I have two late payments reporting from American Honda Finance in XX/XX/XXXX and XX/XX/XXXX. This surprised me since I set up automatic payments with American Honda Finance. I have tried multiple times to discuss this with them to have this corrected. I have fallen on deaf ears. This greatly impacts my credit worthiness.
Product: Credit card

Company is slow and non responsive in resolving a billing dispute. In fact, on XX/XX/XXXX, the merchant has informed me that they are unable to process the refund due to the charge being in dispute. On the above date, I asked the business three times to either force through the refund or remove the dispute so the merchant can process the refund. 

Loan ID : XXXX XXXX : XXXX XXXX XXXX, the business is falsely claiming my payment is overdue, this is even after initiating a dispute advising the merchandise has been completely returned to the merchant. 

Explain why a merchant is unable to process a refund when the loan is in dispute.
Product: Credit card or prepaid card

Citicard CBNA. is on my credit report I do not own a citicard cnba
Product: Money transfer, virtual currency, or money service

Again was allowed to transfer all of my funds to a malicious investment site. Crypto.com should have stopped me or have had some time of security in place for this. All the transactions are in the screenshots and dates. Crypto.com just needs to check all of the withdrawals from my crypto account to verify.