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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax credit reporting agency for violations of the Fair Credit Reporting Act ( FCRA ) and other consumer laws. Specifically, Equifax has failed to report my personal and account information with accuracy and fairness, in violation of 15 U.S.C. 1681e ( b ). Additionally, Equifax has violated my privacy rights by allowing promotional and account review inquiries to my account without my explicit written or oral consent, in violation of 15 U.S.C. 1681a ( d ).

These violations have hindered my ability to utilize the banking system fairly and have stifled my financial success. I request that Equifax be held accountable for these violations and that immediate action be taken to correct the inaccuracies in my credit report. In particular, I request that Equifax correct the following inaccuracies in my credit report : Inaccurate credit card usage Incorrect number of collections accounts Incorrect number of accounts 60 days late or more with a derogatory indicator Incorrect number of accounts with missed payments or derogatory indicator Incorrect ratio of revolving balances to my credit limits I would like to cite the following legal citations violated by Equifax in support of my complaint : FCRA, 15 U.S.C. 1681a ( d ), which places the burden of proof on the credit reporting agency to provide the most accurate information.

FCRA, 15 U.S.C. 1681i, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports.

FCRA, 15 U.S.C. 1681a ( e ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

As a result of these violations, I am requesting the following actions from Equifax an immediate update to the score factors in my credit report to reflect the accuracy of the report, as required by law.

I request that Equifax delete multiple outdated repetitive addresses reported in my credit report ( some XXXX - XXXX XXXX XXXX ) and only indicate my current legal address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Additionally, I request the immediate deletion of all unauthorized promotional inquiries, account review inquiries, and any third-party supplemental information that violates my privacy rights. 

I also request that Equifax comply with the FCRA, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports. Pursuant to 15 U.S.C. 1681a ( d ), the burden of proof is on the credit reporting agency to provide the most accurate information. Therefore, I request the immediate deletion of all information that violates my privacy and the accuracy of the information in my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today on XX/XX/XXXX, Suntrust took it upon theirselves to force close my account. Ive tried everything in my power to try and figure out what they are closing it for. They have no type of answer for me except that my account will be closed and remaining funds will be sent to me via paper check in the next 25 days. This is of great inconvenience to me because I received my direct deposit today from my employer and have no way of accessing these funds. I will be behind on rent because of this and most likely will struggle to get groceries until Im able to get paid again. I dont know how this is possible in the middle of a pandemic but I guess this doesnt matter to them, Im just looking for the best solution because I can not wait for them to release these funds that would put me at a great disadvantage and I do not want to penalized for something that is far out of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT IS FRAUDULENT I HAVE NEVER OWNED A XXXX   CREDIT ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXXUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is this possible if both of the accounts are charged off and both accounts have a past due balance. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given the credit bureaus written permission to furnish these accounts on my credit report as well.
Product: Credit card or prepaid card

Attempted to pay online entire outstanding balance of a Chase Vise card on or about XX/XX/19, using a check issued against XXXX XXXX. Chase website returned as though the payment was processed, and deducted the payment. Some 6 to 10 days later, Chase reversed the payment as " returned. '' There was no notice nor any explanation provided to me of any kind about this " return, '' I discovered it by going online myself. During the interim time delay caused entirely by Chase, they added a {$28.00} " return item '' fee and a {$100.00} finance charge for another period. I have inquired with XXXX, and the check is good. XXXX indicates, as does Chase, that it was Chase that chose to reject the payment ( again, no explanation given, and no notice that they would, or already had, rejected the payment ). I have requested an explanation from Chase, and their customer service reps say nothing in response. Now, I can no longer input the routing and account info from XXXX XXXX into Chase 's online payment portal. Chase appears to be purposefully impeding the pay-off of their balance in order to continue to levy finance and other charges. I would like the {$28.00} + {$100.00} charges reversed, and for CPFB to investigate this practice.
Product: Mortgage

REF COMPLAINT # XXXX 1. We still have no resolution after 26 days after our original request and 31 days since our original closing date. We have had dialog with Wells Fargo Customer Relations ( XXXX XXXX XXXX ) on ( 3 ) occasions out of ( 12 ) contact attempts ( see timeline below ), but have had no response to our last ( 5 )  attempts in leaving voice mails. 

XXXX Contact with XXXX XXXX Goal to provide release by XXXX, will engage with Lien Release Department to produce Certificate of Satisfaction ( COS ), currently doing research for original COS/Deed of Trust ( DOT ) to expedite process. XXXX XXXX available XXXX CST. 
XXXX Contacted XXXX XXXX 100 % committed to get lien released by XXXX, expecting an update within the hour from Lien Release Department. 
XXXX No response from XXXX XXXX called left voice mail for call back. 
XXXX Received update from XXXX XXXX Will not release a COS, but working with legal for a Letter of Indemnity ( LOI ) will follow up on Tuesday, XXXX. 
XXXX Received no response from XXXX XXXX after ( 3 ) attempts leaving voice mail. 
XXXX ( 5 ) attempts with no contact. 

2. On XXXX, contacted by our Real Estate Agent that we had lost our buyer who submitted a Contract Release Agreement due to hardship. We now have incurred personal and monetary damages ( See Attached Spreadsheet ) resulting from Wells Fargos incompetence and non-compliance with VA 55-66 in not producing either a COS or LOI, in which we must now pursue legal action based on the following facts : 3.  Research documents show the original XXXX XXXX XXXX  ( {$64000.00} ), refinanced by XXXX XXXX XXXXe ( {$65000.00} ) and assigned to XXXXXXXX XXXX , XXXX, in XXXX was then acquired by Wells Fargo. Acquired Wells Fargo lien ( {$50000.00} ) was then paid off through XXXX XXXX XXXX refinance ( {$84000.00} ) as evidenced on HUD-1 Statement ( Item 1502 ) dated XXXX ( Attached ), XXXX  then  acquired by Wells Fargo in XXXX. Chain of succession shows Wells Fargo in accordance with VA 55-66.3 inherited fiduciary ownership of this mortgage directly or through acquisition in excess of 20 years since the 2nd transaction which satisfied original lien. Therefore, Wells Fargo has ownership of documents showing payoff of original mortgage.

4. Property has little risk of any potential lien claims being that XXXX XXXX XXXX XXXX, having been the original home owner evidenced by multiple title insurance companies in accordance with VA 38.2-4601, released the liens through each of the ( 4 ) Deed of Trust ( DOT ) transfers and issued policies of title insurance as defined in 38.2-4601.1, for real estate transactions wherein the loan secured by the lien was satisfied by payment made by the title insurance agency or agent ( Last 3 DOT transfers being owned by Wells Fargo ).

**We are experiencing the " Old '' Wells Fargo and not getting the customer service to re-establish trust and confidence in the " New '' Wells Fargo per their recent  commercials.
Product: Credit card

I have an account with Ava that is set with automatic withdrawal monthly. The bank account I had on filed stop working with payment processing. I contacted them on XX/XX/year> and told them of the issue. I also told them in writing if the problem can not be resolve to close my account. They told me their was an issue with the Plaid the payment processing they were using and they did not close the account. Now they have reported late payment on my credit report for the last 3 month and when I contacted them again to close my account they went ahead an fix the issue with the payment processing that they were not able to do when I first contacted them but now has hurt my credit score so much.
Product: Debt collection

I am a federally protected consumer and the original creditor. I am not obligated to Carmax auto finance alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Carmax auto finance is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Carmax continues to collect on this alleged debt and has been negatively reporting on my consumer credit report. I did not give carmax auto finance DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ).
Product: Bank account or service

Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.
Product: Mortgage

Rushmore is refusing to open my loan modification review because they state the " investor which is XXXX XXXX XXXX XXXX. 

We had a 2nd loan modification review which left out a great portion of our income and now Rushmore is stating there is a hard stop on the file which wont allow for another review. We never got approved for a loan modification in the past and the 2 reviews we had were done so without the full income as Rushmore ignored some of what we earn. 
The last review should not count towards my second review or at the very least the second review should be re-opened and the correct income should be looked at. 

We are prepared to make payments starting today and we can even put down {$15000.00} as a good faith deposit. I called the investor and they said they have no such rule. XXXX XXXX XXXX still continues to block my loan modification review which is a violation of federal guidelines and is doing an unjust harm to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group allegedly bought a debt that I " owed '' ( I do NOT believe I owed XXXX any money as I KNOW I paid everything upon terminating service and returned all devices! ) HOWEVER, Waypoint JUST bought the " debt '' WHILE my wife and I were/ ( still are ) under contract to buy a BRAND NEW HOUSE. This " debt '' literally just appeared out of nowhere and knocked my score back nearly XXXX points! Why? Oh, because it says " time since delinquency is too recent '' " length of time since collection is too short '' - UM HELLO? This was nearly seven years ago AND I HAD NO IDEA I OWED THIS MONEY. But what did I do? I IMMEDIATELY PAID IT. And did my score go up? NOPE, because they updated to show {$0.00} balance AFTER I PAID MONEY I DIDN'T OWE, even though they told me they would delete from my credit report!! NOW OUR MONTHLY HOUSE PAYMENTS ARE GOING TO BE AT LEAST A FEW XXXX DOLLARS MORE PER MONTH, BECAUSE OF THIS ONE SINGLE ***PAID OFF*** COLLECTION!! SCAMMERS, DISHONEST PEOPLE.It wasn't even that much money! So rotten. How do they sleep at night??
Product: Credit reporting or other personal consumer reports

I would like to dispute these item on my credit report. 

TransUnion : JPMCB CARD Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : RESIDENT VERIFY Inquiry Date : XXXX Creditor XXXX XXXX XXXX Inquiry Date : XXXX Creditor XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX I AM REQUESTING UNDER XXXX XXXX THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Every time I pay my Macys credit card bill in full I get charged a {$2.00} fee the next month. Before I knew about this shady financial practice I would ignore my Macys bill because I knew I had paid it in full previously but then that {$2.00} fee doubled and endured late fees and even went to collections. Several others are complaining about the same issue. I feel this is a fraud and possibly even worthy of a class action lawsuit. I would like all of the fees and late charges ever charged to my credit card after it had been paid in full to be reversed. Please look into this issue. It is not right.
Product: Payday loan, title loan, or personal loan

Credova illegally sold my account to two other companies. My agreement clearly stated that if my account was to be sold, i was to be notified in writing. That did not occur. They sold my account immediately and I have now been harassed for more than 6 months. The new company has no record of my payments made and can not provide me any information as to who they are or why they hold my account without permission. Additionally, credova tripled the amount due to them in that first 30 days of the installment plan. I have gotten the run around since XX/XX/2022 and no one seems to be able to answer my questions. Additionally, the illegal account holder at the new company also sold my information to a company called XXXX who is now harassing me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid a balance of {$26.00} on my XXXX credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the XXXX XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted XXXX, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with Experian, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.experian Claim ID # XXXX
Product: Mortgage

RE : Wells Fargo recent response with incorrect information documentation ( I did not state anything regarding my Health! ) stating that they were not seeking foreclosure on my mortgage, yet I have 2 letter 's threatening foreclosure in my hand. I also have my bank statements that do not coincide with their dates and payments or the over payments I've made to my account.

they sent to me an account activity statement that has half of the " supposed '' activity info cut-off. 
the correspondence does not mention the reversed payment they executed? 

I feel I have not been given the advice, or assistance they claim. 
I have the documentation! on the offer of utilizing the " Harp '' mortgage modification I was told I didn't qualify for and then told more recently I did. The offer was to restart my mortg. 
beginning again at a new 30 yr with lower interest rate and to pay fee 's over {$4000.00} in order to execute this offer.

I've spoken with three representative over the past year going into this year and a I have a recorded call with an agent stating that in fact i was not late but ahead 3 month 's and in the recent correspondence they deny this! 
I also have bank statement where my payments are paid and the dates do not coincide with theirs. 
spoke with : XXXX XXXX XXXX - Agent call recorded made return call Ms XXXX XXXX Ms. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$650.00}