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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 XXXX. The following account is not mine XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX CXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tradeline ( XXXX XXXX XXXX ) ( XXXX ) with Equifax which is reporting on my credit report 4 times for the same tradeline and they reported back that it was verified. I want that tradeline deleted as it is reporting 4x.
Product: Credit card or prepaid card

I checked my Credit Report in XX/XX/2021 to find Accts that were not mine. I called the credit bureau to confirm that i had no knowledge of them.
Product: Checking or savings account

On XX/XX/XXXX I found that there were four bill pay transactions totaling {$23000.00} to XXXX XXXX XXXX account XXXX. That same day I notified Wells Fargo. They sent me a letter sating that the transaction was authorized by me and the case was closed. I sent an affidavit claiming I did not authorize them. They again responded I did authorize them and I did not prove that I didnt authorize them and the case was closed. 

Timeline Wells Fargo Fraud Complaint XX/XX/XXXXXXXX XXXX payment made to XXXX XXXX account XXXX {$4700.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$9700.00} Claim # XXXX XX/XX/XXXX XXXX payment made to XXXX XXXX account XXXX {$4600.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$4800.00} Claim # XXXX XX/XX/XXXX I discovered the transfers and reported them to Wells Fargo by phone XX/XX/XXXX Wells Fargo wrote stating I was to send an affidavit within 10 days or the case would be closed. 
XX/XX/XXXX I went to the XXXX Wells Fargo Branch and the manager sent the affidavit by fax. 
XX/XX/XXXX I contacted Wells Fargo fraud and was advised they didnt receive the fax and closed the case. 
XX/XX/XXXX I went to the bank and the manager again sent the fax and escalated the claim. 
Escalation ID XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised the case again was closed. I requested documentation be mailed to me. 
XX/XX/XXXX I received a call from someone identifying as XXXX from Wells Fargo stating she was going to Investigate my claim and would email me by XX/XX/XXXX. 
XX/XX/XXXX I contacted Wells Fargo fraud checking for updates. I was advised the case was now assigned to XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised by XXXX that the case was closed. I was then transferred to the escalation section. I spoke to XXXX who said she would investigate my claim. I related previously speaking to a XXXX who called from Wells Fargo. She stated that was probably a fraudulent call. Never take a phone call from Wells Fargo. She said that her computer went down and she would call me back. I told her to email me instead. 
She never responded. 
I received documentation of their investigation which didnt make much sense to me since it just contained IP addresses. I assumed that they would contact XXXX XXXX and determine who received the funds and why.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number : XXXX Multiple inaccuracies between all the 3 credit reports On record until date inaccurate between all reports. 
XXXX inaccurate data for XXXX, XX/XX/2019. 
Inaccurate date of last payment, all 3 reports. 
XXXX dispute and reinvestigated with no updates to reports Disputed with TransUnion and XXXX with no updates to reports. Clear violations to accurate reporting practices by all 3 credit bureaus.
Product: Vehicle loan or lease

I purchased a motorcycle from a XXXX XXXX dealer. America 1st credit union was the lender used to finance the bike. The policy at XXXX XXXX is that you need to furnish insurance on the bike before you can take delivery of it. After a few months, the contracted payment amount of XXXX a month more than doubled to over XXXX a month. Apparently the type of insurance used wasn't what the credit union wanted so they added a {$3600.00} premium to my loan in the form of force placed insurance. According to the lender I was contacted via traditional mail to notify my. Not a phone call or an email which is how I'm contacted by them for any other reason. I use the same insurance for my other 2 bikes and it's never been an issue. I was able to remove a portion of the force placed insurance. About XXXX of the total amount. The remaining balance of XXXX the refuse to remove because I used the un needed insurance for one month and that is the monthly premium. XXXX for one month of motorcycle insurance. That's more than I pay per month for 6 vehicles. Also my payment is still XXXX and not the contracted account of XXXX.
Product: Checking or savings account

Dispute # XXXX There are XXXX fraudulent transactions that took place on my lost debit card, I originally attempted to dispute directly with chime bank and they denied it less than XXXX hours later with no proper investigation or evidence that it was not done in error. 

I did not authorize or make these transactions with the merchant XXXX XXXX XXXX XXXX - {$240.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  - {$5.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX - {$45.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$80.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX - {$24.00} XX/XX/XXXX at XXXX XXXX
Product: Checking or savings account

I am writing to formally request your assistance in resolving a critical issue involving a disputed transaction with XXXX XXXX. On XX/XX/2024, I attempted to withdraw a total of {$600.00} from a XXXX XXXX ATM located at the XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX Specifically, I made XXXX withdrawal attempts : XXXX for {$200.00} at XXXX PM and another for {$400.00} at XXXX PM. Unfortunately, the ATM failed to dispense the requested funds. 

This situation has placed me in a severe financial bind, as I needed that money to pay for my rent, bills, and essential living expenses. I immediately contacted both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report the issue and was informed that the resolution process might take up to XXXX days. I emphasized the urgency of my situation, but was told that I would still have to wait. 

Given the immediate and pressing nature of my financial obligations, I am unable to wait for such an extended period. Therefore, I am reaching out through this platform in the hopes of expediting the resolution of my case. I respectfully request that the matter be addressed as quickly as possible, as the delay is causing significant hardship. 

Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed a charge in XXXX and here we are in XXXX with no resolution. They closed the initial dispute I opened thru the app without contacting me because it was evidently not the correct type to file in the app. I called up customer service they fixed the error and opened a new dispute. They asked me to provide all the details in an email which I did. They then closed that dispute because I didn't fill out certain paperwork which they never sent. 

Finally in the start of XXXX they opened a third dispute on this case. They realized their error and claimed this would be " expedited. '' It's now a month later and they won't even reply to secure emails. Seeing as they have strung me along for months now and won't even respond I have no choice but to seek outside help. This is the worst bank I've ever dealt with by far.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I prepaid my loan see attached document. There is a credit balance of {$610.00} so I contacted your customer service to ascertain when the credit amount would be returned. I had the displeasure of making contact with a representative that offered no customer support whatsoever. I just need the credited {$610.00} overpayment sent back to me. American Express have held my funds as of this writing for well over 7 day. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got a notice from XXXX. my credit fell 194 in one day. I contacted XXXX XXXX. I learned they show me as a cosigner on three loans. The operator said the signatures look nothing alike. How can XXXX XXXX accept a signature for a large loan without checking the previous signature and requiring a notarized signature. I want my credit restored, the late debt has since been paid by the owner of the loans. I want to be removed as a cosigner. I have contacted TransUnion, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is taking longer than 30 days to investigate my report.
Product: Credit reporting or other personal consumer reports

I have come across the CFPB lawsuit with XXXX XXXX XXXX, XXXX. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute from EQUIFAX that the accounts were " verified ''. I insist you conduct a reinvestigation as you are required by the FCRA Law for the accounts listed below.

I did request information from your company as well but was NOT provided any details in regard to the investigation.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal. 
Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance XXXX XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX {$14000.00} Account XXXX Account XXXX Date opened-XXXX  XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit XXXX 's internal collection department XXXXXXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX Account XXXX Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account XXXX Account status-Closed Date opened-XXXX  XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card XXXX XXXX Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account XXXX Account status-Open Date opened-XXXX  XXXX, XXXX Account type-Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2023, I sent a letter to Equifax asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/2023, I sent a certified letter to Equifax stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report. 

On XX/XX/2023 Equifax swiftly responds to my certified letters asking me for more information so that they can investigate my dispute. This letters appears to be a further attempt by Equifax to stall the process of removing inaccurate and negative information from my report as now required by the FCRA.
Product: Payday loan, title loan, or personal loan

I have tried several times to get my title lien cleared so I can get a new title from Virginia DMV. 
I called Ditect Financial Customer Service Dept.XX/XX/XXXX to request the title be released from Greentree, which was the finance company that financed my motor cycle. Greentree merged with Ditect Financial. I was told a ticket was opened and they would get back to me on or before XX/XX/XXXX. No one ever got back to me.

I called again on XX/XX/XXXX and requested to talk to a manager. I was told that was not possible. I hung up and On XX/XX/XXXX sent a email to they complaint department. Received an email back stating that someone would get back to me in 3 to 5 days. No one has got back to me.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Product: Debt collection

I have been contacted by the same collection agency, Radius Global Solutions LLC, regarding a debt of {$56.00} on XX/XX/XXXX and on XX/XX/XXXX. I have disputed this debt as not being mine both times and it was removed from my credit report by all 3 credit bureaus. I have recently received a 3rd request to collect this debt from the same collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax I'm not here for a Dispute, this is a demand. This account/ report was created without my consent, an my privacy was violated. I want it removed.
Product: Credit reporting or other personal consumer reports

- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report. 
-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Product: Debt collection

I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. 
If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward.
Product: Mortgage

My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and Experian continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Product: Debt collection

This company Caine and weiner, has repeatedly added this charge to my credit report.It is over 7 years old.
Product: Checking or savings account

On XX/XX/XXXX, I sent a Bill Pay check on a relative for {$600.00}. I have sent money through Capital One 's Bill Pay before without an issue. When my relative reached out a week later saying they had not received it and reached out to the card investigation team. They told me that the check was en route and to wait until Friday the XXXX and if had not been received by then they would put a stop on the check. 

I reached out that Friday the XXXX and was told that they opened a case to stop the check. I received an email Monday the XXXX saying that the request had been denied. I called again and was told that they would re-open the case after I re-explained my issue. On Monday the XXXX of XXXX I called again and they assured me that the money would be put back in my account in 1-3 business days ( by the end of day Thursday at the latest ). When the money was not posted I called this past Tuesday, the XXXX, to complain that the money had not been returned and they again promised the money would be returned in TWO business days ( end of day Thursday ). I reached out again today since the {$600.00} has still not been returned and I was told by the employee and supervisor that the money would not be returned to my account until Friday or Monday which is now 10-11 business days after they told me it would be returned. The check STILL has not arrived at my relatives address and it has not been cashed. 

I told them I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 5 letters to XXXX, Experian, and XXXX  - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Product: Checking or savings account

Region keep trying to cash the same check 4 times in a row Why? 
See attached