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

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; WELLS FARGO CARD SERVICE XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. 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. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO UNAUTHORIZED HARD CREDIT INQUIRY.
Product: Debt collection

I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 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: Checking or savings account

On XX/XX/XXXX I deposited a check from my personal account ( XXXX ) to my business account at Bank of America. When I made the deposit at the Bank of America branch I was informed that there would be a hold on the deposit until XX/XX/XXXX and given a hold notice via receipt. Relying on this information, I wrote employee paychecks for deposit on XX/XX/XXXX. On XX/XX/XXXX I received email notice that the hold on my business account at Bank of America would be extended until XX/XX/XXXX. This extension of the hold on my deposit caused all of my employee checks to bounce even thought the check I deposited into my account from XXXX had cleared. 

I immediately went back to the Bank of America branch on XX/XX/XXXX after getting the second hold notice and also followed up by calling the customer service number and speaking to a representative and supervisor. No one was able to resolve my issue and all of my employee paychecks bounced. 

This has caused me and my business extreme distress and seems to be a very unfair and deceptive practice.
Product: Vehicle loan or lease

The interest rate that I am being charged is well above the industry standard and is causing me a great deal of financial strain and stress. The company is Santander Consumer USA , INC. In 2021, I spoke to these people about the outrageous interest rate charge, but they did not care and would repossess the vehicle if not paid. We had to pay because my husband needed his vehicle for work and it was a struggle every month. We were barely getting by and then my husband is now fighting XXXX and we notified them again about high interest rate and that the vehicle is for my husband to attend physician visits and more but every month the bill comes the balance of $ XXXX does not go down. With payments of {$880.00}, {$180.00} goes to the principle and {$690.00} goes to interest, we will never see it go down. We have so much to deal with regarding my husband 's illness and I am his wife, support system, caretaker, and handling all household duties, chores, and looking and writing for resources and I am about at a breaking point. This company is heartless and is quite ugly when they are on the phone. They agreed to give us 2 months break in our payments but said that will just be applied the end payment for XXXX and XXXX of this year but are not willing to extend anything further.
Product: Debt collection

In XXXX of XXXX, i received a letter from Rausch Sturm, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
Product: Mortgage

I had been current with my mortgage payments with Bank of America since XXXX, up until early XXXX when, because of financial hardship, I was forced to stop making debt service payments. Before defaulting on my mortgage loan obligations, I approached Bank of America towards the end of XXXX to request assistance under the National Mortgage Settlement of XXXX. According to the settlement, every client who was current with their payments would be able to refinance. But instead of receiving any kind of assistance, Bank of America suddenly and abruptly sold the servicing rights to my mortgage loan to a company called XXXX XXXX XXXX. After this happened, I have not received any kind of assistance or any replies to my requests for assistance. In XXXX of XXXX, XXXX XXXX XXXX transferred the servicing rights to my mortgage loan back to Bank of America. To date, I have not received any responses to my requests for help.
Product: Checking or savings account

So I deposited a check into my account and it cleared in 2 days, once it cleared I transferred money into my savings account then 2 days after that they then put a hold on that check and both my accounts, I've called the fraud department and they tell me go into the branch and talk to manager, I go into branch and the manager tells me I have to call fraud department, now they are telling me they are going I close both my accounts which is whatever the problem is I had money in my account before I deposited the check and they won't give me my money and now they are telling me it's going to be all the way until XX/XX/XXXX, it's already been 30 days since this originally happened and they won't give me any of my money, in now homeless and everything I've had set up through automatic payment is defaulted and I'm completely screwed. I don't know what I can do but this doesn't seem right in any way. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.
Product: Vehicle loan or lease

Someone made a payment on XXXX finance account of {$300.00}.
Product: Mortgage

Trinity Financial Services LN XXXX XXXX XXXX CA XXXX We have been calling Trinity for the last several days. It goes right to voicemail and no one will pick up the phone, nor will they return our phone calls. 

Have they closed down? Have they been seized by the Feds?
Product: Debt collection

Last year they collected my tax return in the amount XXXX dollars, i do not recall about this medical bill at all and they never verified the medical bills for whicth services detailing what procedure that i did there.I never signed any paper to share my last 4 number of my social security. I enclosed the nitice of hearing for next month, i did not go to the hearing of last year because I did not recall this medical bill at all
Product: Credit reporting or other personal consumer reports

Please refer to complaint number XXXX filed on XX/XX/23. Experian response stated that I did not give specific details. The documentation that was uploaded was very specific. Experian was instructed to removed certain accounts, update personal information, and correct inaccurate information. I have been disputing with this entity for XXXX XXXX and I have provided an abundance of evidence supporting my disputes. I have asked for several documents and none has been provided. Experian is obligated by the FCRA to report accurate accounting. Experian is liable under the SEC ( Securities and Exchange Act ). All rules must be adhered to. Experian CIK number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be auditing consumer account. Experian is securitizing consumer data.
Product: Debt collection

XXXX XXXX XXXX XXXX Provided a service in that was not properly ran through my insurance. The then remaining balancing was not requested at the service address. By the time i was informed of the balance by WAKEFIELD & ASSOCIATES it was to late to request that my insurance run a past due balance. i have attached my proof of coverage and current Social security wages statement. 
My credit report shows the date opened as XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  The Account With ( XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX ) XXXX, ( XXXX XXXX  ) XXXX 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 instructions
Product: Checking or savings account

I would get an overdraft fee multiple times even when my payment was pending
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX Account Number XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Requested wave from Late payment 30days from XXXX XXXX account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that XXXX Payment was paid. I continued to receive a message that I couldn't pay for it in XXXX XXXX, but I thought it was a wrong message. Later, I found out that Debit Card had a XXXX  XXXX payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down o ver 100 points. I want to make a good credit and I will ask you to exclude the  credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found incorrect information and a fraudulent account furnished by a credit reporting agency. I have called/emailed and mailed out information to all credit reporting agencies with the correct information for update. After waiting months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer and therefore mark grounds for deletion. All information reported must be accurate according to the FCRA. 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. States a consumer reporting agency can not furnish any account without my written instructions. This has caused great damage to my credit report and needs immediate attention. XXXX XXXX XXXX XXXX is the fraudulent account that needs attention please.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information. Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries. Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws.

Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out.

I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial distress caused by their non-compliance.

I look forward to a swift and effective resolution to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My checking and savings accounts were compromised on XX/XX/2024, and although I reported it within minutes, my accounts were not protected. During the overnight period that night, my account was drained of a little over {$700.00}, and attempts were made to get over {$15000.00} more. This money was all I had. I filed a dispute and the missing money was provisionally credited back to me, but then my accounts were locked and I had no way to access it after I received a debit card to replace the one whose number was used to access the account. Several days ago I received an email that it had all been resolved and the money had been credited back to my account, but then I was told that they were closing my accounts. I have asked specific questions to the department that handles these cases, but have received no answers. I receive a protected direct deposit of XXXX XXXX XXXX, and had asked if it would be impacted by the account freeze, but no answer. I have had these accounts for about XXXX  years, and my family 's only income is my monthly direct deposit of XXXX XXXX. I have emailed them almost daily, letting them know that my situation is pretty much at the emergency level, since we have no money for food, have not had any money to repair a pipe break, so no water, have lost our transportation and will soon be without phone and internet service also, and have just missed our second rent payment so will probably be evicted next week but have no way to even move or store our belongings, and can not access needed medical treatments or medications. We have managed to survive for XXXX weeks on the less than {$1.00} in my wallet, and I really need to be able to get enough of my money in my hands to be able to pay rent and buy food without waiting another XXXX XXXX XXXX for an ACH transfer or a paper check to arrive in the mail. I am not sure we will survive that long without food, water, or shelter, but they are refusing to even answer my attempts at communication. In my last email to them, I did inform them I would be filing complaints unless they contacted me. I have verified my identity with them several times, the latest being XXXX days ago. I did not receive a confirmation of that verification, and I am starting to suspect that they are somehow culpable in all this. I have done nothing wrong and their handling of this matter has been completely insensitive and unprofessional. I was unable to attach copies of all the emails but I have them ... if anyone needs to review them, I can forward them separately.
Product: Debt collection

Portfolio Recovery is reporting inaccurate and inconsistent information on my credit report. This collection is only reporting on my XXXX. According to the FCRA all information must be accurate and consistent. This is not. This is hurting my credit report and score.
Product: Debt collection

In accordance with the Fair Credit Reporting act Convergent Account # 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