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

XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Mortgage

Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.
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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Complaint Regarding Credit Reporting Inaccuracies and Discriminatory Practices Dear Sir or Madam, I am writing to formally complain about Equifaxs handling of inaccuracies on my credit report and the discriminatory impact these errors have had on my financial opportunities. Despite my repeated efforts to resolve this matter, Equifax has failed to address my concerns appropriately, which has resulted in ongoing financial harm and adverse treatment. 
The primary issue involves a settled XXXX XXXX XXXX XXXXXXXX account that is inaccurately reported on my credit file. This erroneous reporting has severely impacted my credit score, leading to denial of housing loans and other financial services. These adverse actions are directly tied to Equifaxs failure to maintain accurate records as required under the Fair Credit Reporting Act ( FCRA ). 
Equifax has compounded this issue by sending me repeated stall letters, claiming they require additional identification or are unable to locate my credit file. This is despite the fact that I have submitted my drivers license and other identification documents multiple times, as documented in prior complaints to Equifax and the CFPB. Their lack of resolution suggests systemic negligence or intentional disregard for my rights as a consumer. 
Moreover, I believe this situation raises concerns under the Equal Credit Opportunity Act ( ECOA ). By allowing inaccurate and damaging information to remain on my credit report, Equifax has contributed to discriminatory outcomes, such as denial of financial opportunities, based solely on a flawed credit history. This is a form of financial discrimination that disproportionately affects individuals like me and undermines the fairness and integrity of the credit reporting system. 
To further address this issue, I have contacted my local XXXX headquarters to seek advocacy and support. I believe my experience reflects broader systemic issues within credit reporting agencies and their treatment of consumers. 
I respectfully request that the CFPB and FTC : Conduct a thorough investigation into Equifaxs practices regarding my case and others similarly affected. 
Hold Equifax accountable for violations of the FCRA, ECOA, and any other applicable consumer protection laws. 
Require Equifax to promptly and accurately update my credit file to reflect the positive information status of the XXXX XXXX XXXX XXXX account or delete if from my file. 
Implement stronger oversight measures to prevent future occurrences of inaccurate reporting and discriminatory outcomes. 
Enclosed, I have included documentation of stall letters, Drivers License, ect. I urge you to take swift action to rectify this situation and hold Equifax accountable for their failure to comply with federal regulations. 
Thank you for your attention to this matter. I look forward to your response and resolution of this issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.
Product: Debt collection

I am not liable with a debt with XXXX XXXX XXXX billing. I do not have any contract with Designed Receivable. This is an invasion of my privacy and defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to XXXX XXXX and equifax and still no correction.
Product: Mortgage

I Applied for HELOC With BoA on XX/XX/XXXX Submit all the documentation My credit score was aceptable by the bank guidelines. The House has a positive equity. Application number # XXXX value {$380000.00} requests amount {$65000.00} Initial advance at closing {$35000.00}. I was contacted by XXXX XXXX at XXXX XXXX XXXX XXXX. on XX/XX/XXXX I was told that the bank ca n't borrow the {$65.00} K only $ XXXX ask why he said that value of the house $ XXXX, Finally I said Ok I accept that amount, Follow the conversation he contact me with closing team comferance call with a closing team for the loan. She read the disclouser HELOC amount interest rate for 12 months discount and after that increase around 1.25 % more. I was agree with everything she said to me. We all three said good bye on Agree. TKS. 

Next day I received a phone call from the angry Laddy at the HELOC department that my Loan was denied. I Was shock and upset by the decision .I ask what happen I was agree on everything with closing team. She said that underwriter person decided not to go with the loan. I spoke with underwriter and he apology several time, The apology is nothing to me I need the fund. 

I asking the bank to review the underwriter decisicion. They first appoved the loan and latter day they denied.
Product: Vehicle loan or lease

Bridgecrest illegally repossessed my car in XX/XX/2023. They sold the car for XXXX and I I owed XXXX. They sent I paperwork first that I owed XXXX and then XXXX. Complaint to XXXX received an rejection or accepted to XXXX for which they owed me. Never received any corrected paperwork. Ive tried to communicate cant get a manger its been 4 months and still no understanding why I havent received anything.
Product: Money transfer, virtual currency, or money service

It happened when I went though my Wells Fargo app on my phone to pay my credit card expense. Then I realized I was missing quite a lot of money than I should have. So I checked my history of debit card, found out there was {$600.00} been transactioned in the past, 3 days ago when I send {$30.00} to my friend for gas money. So I imeediatly contact to my banking service, Wells Fargo Fraud department and requested an claim for this problem and close my account for safety. I was confused if I send these money since it was a XXXX, not like an XXXX or anyother purchase, but I found out the name on the transcation history is impossible for me to send that money even by a mistake. The history only shows up on the final transaction. Doesn't show up on my XXXX activity history and the name doesn't show up on my reciepitant list. So it is impossible for me to transfer this money to a stranger by a mistake. I assume it's somebody hacked my account, logged in and send the money or did it in another way. 

After I claimed it, I got an email about 7~8 days later saying, contact Wells Fargo Fraud Department which I did and they answered the transcation was legitalment and already made so there's nothing they can do. I asked for more details and they repeaded about the transcation is legitament which I guess it's their system not letting to go further. In fact, one of the agent mentioned they might not have access, but they will try. So I believe I only got provided with limited information and I want to see if this decision that was made by their department fair. And I really want to get my money back if possible. It might not be a lot, but it is covering about half of my housing contract for my new school at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against Experian. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX  Account XXXX : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by Experian include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against Experian for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law.
Product: Debt collection

I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX : {$0.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Product: Mortgage

Box Home Loans A Division of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are you having a 5 star experience? Let my manager know : XXXX Applied for mortgage and was not provided a denial letter or any concrete information on my denial. Was not provided any information or how to correct the problem. XXXX XXXX would not return any of my calls. The times we did speak, he spoke in a condescending way such a multiple time referring to the information as mines, instead of discussing the problem.
Product: Money transfers

On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax dated XX/XX/2018 confirming an address change within the last 30 days. The letter stated that if I had any questions to call the toll-free telephone number and provide my PIN. I had been a member of the Equifax security breach and had placed a security freeze on my credit file. I spoke with a representative and explained that I had received the letter and it caused some concerns since the NEW address is an address that I have lived at for the last 12 years. The representative, without asking me any information told me to disregard the letter. I replied that was not a sufficient response and wanted to know why I was receiving the letter. It had caused me quite some concern because the letter could have been fraudulent and I was providing my PIN to criminals. I asked to speak with a supervisor. 
My conversation with the supervisor was even more disturbing. She could not provide me with an explanation as to why I was receiving a letter confirming a recent address change. I explained that Equifax during the last 12 years had to have my current address on file. She was extremely rude and told me, " Why don't you call your creditors and ask them why they notified Equifax of my address change. '' This made me even more concerned. I asked how can anyone but me contact Equifax to change my address. Even so, any of my creditors within the last 12 years would have had my current correct address. 
My complaint is that even with all the troubles Equifax has had within the recent years, they are still doing nothing to protect individuals personal credit files. When contacting them, they are not helpful. Their representatives are extremely rude.
Product: Checking or savings account

On XX/XX/ I noticed several overdraft fees in my checking account. I immediately transferred XXXX dollars to the SSFCU checking account from my XXXX acct. 
The funds showed up in my account as two deposits highlighted in green, showing available. 
I then resumed using my debit card with no issues until it gets declined for no reason. 
I look at my acct again and SSFCU had charged me 8 more overdraft fees for my latest purchases. I questioned why they overdrafted charges when funds show available, I was told they werent availble but since I have overdraft protection they will keep covering my overdrafts until a XXXX limit. 
The credit union actually stopped my access when charges reached XXXX dollars. On the XXXX I spoke with an SSFCU associate who said that my deposit on the XXXX came in after charges. I explained to her that the deposit was done in the morning. I asked for the times of the charges and she was unable to give me accurate info. 
I was charged 12 overdraft fees of XXXX in a span of two days, deposit was sent in the morning of the XXXX. The credit union allowed access to funds and then overdrafted in a predatory manner.
Product: Credit card or prepaid card

On XXXX, XXXX, XXXX, I called my skylight One XXXX at XXXX pay card concerning a FRADULENT!! ATTEMPT onmy pay card for ( XXXX for XXXX XXXX ) item was Declined, due to lack of funds in my skylight One account. Then a second fraudulent pay card Decline was for some place called XXXX XXXX, skylight One WOULDNT give me that fraudulent decline amount. Then a third Fraudulent Decline attempt on my pay card account was for something called XXXX XXXX skylight One would NOT disclose that amount to me either! Skylight Licked, cancelled my card ending in ( XXXX ), said they would forward my new card, I should receive by the XXXX of XXXX!! When I got paid today, ( XX/XX/XXXX )!! With no access to my card funds! And skylight quite answering phone! Put Me on HOLD XXXX XXXX mins at a time, and refuse to disclose to me any more information concerning their Pay Card Breach! Refuse to give me the phone number to XXXX Bank, who issues skylight One pay cards. I was able to set up a skylight One online account when I first got card XXXX, but after that initial set up I continued to be BLOCKED from getting to my online skylight One pay card,! and skylightOne NO HELP!! Requested to speak to a Supervisor MULITIPLE TIMES!! Was just left on hold! With HORRiBLE Music playing in my ears. To this point, I have Reported this fraudulent attempt to use my card to Local Police, of XXXX, IL. I have tried to reach NetSpend with NO SUCESS What SO EVER!! My Pay Funds are Frozen, and Skylight tells me They can't help me get to my pay funds!! That I just have to waitw for new card!! WHY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent more than 4 1/2 hours on the phone today, trying to get let a freeze lifted from my credit report with the TRANSUNION people!! My entire day was ruined and I still have no solution. I am trying to get a refinance on my home and this is an URGENT matter. My mortgage broker was also on the line while we tried to get help, but two or three people finally got on the phone, and said they would call a supervisor because they couldn't help, but then at one point or other in their questioning, ( and I repeatedly was asked to verify information about 6 or 7 times this afternoon. ) suddenly the line would go dead... apparently they had hung up! .this happened twice this afternoon and then again twice tonight. I was trying to stay calm and answer all their questions again, but two of them had heavy accents and when I answered their verifying questions, they said my answers were wrong..twice!! 

At one point they " suspended '' my account because of the wrong answers. The questions were from 2010 where I lived and ones like that, and the way they were worded was confusing with other questions, and it was hard to even understand what she was saying! Now I have a message that '' the credit freeze service is temporarily unavailable '' No one there is able or can help... when they can't they just HANG UP!. This is preventing me from going any further with my refinance so it is URGENT. Please help. Thank you. this is atrocious behavior on the part of Transunion!!!!. They don't seem to CARE at all..when the supervisor gets on the phone and then hangs up after I explained what I had been going through., I have a witness to all of this, the mortgage broker as well. I need this refinance in order to keep my small business operating!! Please help me get this credit freeze lifted with this obnoxious, uncooperative company! Thanks you. XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Proof of Debt Assignment, Notice of Assignment, any information other than the basics to prove the validity of this claim. Proof that they notified me with in the legal time limits of receiving the debt and or choosing options for deleting the alleged debt. This action is deliberately done to park debt on my credit report. Which is a violation of consumer rights.
Product: Credit reporting or other personal consumer reports

Several credit accounts, addresses and inquiries appear on my credit report that do not belong to me.