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

Equifax Information Services LLC is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Equifax Consumer Report without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines which is a result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ).

15 USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law, EQUIFAX INFORMATION SERVICES must remove the following unauthorized inquires that were pulled without my written authorization and permissible purpose listed in my notice sent Immediately!
Product: Mortgage

XXXX XXXX suppose to cover our loan payments when my husband a Veteran was XXXX. XXXX XXXX sent us a letter with the claim # - XXXX, benefit # - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX told us our loans were not covered but we had chosen coverage when we applied for security purposes in case something happens. See attached documents that was sent to us by an employee of XXXX showing we had chosen insurance coverage. Same with our loan documents where it's showing we had chosen the insurance coverage for our payments. When we brought up this issue, we inquired about the coverage, XXXX XXXX employee said my husband is not XXXX although we showed his medical condition was based upon determination from the military veterans affairs and his doctors. XXXX XXXX is liable to disclose eligibility of customers under insurance coverage and we ask XXXX XXXX to make payments accordingly to our loans that was never applied.
Product: Credit reporting or other personal consumer reports

Was a Victim Of Identity Theft. Involved in ( 3 ) Data Breaches year ( XXXX ) ( XXXX ), ( XXXX ) Please check the information concerning the Transunion Data Breach below in attachments.
Product: Credit reporting or other personal consumer reports

I have several data breeches that has affected my credit Tremendously Starting back from XXXX  Starting with Fema until now because of identity theft and data breeches that shared important personal data information.i was sent out letters that involves me in data breeches such as Mail fraud, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI would like to know how to file for Relief Refund.
Product: Debt collection

I was contacted by a collection agency called MRS BPO. They have sent me numerous text messages and emails regarding a debt I do not recognize. I sent them a request for debt validation via email, US Mail, and text message and they refuse to validate the debt and have never responded to my requests to provide proof of the debt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3100.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed XXXX comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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. 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

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

My Coinbase debit card was stolen and used unauthorized online on XXXX. 
I reportedit immediately. 
They opened cases for each claim and so far denied XXXX claim. 
Case numbers are. 
Case # XXXX Case # XXXX Case # XXXX Case # XXXX Merchant name : XXXX XXXX -Date/time of transaction : XXXX transactions. 
XXXX XXXX XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX. XX/XX/22 XXXX XXXX pm XX/XX/22 -Transaction XXXX transactions XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} XXXX {$260.00} -Dispute amount ( must include original transaction amount ) : {$1000.00} -Was your physical card compromised? Yes -Is the card still in your possession? No -Was this a recurring payment? No -Have you purchased from this merchant in the past? No -Have you tried to contact the merchant to resolve? Yes -What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received?? None
Product: Money transfer, virtual currency, or money service

CashApp is not allowing me to access any of my funds. They have said that it's because my deposit from unemployment doesn't match the name on my account. The only difference between my deposit and my account is that my deposit has my middle initial. Otherwise, my name is the same. It's been over 48 hours now since I've been able to access my funds. I've submitted documents showing my ID and still can't get to my money. I have no groceries in my house and I'm unable to buy any because they have continued to freeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to respond to their unjust actions against me and my consumer profile. 
I contacted the CFPB on XX/XX/2021 and reported that Equifax removed an account from my consumer profile on XX/XX/2021 because of the proof in my dispute, which I have attached again below. XXXX  and XXXX removed the account from my consumer report as well and it remains off because there is no proof of verification or validation. 

When I submitted my complaint to the CFPB, Equifax sent in a generic message to the CFPB not directly dealing with the situation. A few weeks later I received a credit report from them stating that they 'verified ' the account with absolutely no proof attached.. they are violating my consumer rights. 

I sent proof in to the CFPB that Equifax removed the account and still nothing has been done. 

Equifax reinserted the account onto to my consumer profile without any type of notice to myself and they did it without any proper verification or validation. 

According to FDCPA 15 USC 1681i ( 5 ) ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts 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 a 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.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Mortgage

My complaint is that Wells Fargo acquired my loan from XXXX XXXX in XXXX and Wells Fargo is trying to foreclose on my property with fraudulent documents. I notified Wells Fargo about my husbands signature being forged on the non borrowing spouse signature page and that the page was also notarized. I requested a copy of my original note and Wells Fargo sent me a copy stamped that the documents were certified to be copies of the original and I discovered the forgery. I have yet to receive a response from Wells Fargo. My understanding is that its against the law to foreclose on a property with fraudulent documents. I had to file chapter XXXX in order to stop the foreclosure. I have a statement from several Wells Fargo stating that my loan was handled correctly. I have proof that that 's not the case. I requested that Wells Fargo supply me with the notaries log page that should have my husbands drivers license number, thumb print and signature. I have yet to receive that also. Wells Fargo is suppose to make sure all documents are in order and correct before foreclosing and they did n't. Wells Fargo has already been fined for robo-signing and it looks like they are still doing it. I tried to work things out with Wells Fargo by requesting a loan modification and also asking for a settlement payoff amount. I have someone that was willing to pay Wells Fargo cash to payoff my loan and become my new lender. Wells Fargo needs to rectify this problem that I am having with.
Product: Money transfer, virtual currency, or money service

To Whom This May Concern : This is the second time I file, I filed with my own personal bank XXXX  XXXX XXXX and informed them I was a victim of a scam. After a long winded detailed report informing my bank I was a victim of XXXX fraud they refused to return {$2800.00} dollars I was scammed of. 

COMPLAINT ID XXXX Now, I am reaching over to the bank whom actually received the money, handles the money of individual and has all the information of the individual whom actually stole the, money in the process of the fraud/scam and requesting the information of the actual individual so I can take proper legal procedure. 

I need all the proper information to take the individual to court : Full Name : DOB : Address : Driver 's License : Phone Number : Social Security Number : Essentially what I need is all the information the person had to submit to the bank in order to open a bank account.. 

I have wasted time, money and energy in this process along with pain and suffering, I asked for the {$2800.00} to be returned and has yet to be returned. I am not a lawyer by any means, but the time I have invested in my own case should be compensated in this case. 

I will remind the CFPB this is the propose of your existence, and I would like the money I was scammed out of back or if not the proper information so the person whom scammed me and others like is brought to justice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchase a XXXX XXXX XXXX form XXXX XXXX XXXX at XXXX  for {$31000.00}. On the same day Wells Fargo Dealer Services was named assignee. On or about XX/XX/XXXX i asked Wells Fargo Dealer Services to remove there name off of my title and off my Credit. Wells Fargo Dealer Services refused to remove their name and form XX/XX/XXXX threaten me to make payments. And when i did not make payments they repossessed my vehicle. Well Fargo Dealer Services did not ever give me a loan or finance any thing for me. I asked Wells Fargo Dealer Services repeatedly to stop harassing me to make a payments that they did not earn or for Services i did not ask for.

Well Fargo Dealer Services have collected over XXXX form me by intimidating and threaten to deprived of property. 

On XX/XX/XXXX Wells Fargo issued a reimbursement check of {$4500.00} to me and proposal that Wells Fargo an additional {$300000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
Product: Checking or savings account

I am filing a formal complaint against Capital One Bank for failing to process my direct deposit on the scheduled payday, XX/XX/year>. This delay caused significant financial stress, as I rely on timely access to my funds to meet my obligations. 

Despite the delay, Capital One did not notify me or provide any proactive communication regarding the issue. I only became aware of the situation after independently searching online, where I learned from news reports that thousands of customers have been affected by a technical issue related to the banks service provider. 

According to multiple reports, including from XXXXXXXX XXXX and XXXX XXXX, Capital One has acknowledged a service disruption primarily affecting direct deposits and is working to restore its systems. However, these public statements do not excuse the lack of direct communication to customers or the failure to provide updates about when delayed deposits will be processed. 

I am seeking the following resolution : 1. Immediate deposit of my unpaid funds.

2. A clear explanation from Capital One regarding the delay and their plans to prevent such issues in the future. 
3. Assurance that customers will be promptly notified of any future disruptions affecting their accounts. 

This delay has caused undue hardship, and I urge the CFPB to investigate Capital Ones handling of this situation to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter.
Product: Credit card

On XX/XX/year>, I used my bank debit/credit card ( PNC Bank ) to purchased tickets to travel from XXXX XXXX XXXX XXXX XXXX. I purchase the ticket from XXXX XXXX XXXX counter. After charging my card the ticket agent could not give me tickets because the charges was in pending. My son credit card was used to purchase the tickets. I was told by XXXX XXXX agent that a refund will be issue back to my card. After returning back home on XX/XX/year>, the airlines claim that they funded the {$860.00} back on my card on XX/XX/year>. XXXX XXXX  still claim that the money was refunded. 
I called PNC Bank on XX/XX/year> inquiring about my {$860.00} that the airline refunded and they told me that it was still in pending on XX/XX/year>. I check my account and there was no pending and no refund amount showing in the account as of XX/XX/year>. PNC had totally taken any evident of the {$860.00} take by XXXX. PNC reconstructed my account format. I call PNC bank XXXX days ago and was told that they have no record of the transaction. When I told them that I printed out a copy of the transaction, they asked me to take to a banking center but I refused and since then I been getting texts, emails and calls from different representatives from their bank. They refused to acknowledge any pending from XXXX XXXX. XXXX XXXX also denied that there was tickets purchased from the on XX/XX/year> after PNC bank had taken the total transaction out of my account.
Product: Student loan

My student loan application containing sensitive information such as my social security number and financial information were shared with the nonvetted non government entity XXXX. I did not authorize this action and did not give consent verbally or via signature to allow this XXXX party to access the most sensitive information about me.