23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A : On XXXX XXXX, 2022, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/2022 HusbandXXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XXXX XXXX, 2022, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
XXXX : Since XXXX XXXX, 2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX / XXXX # XXXX ), ( XXXX 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.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX US DEPARTMENT OF EDU XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We are a bank and worked for months with XXXX and Experian to get our data reporting switched from in house to our core processor submitting the files. 
We were not notified by XXXX or Experian that our files were not uploaded, so consumer information was incorrect for months. 
I talked on the phone and emailed with different departments with no call back or email back. 
When data was finally uploaded, we did not get a confirmation that it was completed.
Product: Credit reporting

XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I borrowed {$400.00} from the Solo Funds App. The loan was approved but with stipulations. In order to revive the loan I had to tip the lender and I had to leave a tip for Solo funds in the amount of between 7-10 %. I requested the loan be deposited into my account via ACH. I also selected that I could repay my loan within 15 days. This means the due date would be tomorrow XXXX  The issue I have is that once I request the loan and it was approved o was told I would receive the funds in 1-2 business days. Unfortunately I didnt receive the funds until XX/XX/ late at night. This date was 8 days passed the agreed loan funding date. To make matters worse, solo funds explained when I reached out that the funds were severely delayed because they were having issues and so was their banking partner. I didnt know this until I reached out and complained. It only were they not forthcoming about having issues but they also didnt notify the lender that I had not actually received my funds yet. By the time I did get my loan, I would have only 7 days to pay it back. I asked to get a due date extension since the loan funds being delayed were not my fault. Solo stated and admitted that it was their error and their banking partners error. They refuse to extend the due date and tomorrow if I do not pay i will be reported to the credit bureau and I will be charged daily late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/XXXX i have a fraud alert on my profile for over 5 years
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX our mortgage was transferred to this company from XXXX We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, XXXX and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
Product: Debt collection

I received an email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I live in the XXXX, my time is 6 hours ahead ). It informed me that a debt was being collected. 

I would like to preface this by stating that because I live in the XXXX, my primary means of communication is email for those in the XXXX, as I can not make long distance calls. 

I googled information, and found out that I could request a Debt Validation. I replied to the email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX my time. I replied to the initial email that was sent to me. 

I received another debt collection letter on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on the XXXX XXXX XXXX XXXX XXXX XXXX  my time. It was once again requesting my payment to my account number. I again sent another Debt Validation request to the email that was sent to me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX. I did not respond to this. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I received another email. I send another Debt Validation request to the email that replied to me AND two other email addressed. I sent it to an accessibility email address AND to another address containing HWI ( this is important for later ). 

I received another email on XXXX XXXX XXXX XXXX XXXX XXXX I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I did not reply to this, HOWEVER I did go to the website and got in contact with an agent on the Live Chat. I asked if I could send an email to request a debt validation, since I figured my emails were not being looked at or I was sending them to the wrong email address. 

I found out that on the third email that I sent, I sent it to the correct email address. I was provided with an email containing HWI. They told me to contain my account number, and I did in the body of the original email that I sent. I have not sent another email yet, as I feel that they have overstepped and should have validated the debt over a year ago. 

I took a screenshot of the entire chat with the live agent. I have every email mentioned in this report. I will take screenshots of them for safekeeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that Equifax allowed for my personal identification information to be stolen. I have tried to place an alert on my account but they say they are unable to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank the a predatory practice of ending online account access for consumers if their checking account goes negative, without electronically notifying them with the details. People who have chosen to receive paperless billing are unable to view the 21 day bill notifications required by the Truth in Lending act. This caused me lose access to my accounts During the covid 19 pandemic when the bank was making changes to the bill due date of my line of credit without my approval. This also resulted in me not being able to pay my bill after being notified by phone. 

My bill was due XX/XX/XXXX. I received the first notification of the overdue by phone XX/XX/XXXX. I tried to pay the bill through online access on XX/XX/XXXX ( A Saturday ) but the account was locked out and bank closed until Monday. I paid the bill Monday ( next business day ) at XXXX XXXX through the drive through.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts on my credit report for various reasons, I asked Experian and XXXX to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked Experian and XXXX to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.Experian and XXXX decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for Experian and XXXX to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Kickoff Lending for their willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and noncompliance with Metro 2 and CDIA ( CMI ) reporting guidelines. 

Kickoff Lending is reporting a charged-off account on my credit report with XXXX while simultaneously showing a balance of {$8.00}, a credit limit of {$500.00}, and available credit of {$490.00}. This is materially inconsistent and misleading. The account also reflects a bad debt/collection status despite not being in active collections and having a minimal balance, which further damages my creditworthiness.

Additionally, I requested full debt validation, including the original signed contract and payment history. To date, Kickoff Lending has failed to provide any verification, violating FCRA sections 1681i ( a ) and 1681s-2 ( b ), which mandate reinvestigation and furnishers duty to correct or delete
inaccurate information.

Theyve also been sending me emails claiming my requests are frivolous. Theyre saying I cant use a credit repair company, but theres no law prohibiting me from doing so.
Product: Debt collection

This account was never set up by me. I have no knowledge of this account, I found out by looking at my credit report.
Product: Credit reporting or other personal consumer reports

Student loans were forgiven via PSLF. Equifax will not comply and adjust the balance to XXXX. I have made several online disputes.
Product: Credit reporting or other personal consumer reports

My account with HONDA FCU was never late! I have had exceptional payment history with HONDA FCU and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


HONDA FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

On XX/XX/XXXX I was transferred from XXXX to MOHELA. I have been on income based repayment plans since I started repaying my loans in XXXX. In XX/XX/XXXX, I was placed on PAYE. In XXXX of XXXX, I updated my income for PAYE through MOHELA and was approved for a payment of XXXX. I recently applied for the SAVE plan. While applying, I noticed they placed my account on the standard LEVEL plan, and my payment is set to be XXXX. They did not inform me of this change. I called, they are not sure why this happened and claim they are unable to put me back on the plan that they approved me for in XXXX of XXXX. They now claim I am in forbearance until the SAVE application is approved, but I was not informed of this, nor did I request this. I still have no evidence that I am in forbearance.
Product: Vehicle loan or lease

On Saturday XX/XX/2023, around XXXX XXXX XXXX I received a call from SAFCO a rep named XXXX. I was told the call was being recorded and I also told XXXX I was recording the call and since there was no rebuttal from her, we continued with the call. She was calling about a late payment. I just happen to forget paying it and that made it XXXX  day past the due date which is the XXXX of the month, although I told her it would be paid before the day ends. I asked about a grace period and was told that there is no grace period. However, businesses are supposed to have a grace period ( XXXX  days ) according to my research. Since SAFCO is in Florida, Florida law pertaining to grace periods on a used auto loan is centered around Florida 's XXXX grace period. 

Now According to 15 U.S. Code Sec.1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore, I am making this complaint because it is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX -Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on a journey to fix my credit score for the last two years. I have learned that I have consumer rights that if not used can and will have consumer reporting agency take advantage.The inaccurate reporting over the years has damaged my ablility to get new lines of credit or make the terms of credit more expensive. .Inaccordance 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. 
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,, 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.

I have never given written instructions to have any of my consumer transaction to be public record of my private personal information to a third party consumer reporting agency.

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.

As you can see on my credit report I have made numerous attempts to have these consumer reporting agencys to verify the accuracy of the accounts to which they have not done a 100 % complete and accurate investation as you will see on my credit report.