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

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name :XX/XX/XXXX# : XXXX Account Name : XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 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 with my written instrutions. 
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 XXXX 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: Mortgage

I closed my mortgage loan with US Bank my account # XXXX under XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX in XX/XX/XXXX. At that time I signed a servicing disclosure stating US Bank was to pay my property taxes before XX/XX/XXXX directly from my escrow account. I found out on XX/XX/XXXX that they did not pay our property taxes. I had XXXX in my account and my property tax bill was {$5300.00}. I had to scramble around to pay my taxes so I can use the deduction on my XX/XX/XXXX Federal and State tax  return. On XX/XX/XXXX I paid my tax bill. On XX/XX/XXXX I called and faxed my paid receipt to XXXX they showed receipt of my reimbursement memo on XX/XX/XXXX. To date I have contact them 4 times asking to be reimbursed for my taxes and also to be reimbursed for them holding too much money in my escrow account. I should not have to continue to wait for a response or reimbursement. My escrow account like I said also have over {$2000.00} in it much more than needed. This is my last try to get them to respond. I want my reimbursement now.
Product: Money transfer, virtual currency, or money service

i had a previous complaint closed but the problem was not solved and the US BANK was not true.What should have a very simple intra bank transfer from my IRA account to my checking was 8 weeks of frustration. If the CFPB had not gotten involved i would be still trying to get my transfer done.The USBANK response was not true and problem is still not fixed.WHY would the bank be dishonest.This should not be possible but it is and this the reason for this complaint. Thank response was not factual.the response said a letter of XX/XX/XXXX was sent saying that my request was being returned because the birthday was either missing or wrong.NO letter was received and nothing could be returned because the request was made by .There was nothing to return .and the transfer was rejected because of an error in name address DOB or SS #. NOT true true. .t he request for transfer was correct.in respect to the bank response to the problem .They backdated the to XXXX. I don't think this was legal.There was active claim in XXXX nor was there constructive receipt in XXXX. After all this the problem is not solved and could have a TAX problem.I think i understand what is wrong at the bank and i am also know that there are others with this issue..USBANK MUST FIX THE PROBLEM. If not the customers will be able access there and they to will have tax problems and lots of misery.The bank employees made misstatements so they could move the problem somewhere else because they couldn't fix it.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address XXXX Non-Issuance by Collection Agency I am filing this complaint against XXXX, Transunion, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : XXXX. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Debt collection

My Identity information has previously been compromised and used to open several accounts and inquiries without my permission. These are just some if the accounts that were opened in which I do n't recognize. 

National Credit Systems- XXXX XXXX Apartments Date Opened- XXXX/XXXX/XXXX amount owed- XXXX This a Fraudulent account and I want it removed from my credit file with all three credit bureaus XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent notice to Equifax to investigate accounts on my consumer report that are inaccurate. I have not received a response from them as of yet. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

They are inviolation and the accounts need to be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom XXXX XXXX XXXXncern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Debt collection

National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. 

My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. 

( 1 ) NRA did not send any collection notice to me before reporting. 
( 2 ) NRA altered the date of first delinquency. 
( 3 ) NRA reported the account before 180-days period.
Product: Credit card

Ally Credit Card keeps placing a hold on my account for no good reason. Each month I have to call and go through all the horrible customer service, lies and unlawful reasons. The first month it was because they supposedly needed a letter from my bank stating that I was an authorized user to make payments although this was the bank that they checked to see if I qualify as well as accepting several payments close to XXXX each., I called my bank and they stated that they are not in need of this so called paper and payment has already been accepted and posted. The second month they placed a hold again and when i called for the excuse this time they stated that they feel I am spending too much money on my card. I did not even max out the card but if I did who do they think they are to tell me I can't use my credit limit that they issued to me. i still had a small credit remaining and pd balance in full which had yet to be credited and I was trying to prepare for the Hurricane Idalia that we have moving into Fl and I was not able to get gas, water or any other necessities such as my medication I have never once been late and as a matter of fact always paid the full amount before it is even due. They have no problem accepting any of the payments but they feel they have the right to not allow me to use my credit when I please. I understand a hold for several days after payment has been made but this is ridiculous as it states 7 days and they wait longer than the amount of days listed in their rules as well as give bogus reasons and should not be happening each month or anytime I spend with this card. I feel as though they may be trying to steal my identity or get access to my bank account. Also hang up on people and leave them on unnecessary holds for over an hr., I looked them up on the XXXX  and their ratings are horrible as well as statements made that are exactly like mine if not similar. I have since consulted with my bank again and they suggested that I consult with an attorney in which I have some today. 
Thank you for your time and understanding. I look forward to your response. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.
Product: Checking or savings account

Business checking account closed for 'fraud ' after new account bonus was applied for. No attempt to contact me was made and when I attempted to contact them, they informed me that they are 'unavailable ' and asked me to leave a message.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.
Product: Credit reporting or other personal consumer reports

Navy Federal is in violation of 15 USC 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Navy federal is in violation of ( B, C ). I was not given opportunity to have my information NOT be disclosed! And was not not given the chance to excerise the nondisclosure option. Also this said account is a charge off which is consider a certificate of indebtness ( income ) WHICH CAN NOT BE ON MY CONSUMER REPORT Please make them aware that i am prepared to take legal action if this violation isnt fixed IMMEDIATELY UPN RECEIPT OF THIS COMPLAINT
Product: Checking or savings account

I was given XXXX warning my funds would be put on hold in my savings or checking account. I was told they attempted to call me today XX/XX/year>, but left no voicemail with contact information back. They are now holding my funds for up to 60 days and closing my account because of a dispute I filed on fraudulent charges that I won in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX violates my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX This account debt number is incorrect as my balance has reduced significantly and they have not updated
Product: Debt collection

CRS and XXXX ( XXXX XXXX ) have made many phone calls to my cell phone and work number. They have never left a case number, just said that civil complaint has been filed against me. If I do not contact them, the company has the right to verify my employment. 
XXXX message left on my work number, XXXX, call to my cell phone @ XXXX, call to my work phone at XXXX demanding a responese by XXXX EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted companies on my credit report that you ( transunion, XXXX XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX, its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to transunion and XXXX when they investigated they removed and corrected debts not owed by meXXXX XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX. Thanks XXXX and transunion for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX that was advertised for XXXX from XXXX XXXX in XXXX, IA. I put XXXX down and needed financing for XXXX. I have made an unfair purchase and received deceptive terms. In my contract, hidden fees, excessive interest rates, and undisclosed conditions make the life of my loan XXXX. This is extremely stressful because I've just lost a vehicle and desperately need transportation. Now I've entered into predatory lending practices, received a very high interest rate, and was given false information about financing terms, and contract details. Also, there was a failure to provide the required truthful disclosures such as total loan cost, monthly payments, and fees clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The record I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above . 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above.

It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Acco

unt Identifier Number and the Account Number represent the same account. The Account Identifier Number must be
included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies.

If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations Information XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian.comXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above. 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX