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

Wells fargo bank in XXXX ks has noticed me that a bank account was opened in my name and info as well as it has now closed with a negative amount balances off {$620.00} it's now on my credit score and it was not open by me someone else got my info how do I get it taken care of
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 proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX  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 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: Money transfer, virtual currency, or money service

I have experienced both unauthorized XXXX as well as misunderstanding the fine prints of sending funds wirelessly
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my Notarized FTC Report, PA license, 15 USC 1681c-2 by certified mail to Experian, XXXX, and XXXX. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00}
Product: Mortgage

Our home loan ( mortgage ) was sold to SLS loan servicing several months ago from our original mortgage holder, XXXX XXXX XXXX. We obtained a successful home loan modification from XXXX XXXX in XXXX of XXXX after a major battle, and poor banking practices from XXXX XXXX on our behalf. In XXXX of XXXX, my wife was laid off from her job of 15 years, and my family was out a good amount of income per month. 

Knowing we were facing a hardship, we reached out to SLS and asked for assistance with our mortgage. We completed an application for assistance, along with all of our documentation and a letter. SLS responded, stating we were only eligible for either a short-sale on the property, or a deed-in-lieu of foreclosure. We were appalled. We were given a date of XX/XX/XXXX to respond with an appeal of their decision. We then submitted an appeal with another letter explaining our situation, and that we had a VALID hardship. We further explained that a short sale would not apply to us, as we have quite a bit of equity in the property. We also explained that it had now been over a year since our last loan modification, and that we intend to keep our home! My wife is now employed again, but catching up after falling behind is hard to do with a family to support. I also suffer XXXX XXXX XXXX XXXX, and will be receiving a XXXX XXXX in the next year. 

We received confirmation that our appeal was received by SLS, but have not yet heard back from them on a decision for assistance with the mortgage. We received a letter on XX/XX/XXXX stating that we denied assistance from SLS. This is not true. The options of assistance they offered us had nothing to do with keeping our home, and/or did not apply to us! And instead, today, XX/XX/XXXX we received 2 letters in the mail from SLS stating they intend to foreclose on our home. This is unfair, and illegal. We as homeowners deserve a chance to remedy our overdue mortgage, and deserve an opportunity for assistance with our mortgage in order to catch up and/or start over. We want to remain in our home and get back on track as we have a XXXX year old son, and our home is our biggest asset. It appears nobody at SLS servicing has taken the time to review our account, our paperwork, or take the time to help their customers who are desperately trying to make things right and not ignore the financial hardship they are experiencing. Why hasn't our appeal been acknowledged? I feel that SLS has no intention of helping customers, although they offer assistance on their website, and via mail. This is a detrimental situation for myself and my family, and something needs to be addressed and done. If I am forced to hire legal counsel, then that is what I will do.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a follow up dispute letter to EXPERIAN INFORMATION SOLUTIONS demanding that EXPERIAN INFORMATION SOLUTIONS delete certain accounts because they were initially disputed and came back inaccurate and incomplete. EXPERIAN INFORMATION SOLUTIONS responded to my notice and demand with an additional attempt to reinvestigate the accounts I told them to remove from my consumer report. As of XX/XX/year>, EXPERIAN INFORMATION SOLUTIONS finished investigating the inaccurate accounts that were listed in both letters. These accounts are STILL being reported inaccurately. According to the Fair Credit Reporting Act per 15 USC 1681i ( XXXX ) Procedures in case of disputed accuracy - ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( XXXX ) 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 ; ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. These accounts have been proven to have not changed. The accounts in question are still reported inaccurately and they are still incomplete. EXPERIAN INFORMATION SOLUTIONS violated the Fair Credit Reporting Act by continuing to report the inaccuracies. The reporting of the listed accounts is a violation per FCRA 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. How can they verify inaccurate information?? They have violated XXXX Compliance procedures and format for reporting!
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 8 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Original Debt : XXXX  XXXX Debt Collector : XXXX XXXX Account # XXXX Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I started sending in disputes to XXXX, Equifax and XXXX in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all XXXX. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of XXXX.
Product: Credit card

Credit company closed my account for fraud. I talked to them and informed them i selected wrong card for particular purchase and it was a mistake. They would not listen. I tried to explain i had this card for years and it was closed. They also closed my husbands cards because i was a authorized user on one of them. This is not fair to him because he didnt do anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX
Product: Credit card or prepaid card

My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING ISSUES WITH EQUIFAX, THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, I HAVE ALREADY CONTACTED THE CREDITORS THEY HAVE ADVISED ME TO SUBMIT MY IDENTITY THEFT REPORT. XXXX  AND XXXX XXXX HAVE ALREADY UPDATED THEIR RECORDS AND THEY HAVE REMOVED THE FRAUDULENT ACCOUNTS FORM MY CREDIT PROFILE. EQUIFAX IS NOT REMOVING THE ACCOUNTS, I DON'T UNDERSTAND WITH WHOM ARE THEY CONFORMING ANY INFORMATION, THEY ARE GIVING ME HARD TIME EVERY TIME I AM CALLING TO GET ANY INFORMATION IN REGARDS TO MY DISPUTE. I HAVE SENT THEM NUMEROUS TIMES MY IDENTITY THEFT REPORT, ALONG WITH MY OWN PERSONAL STATEMENT. I AM A VICTIM AND SEEMS LIKE THEY DON'T CARE TO HELP CONSUMERS IN ANYWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.
Product: Credit reporting or other personal consumer reports

The following accounts has unauthorized charges that were made to XXXXXXXX XXXX XXXXXXXX. 

The CFPB has sued XXXX and XXXX for XXXX investigations and violating the FCRA. 

TransUnion has been a repeat violator of FCRA. 

Attached is text of CFPB lawsuit this year XXXX  against XXXX and XXXX. 

Fully, believe TransUnion will be sued by CFPB again for FCRA violations.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my consumer reports .I discovered some instances of late payments on my an account for which I have always maintained timely payments consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.I have never missed a payment on the following account XXXX XXXX account XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX XXXX XXXX into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments.If unable to furnish such proof .I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

My bank account was wrongfully charged {$2700.00} and the merchant has written an email to me stating he would refund me the amount taken from my account. He wrote me that email on XX/XX/2022. 

It has been several days and I have yet to receive my refund that I was promised. 

I went to my local Regions bank branch and filed a report in person with a personal banker at Regions. The banker assured my issue would be resolved. 

After hearing of no reply after 4 days, I called Regions bank. 

The rep told me the dispute department denied my claim because the banker filed my claim incorrectly and because of this I had to refile my claim and was told I have to wait ANOTHER 10 days. No one called me to inform me that my claim was denied nor did I receive any email. If I didnt check, I wouldve been clueless. 

This is unacceptable to say the least. 

I work hard for my money and my bank is supposed to protect me.I went to the banker initially so it could be done right and now I have to wait another 10 days? This was a lot of money.

Im seriously considering leaving Regions bank over this.
Product: Student loan

I am currently trying to get a refund on two payments that I made towards my subsidized loan from Ed Financial. I paid off the loan in full with two payments, one being {$100.00} and the other {$9500.00}. I requested the refund request through a text chat on XX/XX/22. I also followed up on XX/XX/22 to make sure the refund was in the system. 

I'm just make a complaint as they won't give me any estimate or timeline as to when the refund could be refunded. According to what I've seen online and also with friends who have previously gotten refunds, Ed Financial has told them anywhere between a few months to a year. This seems extremely long as it seems other loan providers are able to provide refunds within a few weeks to a few months. I'm just very worried that I will not be able to partake in the loan forgiveness program.

I was also told that it wasn't confirmed whether loans refunded will be eligible in the loan forgiveness program. Additionally, I would told that the Department of Education has not confirmed how refunds will be sent, making it seem Ed Financial has not/will not be issuing refunds yet, which I know isn't the case. I wanted more clarification on this as there seems to be a lot of conflicting information going around.

I wanted to get a timeline on my refund request and get my loan refunded as quick as possible. I know there is a large influx of refund requests but it doesn't seem too much to ask for a possible timeline.