23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint against Victoria Secret due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Victoria Secret failed to take timely and effective measures to prevent and address problems on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply to dealing with fraud happening on my account and accurate payments being made that were never reported which concluded in them closing account. These actions have caused significant inconvenience and financial loss, as well as credit score dropping due to inaccurate late payments as well as inaccurate closing of my account and i seek appropriate redress for these violations. 
Under US Codes 15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency act Transunion, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These address do not belong on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted Experian, XXXX, XXXX to remove the inquiries on my credit report, after multiple attempt to informed Experian that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, Experian, XXXX, XXXX still refuses to remove the hard inquiries. Experian has violated my rights under 15 USC 1681b. I am requesting Experian to remove the inquiries ASAP.
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. 

The XXXX Credit Bureau is reporting inaccurate information on XXXXXXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all 3 credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
Product: Checking or savings account

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {$15000.00} has been stolen. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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

The amount I need to pay decreased in XXXX and ever since my payments have been disappearing. The amount is not being properly reported to the credit bureaus nor can they tell my why I can see the payments I make on the statements they send but they keep telling me I'm not paying. I want to know where my money is going.
Product: Credit reporting or other personal consumer reports

Due to water damage to my home in the month of XX/XX/year> and having to pay out of pocket for some of the because my home owners insurance didnt want to pay to get it fixed.I had to set up a payment arrangement so called before my due date and was told to call back after XX/XX/XXXX which come to find out and I was not informed that they report payments to credit bureaus on the XXXX which was the date that I called back. I wasnt informed of an exact date to call back. I figured because XXXX was on the XXXX and being that the XXXX is right after so I called on the XXXX. The next month I found out that I received a late payment on my credit. I talked to the representative and wasnt told of the credit reporting date of the XXXX when the payment arrangement was set up and when I called to try to extend it because of the water damage costs coming out of my pocket. They need to do better job at communicating. If they are a representative they should communicate all aspects better. I would have asked to purposely get a late payment on my credit without proper knowledge of the representative telling me to call back after the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my Experian credit report. The following inquiries were not initiated by me and do not belong to me : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to the accuracy and privacy of information in their credit reports. The specific sections of the FCRA that are relevant in this case include : Section 604 ( 15 U.S. Code 1681b ) : Permissible purposes of consumer reports. This section specifies the conditions under which a consumer reporting agency may furnish a consumer report. Unauthorized inquiries do not meet these conditions. Section 611 ( 15 U.S. Code 1681i ) : Procedure in case of disputed accuracy. This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. The presence of these unauthorized inquiries on my credit report is a violation of my rights under the FCRA and is negatively impacting my credit score and financial standing. These inquiries were not initiated or authorized by me, and their presence on my report is causing unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the account opened on XX/XX/2016, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Please note that I do not acknowledge any liability for this debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$500.00} via money order or certified cashiers check or e-check by phone. 

Please understand that this is not a renewed promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus. 

That being said, your full cooperation in deleting this account in exchange for payment is appreciated. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried called XXXX and they marked these hard inquiries as unauthorized the complaint number is XXXX. I have XXXX hard inquiries on my XXXX credit report that I never authorized the first being XXXX XXXX XXXX on XX/XX/XXXX and the second being Onemain on XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX Convergent Outsourcing called me from a XXXX local number asking me for a Mr. XXXX, I told him that this was not Mr XXXX 's number, He was a past client, he no longer was and to please remove my number from there list, which they said they were. 

However, again on XX/XX/XXXX, They called me again asking for Mr XXXX again, Convergent Outsourcing kept calling my personal number to ask for someone else, I have also filed a law suit against them, but Convergent believes its ok to keep calling consumers even when you tell them not to call.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) to address the violation of my federally protected consumer rights by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned accounts, identified by Account name : # XXXX, have egregiously violated my rights as outlined in the FCRA : 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 emphasizes that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may include certain adverse items of information in a consumer report, particularly any other adverse item of information that antedates the report by more than seven years.

Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

These violations not only compromise my privacy but also infringe upon the fundamental principles outlined in the FCRA. I request a thorough investigation into this matter and appropriate action to rectify these breaches.

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Never received any letter from this company about a supposed debt I owed. Sent a letter and disputed with CRA 's with all details about why this account does not match any of my accounts. Proof of letter sent with attachments.
Product: Debt collection

ATTEMPTING TO COLLECT INACCURATE AND OUTDATED AMOUNT, DESPITE MY PAYMENT ARRANGEMENT WITH THE ORIGINAL CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received notice of a hard inquiry into my credit report that was made by TD Bank XXXX XXXX XXXX XXXX have not applied for any credit cards and have not applied for anything that would require a credit search. I have no associates with TD Bank and am not opening a Credit card with XXXX. More importantly, I did not authorize anyone to do a credit search and I believe this to be fraudulent. I am also worried that my identity may be jeopardized and am unclear how my information was leaked. 

Information of the inquirer : XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Product: Student loan

It is a private loan with Navient I am unable to find flexible repayment options. I've been repaying these loans for a long time at least 10 years and they never offer different option for repayment plans. I feel the school was also predatory because they told me I could consolidate these private loans and it was very misleading on the school part.
Product: Mortgage

XXXX XXXX : My wife and I refinanced our XXXX, XXXX house to purchase a lot. It took a mortgage, equity account, and a lot loan. Mortgage is through Wells Fargo. Equity Line of Credit is through XXXX Bank. Lot Loan is through XXXX. XX/XX/XXXX : Went to Wells Fargo Bank Branch at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. to try and refinance with HARP to reduce interest rate of 6 3/4 %. Loan officer laughed at me and stated they do not have to recognize HARP since they are earning better interest. XXXX XXXX : My wife did not want to wait to move. We put house on market, could not sell due to market crash. Rented out house. Moved from XXXX to XXXX, XXXX. Rented out house until XXXX XXXX. Put house on market again. Still upside down. Applied for short sale process with Wells Fargo and XXXX Bank XXXX XXXX. Discussed short sale with Wells Fargo and XXXX online, on phone, and received paperwork to fill out and submit. Paperwork is over XXXX pages. Sent by email, fax, us postal, and certified. One year later, and with assistance of mortgage attorney, XXXX, of XXXX, XXXX, No responses. We had offers to buy at short sale prices, No responses from either institution. Since process has been a year, multiple representatives from both banks by mail, email, and phone. No responses. Both banks deny ever receiving any application for Short Sale. Attorney resends updated applications and documents. Both banks again deny ever receiving applications and information. Both banks state they do not have to recognize short sale application ( s ) even if they did receive them. Rather than losing a little money in short sale, The banks would rather spend time and money on foreclosure. XXXX XXXX. Real Estate Attorney, XXXX recommends stopping payments to Wells Fargo and XXXX to get their attention. Both banks begin sending many letters and calling me XXXX times daily demanding payments. I inform them and our attorney inform them that we are trying to negotiate a short sale. Banks refuse to acknowledge. All prospective short sale buyers walk away. Keep trying to sell house in XXXX. Wife files for divorce. Divorce court orders I stop payments for XXXX House and Equity Loan. Inform them already did as of XXXX XXXX. Wells Fargo submits legal claim XXXX XXXX, XXXX for foreclosure. XXXX XXXX, put lot on market for sale. Receive offer in less than week. Enough funds from sale will balance the money owed on XXXX house. Wells Fargo refuses to acknowledge funds and wants to proceed with foreclosure instead. Why would Wells want to proceed with cost of Foreclosure? Why would Wells Fargo turn away so many good buyers? As an XXXX, this is a home I spent XXXX years renovating. I put quality finishes, energy efficiency, sustainable detailing. Wells Fargo does not care. Please note : The mortgage with Wells Fargo is an interest only account. Upon the direction of my wife, to keep the mortgage payments reduced, we went with interest only with the intent of keeping the house only a few years before building on lot and moving. Did not happen.
Product: Mortgage

I was contacted by Rocket Mortgage to offer a refinancing plan. The agent suggested a good % rate, and I agreed verbally to proceed. He asked me to sign a form accepting to the {$500.00} Fee, using a e-signature signing ( used touchpad ), and stated this was needed to lock in the rate. ( XXXX ) I received a bunch of forms to e-sign on XXXX XXXX, but the fees, loan amount and structure didn't reflect our discussion. I didn't sign anything. Texts and phone calls and emails exchanged on the discussion. The agent was forceful in telling me it's ok to sign, these were estimates, and the final closing docs/loan will change upon the closing, but i didn't agree to this. I requested he recalculate to reflect our discussion. He didn't do that. I waited 2 days, and then emailed him to withdraw my loan application, XX/XX/11. On XXXX, my CC was billed {$500.00} " unauthorized '' by me. Also, Rocket Mortgage contacted my current lender requesting a close-out, on XXXX. I was charged {$25.00} and XXXX XXXX issued me a " Goodbye '' letter. I had to reach out to tell them, i didn't agree to refinance with Rocket Mortgage, and am still trying to get that fee reversed. I reached out to Rocket Mortgage to have them credit my CC back the {$500.00}, and they said they were going to charge me {$42.00} for the Credit Report, noting that i agreed to pay any fees, in the initial discussion, XXXX, and they sent me the form i signed. I don't believe this is acceptable behavior, and any charges should be tied to an agreement on loan structure upon closing.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 records I am questioning connect 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 an alleged fraud or extortion. 

XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Annual Credit Report will not show credit score and when I requested for the credit report to be mailed to my address I was instructed to mail information to an address in XXXX. XXXX this is making me feel as though there could be fraud involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX, XXXX, and XXXX consistently responds within 24 hours starting the account is accurate without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes