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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
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 has violated my rights and needs to be deleted from credit report these inaccurate addresses are not mine and needs to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this name is not mine and violates my rights XXXX XXXX XXXX XXXX to be deleted from credit reports These telephone numbers are not mine and need to be deleted from credit report XXXX XXXX XXXX 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 an account without my written consent
Product: Debt collection

I have reached out to the company with certified letters requesting proof of amounts owed. Prove the amount reporting is correct and the company will not send me anything back.
Product: Debt collection

To whom it may concern, Case # ( XXXX ) I am writing the letter to help me bring resolution to civil debt collection case ( XXXX ) I have been trying to resolve since XX/XX/XXXX. The original creditor is Synchrony Bank ( rooms to go ) and the debt was assigned to XXXX XXXX I, XXXX. The original account was opened with Synchrony Bank ( rooms to go ) around XX/XX/XXXX for about XXXX. And on time payments was made up to coronavirus virus horribly struck our country in which I lost my job and forced on unemployment. Fast forward to XX/XX/XXXX I received a letter to collect a debt from XXXX XXXX I, XXXX and I question this debt that is claimed to be owed. I received proper notice of the pretrial hearing by mail delivery service on XX/XX/XXXX. Since the beginning of this civil case, I have requested constantly validation of the debt, but I have never received the proper validation documentation. I attended the pretrial conference on XX/XX/XXXX which was referred to mediation because I provided the Judge documents that challenges the debt in question. During the mediation conference on XX/XX/XXXX I provided the acting attorney with all the documents that challenge the debt they say I owe. The documents that were provided were the Card Security Debt Cancellation Agreement Insurance Policy I actively had during that time. Which agrees to cancel any remaining debt in the event of a Job Loss, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During that time, I called and notified the company of my Job loss due to covid and they submitted a claim on my behalf. I have not received any balance statements up until now. The mediation hearing resulted in no agreement. And I was told during the hearing that I would be notified with next steps from the attorney and the 2 mediators on the zoom call. I never received any kind of court notice or anything in the mail. Until I received two unmarked white envelopes in the mailbox stating I missed a court date on XX/XX/XXXX. I received the letters around XX/XX/XXXX, in which I went to the courthouse the next day and filed a motion for a rehearing. I believed I was taken advantage of due to the vulnerability of me not knowing how court proceedings actually work so I would not show up to my court hearing and have a final judgement and not have a chance to present my case to the Judge. I did received information from the clerk of courts on how to actively check on my case online at core.duvalclerk.com. I do need help and some assistance with what I need to do to move forward in this situation. Please if there is anything I can do to help myself in this situation provide me with any resources or information that will help me in this matter. 
Thank you so much I really appreciate any assistance!!!! Case # ( XXXX ) / XXXX / XXXX XXXX
Product: Student loan

Mohela began servicing my student loans in XXXX. They have not reported once to any credit agencies to reflect current balances which are significantly lower.
Product: Checking or savings account

This year in XXXX I called my bank citi bank about fraudulent transactions in my account which is currently in the negative of XXXX I told them that I lost my card around that time I have been calling them since XXXX and its now the end of XXXX anyone I get on the phone with gives me the same response which is not helping solve the issue I havnt been able to use my account for over 2 months and it is currently blocked all the funds in my account were stolen and used I have been trying to get help so I can get reimbursed for those funds. If anyone can help me about this situation would be greatly appreciated.
Product: Debt collection

In accordance with the Fair Credit Reporting act HUNTER WARFIELD Account # 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 an account without written instructions On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Credit card

I made a one-time purchase through XXXX XXXX XXXX. I paid my CC for my one-time shipment. A second shipment was received and a second charge was posted to my account. Tried calling company to get and XXXX to return unauthorized merchandise. They refused to cooperate. Filed dispute with CC company. CC company cancelled my card and issued a new card because of the dispute. Then CC company allowed the disputed company to charge a fee to my new credit card for a new shipment that I did not place. They are also making it very difficult for us to dispute the charges from the fraudulent company. Barclay 's Credit Card company will not allow me to speak with a manager. Their customer service employees are very rude and unwilling to help resolve the dispute. Every male customer service person we speak with is foreign and says their name is either XXXX or XXXX, but not the XXXX or XXXX we spoke with before. They say they have no way of knowing which XXXX or XXXX we spoke with. They will never let you speak with a manager. They say we can leave a message, but no one ever calls you back. Not only am I being screwed by the fraudulent company, but I am now being screwed by my own credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate. This is an identity theft dispute. I am submitting to you in attachment 's that report was filed with Equifax and XXXX and still thus far have not removed these disputed hard inquires from my credit report ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... credit score, and come chilinquires listed in the report that i submitted three times thus far along with identity theft doucments.
Product: Debt collection

Today XXXX XXXX I was left a voicemail stating an urgent legal matter. I called the number that left the voicemail XXXX, they been calling family members from a XXXX. I spoke with a women who said she needed to download my file but was not telling who the creditor was, she tells me the file is from Wells Fargo, a debt from XXXX During our conversation she proceeds to mock me, because I was confused and irritated by the unprofessionalism, she tells me that I need to go to court and pay my bills.before hanging up she cursed and hung up. I attempted to call back at least fives times and nobody has taken my call. They have reached out to family members leaving the same voicemails.
Product: Debt collection

I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. 

I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.
Product: Bank account or service

A number of Wells Fargo bank accounts and other WF products were opened by XXXX XXXX and other Wells Fargo employees at multiple Wells Fargo locations without my consent. I want a full investigation as to determine how many accounts were opened, including all Wells Fargo products, why and how did this happen. I want the money returned that moved through these accounts and all WF Fees creditied. I also need an identity theft letter from Wells Fargo and compensation for costs incurred as a result of WF staff using my name and identiy to open accounts. I want a full investigation please.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however XXXX and Experian still will not remove the public records from their file.
Product: Credit card

I have been charged interest of almost XXXX $ for more then 18 months and I rarely use this card I only pay on it they said that the charges are due to cash advances in which I have never made one and its pretty impossible to believe that I am paying $ XXXX  monthly and its never making a difference on the balance of my card interest charged have changed signicantly and its costing my credit to be lower and my credit line to be at maximum there has to be some type of issue going on.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a re-investigation letter to Experian to investigate some derogatory items on my credit report. As of today I haven't received a response back from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 

The credit bureaus have violated my rights as a consumer under the following : 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.

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I summitted a dispute to Equifax because in my credit report appear an account with XXXX   XXXX. They express me that they dont have record with my security number with a negative account and for this reason they cant removed this. 

At day to date Equifax dont respond to this dispute.
Product: Mortgage

I was contacted by Amerisave about a refinance on my mortgage, i was told that i had to pay the appraisal fee before we could get started. I did we discussed the loan and i decided against using there service. The appraisal was never done. 
in an e-mail i was told that the money would be automatically returned because the appraisal was never done. After a couple of months i was told i would not receive the money back they were going to put it toward some application fee.
Product: Credit card or prepaid card

Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure immediately.
Product: Debt collection

I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.
Product: Credit reporting

I called Transunion and spoke to XXXX XXXX. I informed her that several inquiries on my report were reinserted on my report after previously being deleted. I got this information at the result of my credit monitoring. The inquires are : 1. XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX and XXXX/XXXX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8. XXXX XX/XX/XXXX, 9. XXXX XXXX XX/XX/XXXX, 10. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 11. XXXX XX/XX/XXXX. I asked XXXX XXXX to permanently remove the reinserted items but she refused, even after confirming they were removed and then reinserted. I expected Transunion to follow the laws that are in place to protect us consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance XXXX : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and equifax has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX XXXX send me a email stating that it was verified and the item remains unchanged fr4om there processing of XXXX XXXX dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with XXXX. Its been over 30 days and i have yet to receive a responds from equifax
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I uploaded supporting documentation on Experian website to dispute errors on my credit report but Experian is refusing to remove the errors from my credit report and is allowing false information and balances to remain on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in my credit report
Product: Student loan

At the direction of XXXX XXXX, I requested a complete " Loan Chronology '' of each and every student loan AES servicer had for me entire complete trace back to the begging of each and every loan. 

They refuse to provide me one.
Product: Mortgage

In XX/XX/XXXX, Need-a-tech HVAC ( XXXX ) installed an air conditioning unit on my home, financed by Finance of XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX. The principal balance was {$11000.00}, which included special financing of no interest for 18 months. I received a letter from Concord in XXXX that mentioned they were now servicing the account and that the special financing would expire by XX/XX/XXXX. I then contacted Concord 's customer service department for the first time and explained that I had a financial hardship and had not received a paycheck in XXXX months. I was willing to pay the principal balance of {$11000.00} if they could extend the special financing or waive the deferred interest because I would have to withdraw the money from my retirement account. I was given an email to their resolution department and was told to explain my financial hardship and include my most recent pay stub. I provided everything that was requested on XX/XX/XXXX and emailed it to XXXX. The following day ( XX/XX/XXXX ), I received a response from the Concord XXXX department saying that their " client '' was not granting my request. I called Concord and asked for the name of the " client/investor '' so that I may escalate my request, and I was told that they did not have access to that information. I called XXXX XXXX XXXX and spoke to a representative named XXXX, who confirmed that the loan had already been sold to another investor but was also unable to tell me who. At this point, I am willing to pay the principal balance of {$11000.00}, except that Concord removes the present accrued interest and any possible negative remarks on my credit report.