23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Have a hard inquiry from Wells Fargo on XX/XX/19 which looks like a personal loan on my credit report. This was inquired about fraudulantly, as I never submited this.
Product: Credit reporting or other personal consumer reports

As of today, XX/XX/year>, I received notification from Experian that the information contained in my credit report regarding XXXX XXXX is accurate following a credit reporting dispute. However, I have communication from XXXX to the contrary. No foreclosure action has been initiated on my account. Furthermore, my account was current up to XX/XX/year> per communication from XXXX in XX/XX/year>. I do not believe that Experian investigated my dispute. Experian continues to obstruct my right to dispute the information contained in my credit report. This is not the first occurrence. I have not received any evidence of a valid investigation. Furthermore, I no longer feel comfortable providing additional information to Experian for a reinvestigation in light of how my previous disputes have been handled with XXXX and other creditors listed in my credit file. This continued practice is in violation of the FCRA and does not promote accuracy, fairness, nor protect the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Your assistance, implementing proper enforcement and achieving a fair resolution are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

My Chase credit card was replaced in XXXX due to suspected fraud, I received a new card and it has been working fine. A Chase employee provided a theft ring with the details of my cancelled credit and temporarily authorised access to my closed account and reactivated the card to allow the purchase of an XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. Use of my replacement credit card and store surveillance shows that the purchase was not made from me and I was in XXXX at the time. 

Chase cooperate security is aware of this theft by one of its employees and the charge has not been removed from my account. The XXXX of XX/XX/XXXX charge was placed on my new card account the XXXX of XXXX and I have made over 20 phonecalls to Chase and spent over 40 hours of my time trying to get this {$700.00} account debit removed. 

The police report from XXXX XXXX, Texas is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX collection accounts on my credit am inquiring about XXXX XXXX  and XXXX XXXX Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Credit reporting or other personal consumer reports

Experian is in violation of federal FCRA rights. There is an account listed on my report ( and illegally shared with other companies that do credit checks ) that is due to identity theft and there is no information that it belongs to me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Ally Bank did not resolve a dispute concerning a XXXX XXXX bed ordered from XXXX recently that was damaged but the merchant would not take it back. 

The order was in my wife 's name who is a joint account holder but my card was used in the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.
Product: Mortgage

When COVID hit and mortgage companies were offering relief options I inquired with my lender, American Portfolio Mtg, however all they were offering was a few months of a break with a balloon payment at the end. This wouldn't do me, nor anyone experiencing a hardship any good. If I wasn't able to make a XXXX payment in a month what makes them think I'll have XXXX dollars 4 months from now? So I said " No thanks '' and it didn't make sense for me. 

Fast forward to last week when I'm applying for a new loan on an investment property and the lender tells me they can't give me a loan because my current loan is in forbearance. I was shocked and furious and called AMP. I was told that my loan had indeed been put in forbearance and that to come out of forbearance it would be around XXXX. That money wasn't an issue and I immediately wired them to bring my loan current through XXXX. The problem is that they put my loan in forbearance and now it shows that I wasn't able to make my payments. They advised me that they just turned off my ACH on my bank payments and that they get 10 calls a day from people in similar situations that were put into this program without their consent. 

Now I am unable to get a loan until AMP produces a letter stating that I did not agree to enter forbearance to resolve my issue with my current lender. Is this something that I can sue for?
Product: Credit reporting or other personal consumer reports

I had viewed my credit profiles and saw there were fraudulent accounts on my reports and had disputed them directly with the credit reporting agencies but the refuse to make the necessary changes even with the identity theft report that has been provided and information was supposed to be blocked within 4-5 business days after receipt and refusing to do so asking for identification when they already have it on my profiles
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I HAD NOT REVIEWED MY STATEMENTS IN A FEW MONTHS, SO I DECIDED I WOULD GO THROUGH EACH CHARGE CAUSE IT SEEMED LIKE I WAS PAYING MORE THAN WHAT I HAD USED IT FOR! AFTER GOING THROUGH I FOUND A CHARGE ONXX/XX/17MADE BY XXXX XXXX  FOR XXXX ONCE I FOUND THIS I CONTACTED WELLS FARGO AT XXXX I SPOKE WITH A GIRL NAMED XXXX SHE TOOK MY FRAUD CLAIM AND SENT ME A NEW CARD THEN A FEW DAYS LATER I GOT A LETTER CLAIMING BECAUSE I KEPT MAKING PAYMENTS THAT I VALIDATED THE TRANSACTION! I KEPT MAKING PAYMENTS CAUSE I DIDNT WANT MY CREDIT SCORE TO GO DOWN, AND I HADNT GONE THROUGH MY STATEMENTS IN A WHILE CAUSE I JUST DIDNT HAVE THE TIME! I DID NOT MAKE THIS CHARGE AND I DESERVE MY MONEY BACK.
Product: Checking or savings account

I had a checking and savings account with Wells Fargo XXXX. I was repeatedly charged overdraft fees when money was available. Then in order to close my account I was charged over XXXX which was incorrect. In order to " clear my name '' I had to literally pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  Balance : {$11000.00} ; 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

FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. 
I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. 
I am politely asking that this account be removed from my credit reports until they are able to figure this out.
Product: Debt collection

I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was contacted by cell phone by a representative from Lexington Law Firm in XXXX of this year regarding financial advice in helping to resolve consumer debt. I agreed verbally at the time to sign up for a five day free trial of their services, but contacted the representative immediately after having performed an internet serach of said law firm, having discovered that they have a terrible on-line reputation, according to their customers. I immediately called the representative and clearly stated that he was to cancel this subscription during the trial period, because I discovered their ill-reputed reputation online. He agreed. On XX/XX/XXXX of this year, I discovered that Lexington Law Firm made a compleletly unauthorized draft in the amount of {$160.00} from my checking account at XXXX XXXX XXXX. I made telephone contact with them, and after having spent an hour trying to convince a paralegal ( who is not registrered as such by the state of Utah ) to transfer me to a supervisor, which he did. XXXX XXXX, with LL, sent me an email confirmation of the refund, which I have uploaded to my complaint. The refund was promised as was written, by today, XX/XX/2023. I have not received the refund. I was able to contact several " supervisors '' at this firm today and reached XXXX XXXX, who admitted that the refund had not been processed but would do so XX/XX/2023, which would take another 3-5 days to process. I feel lied to by XXXX XXXX, and am wary that the putative refund to be processed today will ever appear in my checking account. I was treated very rudely by earlier personnel with whom I spoke, who insisted I was a " member '' despite my refusing the subscription in time and blew me off during he conversation. I was finally able to contact another supervisor and am attaching her email response as well. Tomorrow, if the funds aren't in my account, I intend to file a dispute with my credit union. I have already filed a complaint with the state of Utah Consumer Protection Division. What concerns me the most about my experience with this outfit is XXXX ) A pending lawsuit accusing them of violating the Telemarketing Sales Rule, which bans upfront fees for credit repairing services before any services have been delivered. XXXX ) A promise to have made a refund of money by today 's date, XX/XX/2023, which has not occurred. XXXX ) People claiming they are paralegals who aren't even licensed by the state of Utah. Because this promised refund did not appear, and I doubt what was promised to me today will ever happen as I have lost all trust with this outfit. I and my credit union plan to take legal action against Lexington Law including possible criminal charges if they are not going to honor the promised refund by the end of the business day today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Company 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 has violated my rights. 

Ilooked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or
Product: Vehicle loan or lease

I applied for a car and it was approved but the car payment was {$800.00} a month. So, I never took possession of the car, or drove it off the car lot. I contacted them back and told them that I did not want the car. Well, they never told the finance company, and the finance sent them a check. So with that being said I received a bill from the loan company. The bill stated : Total Amount Due XXXX Account Number XXXX Due DateXX/XX/2081 CXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting

On XXXX/XXXX/XXXX someone tried to check my credit without my knowledge and created a hard inquiry that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. 

There is also a XXXX incorrect hard inquiry on XXXX/XXXX/XXXX labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have XXXX removed as soon as possible.
Product: Student loan

XXXX bought my daughter 's student loan from XXXX XXXX, quadrupling her payments, now {$830.00} a month for what started as a {$49000.00} loan. She was able to make her payments on her own before the change. XXXX and a vast rip-off!!! I am in the process of trying to refinance the loan, for which I am the Co-signer. If zero stars were an option!
Product: Credit reporting or other personal consumer reports

I notice a charge off from XXXX XXXXXXXX XXXX  reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed.

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent verification letters and disputed these inquires online and these Inquires that aren't verified but Equifax deems as factual and Equifax refuses to show proof of verification and yet won't delete the inquiries from my report. 


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

I have notified, via certified mail, the credit bureau named Equifax 4 times to validate and verify some accounts ( 4 in particular ) on my report. The companies are XXXX XXXX & XXXX XXXX ( {$4000.00} & {$1200.00} ), XXXX XXXX XXXX XXXX XXXX ( {$670.00} ), and XXXX XXXX XXXX ( {$0.00} ). The first letter is dated XX/XX/2018, second letter is dated XX/XX/2018, third letter is dated XX/XX/2018, and fourth letter is dated and notarized on XX/XX/2018. They have all come back as " verified '' or " updated '' on my report. I asked for their method and proof of verification under FCRA section 609 and 611. Equifax NEVER sent me their method, nor any signed contracts. At the same time as my fourth attempt, with this bureau, I also reached out to the Creditor/Debt Collection Companies. I asked them to " validate '' the debt and, in response, all I received was itemized lists and statements that they say I owe. NO SIGNED CONTRACTS. I believe Equifax is using their XXXX  system to pair information and are not conducting an independent and reasonable investigation. If Equifax had conducted a proper investigation there is no way these items would remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX Date Opened XX/XX/2022 Balance : {$250.00}, XXXX Date Opened XX/XX/2022 Balance : {$150.00}, XXXX Date Opened XX/XX/2022 Balance : {$72.00}