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

I reached out and I let them know that the spelling of my address and names were not accurate and I needed them removed because they were reporting incorrect information and they refused to remove them since they stated that they were verified to be correct. I asked for them to show me what they used to verify the information and they denied me the information. I asked that if they are unable to spell my name correctly how can I be certain that they are reporting accurate information about me. They declined to answer the questions that I asked and continued to state that the information that was provided was correct.
Product: Checking or savings account

I started to receive information from Regions Bank regarding my account. I do not know having any business with Regions Bank. The bank representative was sufficient in providing me with the next steps that needed to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX XXXX credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My complaint goes to the Credit bureaus Transunion, XXXX  and XXXX   because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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: Checking or savings account

I have an account with Wells Fargo, last week I made a transaction with XXXX XXXX and the bank processed the transaction 3 times instead of one. My account is below the balance to make my payments causing me extra charges in my accounts, I spoke 3 times with XXXX XXXX and they did get only one charge. Wells Fargo have been negligent to provide the refund. Im been calling several times to talk to a supervisor and they stated they dont have nobody available in upper management to assist.
Product: Debt collection

I was alerted on my credit report of a collection I owed. The original debt was stated from XXXX XXXX. The agencys name is Sequium Asset Solutions. I have never been contacted by the collection agency. I called XXXX and they confirmed I had no debt. When I called the collection agency directly the person answered hey. No mention of the company name. Many online reviews show this company as a scam. I put in a dispute with XXXX  and XXXX  and both came back confirmed. I figured since this is an unethical company. Its unnerving how these credit agencies allow shady companies to affect your credit.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$9900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian keeps reporting information on my credit report report with out asking me I file an dispute and told them according to 15 USC 1681a ( 1 ) ( 2 ) says it don't suppose to be there they doing what they want and I also told they will be fine. Because of them now I'm homeless
Product: Debt collection

Several times I have reached out to Fidelity Collection regarding this issue. During the time of this service, I was XXXX and the XXXX XXXX XXXX XXXX Ohio covered all medical expenses. This debt was sold to Fidelity collection who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX XXXX XXXX. As a XXXX, I do not pay for any medical services and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.
Product: Vehicle loan or lease

Ally Bank is charging me late fees for my auto loan when the new statement comes out around the XXXX of every month. The payment is due on the XXXX of the month, and they indicate when the new statement comes out on the XXXX for the following month that my payment is past due. This is incorrect and a way to confuse customers and overcharge them for late fees or charging them when they should not be charged at all. 

This method of billing is a way to scam customers. Payments are due on due date, not when the statement comes out.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried to get my free annual credit report but have not been able to from equifax. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and XX/XX/XXXX also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Product: Mortgage

On XX/XX/XXXX my fiance and I found are dream house. I was working with Rocket mortgage to get pre-approved. Which happen two weeks before I found the house. So we went bid on a house and are offer got accepted on XX/XX/XXXX the only thing the sales people wanted us to do is try to get closed on the house in 30 days. I called my Rocket mortgage agent XXXX and he said that will be find as long as I ha e my paperwork then need to be turned in by XX/XX/XXXX because they needed 3 days to write the mortgage up. So with him telling me that it would be no problem I went ahead and put XXXX XXXX down for earnest money and did all the inspections. So come around XX/XX/XXXX the week of closing a problem comes up where their couldnt use XXXX of the closing mo ey which to close was only XXXX plus my two month rents I needed to be safe. So I was told if I could get a gift that would cover up the XXXX that we can still close on the house. So I called my aunt XXXX and she called my agent which had switched because of the XXXX XXXX we need to close. This agents name was XXXX XXXX who inform my Aunt when she was learning the best way to give me the money he then told her I would need XXXX to get the house on my own. Which didn't make any since because my closing cost was not over XXXX total. But know he was saying they was my XXXX I had in my account plus another XXXX on a FHA loan that we don't have. I really feel the mortgage people just keep telling us when to have the mover ready and other things like that to makes us fill that the house was still goi g to be are just to pull up at the last minute to say we need XXXX more. I feel they were unethical and lie about what was going on in the process if I would have know about the other XXXX I wouldn't have put my earnest money down and now we are having g trouble getting it back from the home sales people.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX "
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, in the business of purchasing a vehicle for a company, I only authorized a credit review and it was queried more than XXXX times and those hard inquiries were not authorized. 

XXXX 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 I would also like to eliminate.

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SPS holds the servicing on my mortgage and they have been the only service provider since the mortgage was transferred to them. XXXX XXXX insures my home and they have been the only insurance provider. My renewal was due XX/XX/XXXX. SPS did not provide payment for renewal in a timely manner. They had sufficient funds in escrow to pay the renewal premium. I received cancellation notice on XX/XX/XXXX. I called SPS and they stated the MAILED a check on XX/XX/XXXX. That was Thursday, and likely didn't enter the mail system until Friday and didn't reach them on XX/XX/XXXX. I am now without homeowner 's insurance and no resolution from SPS.
Product: Checking or savings account

My information was stolen last year around XX/XX/2017. Money was taken from my account several Charges were made. I had almost XXXX in my savings account. It is now XXXX. I have contacted merchants and my bank for help but no one has gotten back to me.
Product: Credit reporting or other personal consumer reports

I did not authorize to have my credit ran! 
I am not buying a car anytime soon! 

XXXX XXXXXXXX XXXX XXXXk XX/XX/2023 XXXX XXXX XXXX XXXX. XX/XX/2023 XXXX XXXX XX/XX/2023 Id appreciate it if these were removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Transworld SYS INC Account # ( XXXX ) has violated my rights as well as my HIPAA 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 : States A consumer reporting agency can not furnish a account without my written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received my credit reports but since XX/XX/XXXX, my score has dropped a point or so on every other report. I spoke to Experian today, XX/XX/XXXX and in reading the report, they said that they could see no reason why the score keeps dropping and referred me to FICO. I spoke to FICO today, XX/XX/XXXX, and they asked the usual questions, whether I had closed an account, etc. and when I replied in the negative, they referred me to Experian, because they say that they only supply the data. I spoke to XXXX, to confirm that there has been no fraudulent activity on my account and they said that there has been no such activity. 

I've maintained the same bank accounts with XXXX for over 38 years ( XXXX with XXXX XXXX, the precursor ) and have paid my credit card monthly and in full on time. 

Who can explain this? I don't know who else to contact. 

Thank you for any assistance that you can provide.
Product: Credit reporting or other personal consumer reports

I have sent 3 certified mail validation request to Wakefield and Associates on XX/XX/year>, XX/XX/year>, and XX/XX/year>. The company never responded but keep updating on my credit report. I was trying to buy a house and it popped up out of nowhere advising collections. If you look on my credit report they have never reported any other time. I'm not responsible for this debt and it's a shame that they can do this to someone. I'm a single mother who is just trying to buy a house for her kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian over six times since XXXX requesting proof of how a Bankruptcy on my credit report was " verified ''. Each time the company responds that the bankruptcy was verified but never validates the account. I have requested information on when, how and where the account is validated. There latest response dated XX/XX/XXXX is they will not investigate the bankruptcy again. However, I have not requested investigation. I want proof of how it was validated/verified. Experian can not seem to produce that information and have incorrect information showing on my credit report. 

I have yet to get it per FCRA Section 611 Experian has violated my rights. 

This is reason enough to sue for willful non-compliance under section FCRA 616.
Product: Credit card or prepaid card

My Apple ID is XXXX, with Apple CXXXX XXXX made a transaction of $ XXXX by XXXX XXXX XXXX XX/XX/2022, at XXXXXXXX XXXX. A dispute was initially filed due to being charged 33 % more than what was owed. After the items were received, it was realized that they were also damaged, at which point I contacted Apple Card to dispute the whole charge because the merchant had been non-responsive. XXXX insisted that there is a waiting period for proceeding with the dispute, when no such provision is given to credit card companies by the CFPB and/or FTC. It is alleged that Apple Card mishandled this dispute and should, per the situation and criteria mentioned, initiate the dispute on behalf of the consumer.
Product: Money transfer, virtual currency, or money service

I sent money through Zelle on multiple occasions. 
Once the Zelle was sent and never received by the other party for the amount of {$65.00} on XX/XX/XXXXXXXX  I contacted Zelle and they instructed both parties to dispute through the banks. 

I accidentally sent the wrong person money for the amount of {$100.00} on XX/XX/XXXXXXXX  and lost those funds completely.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX XXXX, account closed account with a balance ] This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a handbag with my Best Buy credit card ( with a 10 day promise of delivery ) from the following website : XXXX known as XXXX XXXX XXXX. When several weeks had gone by with no delivery, I attempted to contact the merchant by phone ( and email ) to cancel the order. Unfortunately, all these attempts were unsuccessful. Phone calls went to voicemail and emails went unanswered. 

On XX/XX/2022, I phoned Citibank credit card disputes department and filed my first of many disputes for this transaction. In the meantime, on XX/XX/2022, I received a handbag from the merchant ; however, it was not the same bag that I had ordered, and I promptly mailed it back to them on XX/XX/2022. 

I have twice provided proof Citibank team that I have returned the incorrect bag to the vendor, proof of my multiple attempts to contact the merchant directly for resolution and have been informed four times now ( and with no explanation ) that my dispute was denied.

This is such a clear case of internet fraud that no reasonable reviewer could refuse to credit my account back the {$650.00} and force this obviously fraudulent web site to reimburse the bank. 

There is absolutely no reason for this dispute to have been denied. There is, furthermore, absolutely no reason that I can not get a representative with the authority to remedy my issue to contact me via phone to discuss the way forward.
Product: Vehicle loan or lease

On the date on XX/XX/2023 I arrived at Car Financial XXXX services In XXXX. I came very late due to extreme work scheduling. Upon the arrival I had purchased a Money order from " XXXX XXXX '' in XXXX Florida ready to pay an amount down on my car that i had to owe due to " Job loss ''. I gave what i could give that day which was {$100.00}, the verbal Agreement that was given was " I lost my job i just got myself back on track However, You have to give time to catch up and make money I can do {$250.00} bi-weekly but it's going to take time to catch up with late payments and keeping up with a current one because i just starting back to working " The clerk Agreed ( XXXX XXXX XXXX, after I dropped of my money I left and proceeded to try make money to pay off my debt. The company called at XXXX, left a message not regarding what it is so i did not call back because I was working and figured she put my {$100.00} towards my account. However, I found out she did not. I called the company asking for the " money order '', their response was to me " I don't have a money order '' I explained that there is a money order there and i need it back because it was not used towards my account '' She proceeds to tell me " I don't know where Money order is '' I have video Proof of the Place receiving the Envelope stamped and Labeled with their company name on it, I don't know what they did with my money however This is illegal, if they don't have my money order where is it? Who cashed it? The company was rude, hung up in face, and has told me a bold face lie!