23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, 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 Experian, XXXX XXXX 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 Experian Boost. 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. 
XXXX XXXX XXXX
Product: Debt collection

I have requested debt validation and debt verification and Transworld Systems has failed to provide copies of any documents that show that this debt is owed by  me. Transworld Systems and XXXX XXXX is trying to collecting on the same debt. Neither company has showed any documentation for the debt amount owed, contracts or rights to collect for XXXX XXXX. I have denied this debt and want it removed from my credit report immediately under the laws from the Fair Credit Reporting Act I do not owe this debt and after two attempts Transworld Systems has failed to provide these documents through the Consumer Financial Protection Bureau I have enclosed copies of debt collection letters from XXXX XXXX claiming they are the representative for this debt also
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX Date Opened>>> XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX XXXX Report # XXXX
Product: Debt collection

I received a letter stating if I do n't call and pay them they were going to take legal action against me
Product: Mortgage

Wells Fargo flagged my mortgage account without notifying me. I was not notified via online statement, paper statement or phone. I have phone records to prove this. When I disputed the information with Wells Fargo they refused to take the late off my credit and claim they tried to contact me without furnishing any proof, whereas I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their continued failure to remove fraudulent accounts and inaccurate personal information from my credit report, despite multiple disputes and submission of proper documentation. Experian has ignored my repeated requests, sent stall letters with baseless claims, and refused to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts, resulting from identity theft, remain on my credit report : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXX Account Number : XXXX Additionally, the fraudulent addresses associated with these accounts that remain on my report are : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX have submitted all required documentation, including government-issued identification, to prove that these accounts and addresses are fraudulent. Despite this, Experian has sent stall letters claiming : That my disputes were in error. 
That the disputes were not made by me. 
That the accounts and addresses could not be blocked or removed. 
Experians refusal to investigate properly, along with their failure to notify or resolve these disputes, violates several provisions of the FCRA, including : FCRA Section 611, which requires credit reporting agencies to conduct thorough and reasonable investigations of disputes and remove unverifiable or inaccurate information.

FCRA Section 605B, which mandates the blocking of information resulting from identity theft upon receipt of proper documentation. 
Their failure to act has caused significant harm to my creditworthiness, delayed my ability to resolve identity theft issues, and created undue financial and emotional distress.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report listed below. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. 

XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$970.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I sold my car on XXXX. They mailed me my check by XXXX. I went to the bank to deposit it. My banker thought it was fraudulent. My bank put a hold on the check for 10 days. I am not happy. The check was written on XXXX XXXX
Product: Credit card

On XX/XX/2024 I received two ( 2 ) emails from XXXX indicating : YOUR ACCOUNT HAS BEEN CLOSED The advised the reason as : * Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. 

Upon opening my Capital One app on my phone, I find that both of my cards were currently " Restricted. '' The account ending in XXXX has a XXXX balance and the account ending in XXXX has a balance of {$800.00} that I was planning to pay within days. 

I am a senior on Social Security and my last payment was made a few days after the due date due to my Social Security not arriving as planned prior to the due date. 

I have had two instances in the past of identity theft and have only used the card ending in XXXX since XX/XX/2024. 

I would like to obtain the detailed reason that the card was cancelled and any paperwork or sources of information that were obtained that led to the decision by Capital One to cancel my account. 

I have and am working extremely hard to rebuild my credit and would appreciated re-consideration of this action and my accounts restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-Iowa XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Product: Credit card

TO : XXXX XXXX, XXXX, or XXXX. XXXX XXXX. 

I have escalated the request for a full refund for the ticket I purchased and was canceled by XXXX XXXX, with my contact at XXXX XXXX services. 

As I have written documentation that I would receive a full refund as I could not travel for XXXX  and XXXX government issues, the insurance and the reassurance give us adequate cause to escalate these long-overdue requests. 

Please know that this course of action is distasteful to our XXXX, though now unavoidable. 

XXXX confirmed that someone other than myself DID receive my refund, but it was not my company or myself. ( XX/XX/XXXX request for refund was made ) and total balance was distributed ( unlawfully in the amount of {$97.00} to XXXX ) and an amount of {$2400.00} was rejected due to wrong information. ( Cancelled by XXXX XX/XX/XXXX, and second attempt XX/XX/XXXX rejected and only {$97.00} ) by XXXX XXXX was used for this attempt to receive funds. This is now deemed fraudulent. 

Our legal counsel will continue to pursue until such time as we are fully compensated. We will be in touch with the Secretary of State as needed. 


Kindest Regards, XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/year> at XXXX PM XXXX, XXXX XXXX XXXX wrote : Dear XXXX XXXX, XXXX this email finds you well. 

We are currently in the process of investigating this matter. 

Please allow us another XXXX business days to provide you with a comprehensive response. 

If you have any questions in the meantime, please feel free to contact us. 

Kind regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Bluebird Debit card issued by XXXX XXXX XXXX XXXX American Express which was opened in early XXXX. The card is funded via transfers to/from my Checking account at XXXX XXXX XXXX  . All of the sudden the link to my checking account stopped working. I have been trying unsuccessfully for over a week to transfer the funds back to my Checking account. I have called the Helpline many times ( XXXX ), but have been getting the run around. First I was told to unlink my Checking account & relink it. Then I was told I can't unlink it, they need to do it. When it appears linked, and asks to verify the Trial Deposits sent to my Checking account. But when I enter the amounts, the system tells me the amounts are wrong. Then I'm told I need to ignore any Trial Deposits less than a dollar, but all the Trial Deposits are less than a dollar. Each time they re-link the account I'm told I need to wait up to 5 days. I've spoken to several representatives, including a supervisor, and each one gives me different answers. Meanwhile, I can't get my money. At this point I just want to close the account and get my money.
Product: Mortgage

The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.
Product: Checking or savings account

I had accounts with Wells Fargo between XXXX and XXXX. I believe I might qualify for the damages as part of Wells Fargos legal settlement for illegal activities.
Product: Debt collection

I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was XXXX, so I called XXXX today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to XXXX XXXX. So I called XXXX XXXX and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( SSN and DOB ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.
Product: Credit card or prepaid card

Please reference case number XXXX. Complaint sent to CiTiBank Credit Card disputing a payment made in the amount of {$10000.00} XXXX a company owned by XXXX XXXX which has been shutdown by the FTC for fraud. CitiBank explains the there reason for not providing help because the occurrence of fraud was detected by the FTC after 120 days of opening this account to fund the XXXX business. Why can XXXX give cover for the victim in this Ref. XXXX and CitiBank provides no help to someone who is about to loose my home. My hope was to earn money to make and honest living not to be a victim of fraud. 
Please look at the Compensation Plan pdf, these levels are for lifetime. Need Help Now!
Product: Student loan

Continually put into forbearance, ca n't get income driven repayment from Navient
Product: Vehicle loan or lease

I put down payment and buy gap insurance on a used vehicle i'm not required by law 15.U.S.C 1605
Product: Vehicle loan or lease

I purchased a loan from XXXX XXXX XXXX who later went out of business and transferred the loans to Car Finance Services. All the money I had paid XXXX XXXX  was not credited to my account. It's as though they stole the money. Now Car Finance Services is showing past due and none of the money I paid is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with XXXX XXXX 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to XXXXXXXX XXXX that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told XXXXXXXX XXXX  that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with XXXXXXXX XXXX on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Product: Debt or credit management

I settled with XXXX  about a XXXXXXXX XXXX XXXX XXXX I started with an amount of XXXX and we made an agreement to settle it for XXXX I made all three payments and the debt is being shown as owed XXXX I called them to ask and they said its been settled but whenever I check my credit it still shows as owed. Im trying to fix my credit and they dont answer their emails.
Product: Credit reporting or other personal consumer reports

I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM XXXX XXXX EQUIFAX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX AND MY GOD GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES XXXXXXXX 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 THX SIRS MAAMS XXXX BLESS
Product: Vehicle loan or lease

In c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX Adverse Action Letter Notice to Agent is Notice to Principle ; Notice to Principle is notice to Agent.

Pursuant to 15 USC 1602 ( c ) the term " credit card '' was used to initiate the credit cars transaction. The term credit card similarly as I have mentioned, means any card, playe, coupon book, or other credit device existing for the purposes of offering money, property, labor, or services of credit.

The term adverse action NEVER mentioned anything about the consumer being " denied '' credit as the consumer can not be denied the credit ( s ) in which the consumer is " granting '' ( in this case ) your corporation ; which is that right to extend said credit ( s ).

Pursuant to 15 USC 1602 the term credit means " The right granted by a creditor to a debtor to defer payments of debt, or to incur debt and defer those payments ''.

Credit is a right for which I am the one who regularly extends credit in the connection with loans pursuant to 15 USC 1602 ( g ). I am the original creditor and I am aware of my rights as such. I understand that reporting to the CRA is voluntary. This is a private transaction and in it by your corporation and by me the consumer and creditor and unfavorable situation has transpired.

Nowhere under the terms of adverse action defined by the Fair Credit Reporting Act ( FCRA ) does it mention that a " natural person '' can be denied credit versus a business. As an original creditor it is not LAWFUL to be denied my right to grant credit. Furthermore, my credit was used and I received NO BENEFIT from the use of my credit and an inquiry was submutted and posted to my consumer report which is a RECEIPT of transaction further supporting that a corporation ( XXXX ) has been compensated and I received no benefit at all. In fact, on the contrary damage was done from the denial of my rights both mentally, psychologically, and financially as a result. 
In conclusion, I have been discriminated against as there are NO federal laws which state that a credit score can deny me my right to extend credit. I a natural person in good faith exercised my right and was grossly discriminated against in that pursuant to 15 USC 1691 which states, " IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION : 1. On the basis of race 2. Religion 3. Natural Origin 4. Sex 5. Marital status 6. Age, provided the applicant has the ability to contract 7. All or part of the applicants income derives from any public assistance program 8. Because the applicant has in good faith exercised any right under this chapter
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.
Product: Debt collection

The debt was properly billed to insurance and it appears on credit report more than two times.
Product: Credit reporting or other personal consumer reports

SUPERIOR ESTATE LIMITED reported a debt with Equifax that I disputed because I had no knowledge of Equifax removed the account due to the company not verifying the account within 30 days. However they recently allowed for the company to put the credit report back on my account. They advised me to contact the creditor however when I tried to by Googling the website the contact information was not working. So Equifax told me to file a complaint with you all.