23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX  : Account NumberXXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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  XX/XX/2022 XXXX XX/XX/2022 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 or other personal consumer reports

CREDENCE RESOURCE MANAGE  is reporting a fraudulent account on my credit files. I am a victim of identity theft and I have never opened an account with CREDENCE RESOURCE XXXX, XXXX, or any of its subsidiaries. This account is continuously being sold and re-reported. This fraudulent account needs to be removed immediately. I have already contacted CREDENCE RESOURCE MANAGE  and they have not responded to my request, nor have they provided any information.
Product: Credit reporting

I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the one listed on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is not one but I requested it just in case I was remiss. I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
Product: Student loan

As a follow up to complaint # XXXX, my repayment plan request was finally approved after 2 submissions and a couple of follow ups through CFPB. I saw it was approved/processed today, but the loan terms are incorrect. According to my total balance of the loan and the application I submitted, it shows payment would be around {$150.00} on 20 years of payments and the loan was processed under 10 years of payments. When I first had my loans consolidated with MOHELA, I had a standard repayment plan with 20 years as the term and then MOHELA for some reason changed it to SAVE when Standard payment was lower. Now after 2 applications and multiple follow up messages through CRPB, MOHELA finally processing my repayment plan request to standard - but the term is supposed to be 20 years, not 10. The application/request I submitted shows 20 years and when I had standard repayment in the beginning before it was changed, it was also 20 years.

This is extremely frustrating because after a couple of applications submitted, complaint messages, its finally processed and not even how it was submitted or originally set up.
Product: Checking or savings account

On XXXX I was contacted by phone by what I thought was Wells fargo fraud department. That is what my caller ID said. He made me believe my account was comprised. He had me believe wells fargo needed the card to trace the fraud that was being perpetrated. He told me how to cut the card up put it in a envelope and a currier would pick it up. They raised my daily limit. XXXX transferd to checking account. XXXX withdrawal from debit account. Wells Fargo allowed this to happen. After they picked up the card I went to my Wells Fargo online account and the numbers didn't add up. I immediately called Wells Fargo to stop all accounts from anymore charges. I made an appointment for the next day XXXX with XXXX XXXX. Senior banker for WellsFargo XXXX He made some phone calls to corporate. Got no where. I got 2 claims that got closed # XXXX for the XXXX transfer. # XXXX for the XXXX Now Wells Fargo has added a new disputed transaction # XXXX. XXXX is assigned to my case # XXXX I called him on XXXX and on XXXX left messages no reply. I filed a police report with the XXXX XXXX. On XXXX I talked with XXXX XXXX # XXXX. He's forwarding the report to the FBI. He thinks Wells Fargo is responsble, so do I. To add insult to injury, Wells Fargo charged my savings account XXXX service fee on XXXX Fee would be waived if I had XXXX in my account. I never gave my user name or password or pin # to anyone. I've been a customer around 40 years. I don't think I've ever taken more than XXXX in a day. Wells Fargo let fraudsters take over XXXX In an hour.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered multiple errors and discrepancies in the information reported by your agency. These inaccuracies are highly concerning, as they negatively impact my creditworthiness and may result in an unjust denial of future credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for a credit line increase online with my XXXX XXXX XXXX card through XXXX XXXX. When I requested there was an option that had a check box which allowed XXXX to access your credit report. Below that it had a statement which reads " Please note that we can still review and consider your request for credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox ''. In order to prevent a hard inquiry on my credit report I did not select the checkbox, however a hard inquiry was still made on my Experian credit report. I called in XXXX to XXXX XXXX  and was told by the customer service rep there that I would have to dispute through the credit bureau. Experian the credit bureau stated the only way it would come off is if it was a result of fraud, otherwise I would have to contact XXXX XXXX to have it removed. This morning I called again and spoke with a customer service representative who transferred me to XXXX ( ID XXXX ), She told me she was a supervisor and that although the option to not have your credit report accessed is there, it is still done anyway. She also informed me that the hard inquiry would stay on my report. I informed her at the time that this is misleading to the consumer and I would have understood a soft inquiry but would have never requested the increase if I knew it would negatively affect my score with an unwanted hard inquiry I have included copies of the actual statement that is on the website informing the consumer that they can still review and consider a request for the credit limit increase without accessing your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, this company 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 my written instructions.15 USC 1681n ( a ) ( 1 ) ( a ) and 15 USC 1681o ( a ) ( 1 ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX postal mail XX/XX/2022, XXXX 2022 and XXXX 2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I through Chase Bank did a XXXX transfer # XXXX ( {$500.00} ) down payment to a XXXX XXXX and again On XX/XX/XXXX, XXXX transfer # XXXX ( {$500.00} ) for a total of {$1000.00} phone # ( XXXX ) XXXX using email : XXXXXXXX XXXX XXXXXXXX through a XXXX XXXX On his XXXXXXXX XXXX, XXXX XXXX used a fraudulent Oregon Title and Oregon Drivers ' License : Oregon Title # XXXX VIN # XXXX XXXX XXXX XXXX Process Date # XX/XX/XXXX Control # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I told XXXX how this individual scammed other people including XXXX XXXX who XXXX stole {$3500.00} through XXXX : On XX/XX/XXXX through XXXX XXXXXXXX XXXX  XXXX transfer # XXXX ( {$1000.00} ) and again on XX/XX/XXXX XXXX transfer # XXXX ( {$2500.00} ) to a XXXX XXXX phone # ( XXXX ) XXXX
Product: Debt collection

The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
Product: Money transfer, virtual currency, or money service

I was scammed by online company claiming that would make money by promoting they items. Was train how to use thier system but would need to but money in to complete these tasks and to be able to withdraw the fun. I had to complete this in crypto was walked throw the steps and was told that bank would help me complete the transfer to 3rd party companies to deposit the money. I did have to reach out to Well Fargo to get these completed but was never asked any question. Feel they did not help provide any protection of my money. Have attach complete file of the contacts and communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have called and communicated with both the creditor and the credit bureau to delete the inaccurate information, but information still has not been removed.
Product: Credit reporting or other personal consumer reports

I am disputing the Self Financial/Lead XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Product: Debt collection

JP Morgan Chase Bank, NA attempts to collect payments on a loan it does not own and knowing it does not have the rights to transfer any loans because only the owner or beneficiary is allowed to under the law. Chase broke the law by falsifying assignments by pretending to be the successor in interest to original lender who went bankrupt.The falsified assignment was also signed by a known ROBO signer claimed to be an officer of CHASE The undersigned complainant has asked multiple times for " Chase '' to identify the owner of the note and Deed of Trust which this complainant had entrusted to the original Lender in XX/XX/XXXX. Chase continued to stonewall avoiding to disclose said information to homeowner. Homeowner intended to payoff the alleged debt as soon as Chase can identify and verify the current Holder in Due Course of Home owner 's loan. Instead, Homeowner is threatened with foreclosure. On XX/XX/XXXX Home Owner sent letter to Chase asked again for QWR regarding current owner and beneficiary of the " Loan Homeowner signed, Chase not only ignored receipt of said request, did not bother to response within the 30 day given and transferred the servicing to XXXX. with an effective date of XX/XX/XXXX. Homeowner followed up on XX/XX/XXXX with another letter to CHASE asking for the awaited response under TILA/payoff, CHASE continued to stonewall. Home Owner eventually received a letter from XXXX on Friday XX/XX/XXXX confirming the transfer of servicing. WHILE Chase had previously scheduled Foreclosure Auction for XX/XX/XXXX. Under CA BILL OF RIGHTS A Servicer is required to disclose the owner of the loan prior to any such action. Apparently CHASE does not think it apply to them. I have copies of those letters should you need them, I will have to black out some information before I send to you. CHASE should not get off the hook for their obvious wrongdoing.
Product: Credit reporting or other personal consumer reports

The well-spoken thesaurus XXXX The troops XXXX I filed a dispute on Account XXXX, Original XXXX YOUR TIME FITNESS CHESAPEA, due to gym owner ingore my request for contract, new key, and cancellation of membership. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not only leaked my information but also Items being placed upon credit report despite a credit freeze and fraud alert on the account. No attempts to contact me to verify the information. Unable to speak to a representative to place a dispute against invalid information. I have had no difficulties with other agencies, only this one. 

XXXX XXXX XXXX is a disputed account. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX is not now nor has ever been my address. 

My current mailing address Since XX/XX/XXXX XXXX Past 19 Years ) is XXXX XXXX XXXX, XXXX KS XXXX and is still correct. 

Physical address of XXXX XXXX ( or XXXX XXXX XXXX, XXXX KS XXXX has been my address since XX/XX/XXXX. 

Physical Address of XXXX XXXX XXXX XXXX, KS XXXX from XX/XX/XXXX to XX/XX/XXXXXX/XX/2007
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX  ( reported as Unsecured loan by XXXX XXXX XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by Experian ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : Experian reports the account as " Late 30 Days, '' while XXXX and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern. I ask that you rectify this mistake promptly by updating my account.