23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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/XXXX
Product: Debt collection

I received on my credit report that I had a charge off of {$5200.00}. The collection started on XXXX of XXXX but it shows that the last updated payment was XX/XX/XXXX and the last payment amount was {$6100.00}. I received no information regarding the last payment or how it got to the amount of {$6100.00}. I was never notified through letter or email about it being paid off or how it was paid. I also never received an account number from them or even a letter saying they were the ones that had my debt.
Product: Credit reporting or other personal consumer reports

I have additional Information I would like to provide in regards to the following complaints prior to this Thank you so very much for your time, patience and assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute regarding incorrect information on my background check. I received a same-day confirmation that my request was received. Three business days later I was told I needed to submit additional information. I submitted the information the same day. Received no response or acknowledgment from the company. Called six business days later as I didn't receive a response ( was told I'd receive one within 3-5 business day ). I was told I never submitted the information ( despite having written proof ) and I resubmitted the same information on the same day. I receive no response or confirmation so I resubmitted the information again six business days later and again three days after. Called the office again because I didn't receive a response and it was the same nasty lady that I dealt with before. I was explaining to her my situation and how this is affecting me. She didn't care and was VERY rude. After being on the phone for almost an hr she hung up. I called back again and spoke with someone named XXXX who was decent and explained that the XXXX who I dealt with before put in a totally different request that didn't have anything to do with what I requested. Needless to say, Transunion is one of the WORST companies and I hate that they are involved in my life.
Product: Checking or savings account

My wife has ( had ) a savings account with Wells Fargo. The bank has seized the account, blocking all access to the account. I have tried to contact the bank to resolve. They have not responded. The in-branch customer service person says they can't help me.
Product: Mortgage

This mortgage company PHH is charging a fee of XXXX that I dont know what is about. I know I tried to do a modification with a company name Owen but they sold my account to PHH. The modi never was approved they just love to take money and charge fee from customers like me
Product: Checking or savings account

I opened a savings and checking account with Chase bank on XX/XX/2019. The account was opened and I started the process to fund the account. I funded the account through a transfer initiated by Chase with my other bank. On XX/XX/XXXX I received an email stating Chase had canceled the transfer. I called Chase to ask why they had canceled the transfer and they told me they closed my account and canceled the transfer. I have asked repeatedly why my account had been closed right after I opened it and the only response I receive is " Our account specialist reviewed the account and you can no longer bank with Chase. '' I am unsure what caused them to determine I am unbankable and I feel like they should have denied my account request initially instead of waiting for me to initiate the transfer. I would like Chase to take me off of their unbankable list because I have done nothing wrong. If there is something wrong with my banking history they should be able to explain to me why they decided to close my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter had passed away and I was going through a divorce and lost my job at the same time. I let XXXX know of this situation as to remove late payments after I paid my balance in full and they declined my request. I have then resubmitted another goodwill letter with no reply. I still have a current open account with then in good standing. I am just asking them to remove the late payments off my credit report as it hurting my credit to know buy a new home.
Product: Credit card

I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. The charges that I would like help to dispute on my Discover card are : {$5000.00} XX/XX/2016 XXXX {$2000.00} XX/XX/2016 XXXX {$2400.00} XX/XX/2016 XXXX {$1700.00} XX/XX/2016 XXXX XXXX {$1200.00} XX/XX/2016 XXXX {$5100.00} XX/XX/2016 XXXX {$1900.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$16.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2016 XXXX {$3000.00} XX/XX/2016 XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with XXXX to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked XXXX to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that XXXX wrote off the balance. it does not say " Paid in full '' with a XXXX balance. XXXX told me that's what it would say.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account Systems-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 XXXXXXXX have all violated my rights. 

15 U.S.C 1681 secion 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XXXX I lived in apartment building in XXXX due to XXXX XXXX XXXXXXXX. I reach out to the landlord and let them know for my safety I had to move immediately. As the law required a tentant I proved an verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated i had to pay the remaining of the lease I refuse paid my last month an left. they became upset an reported un paid fee of XXXX dollars to XXXX XXXX who has continued to ignore my pleas an legal paper work an have continued to refresh the report even though it has passed the XXXX term as recent reported i have reach out to them with no prevail. I have also disputed it several times to all three bureau equifaxXXXX XXXX XXXX XXXX  has open this report as recent as XXXX an claim that the report has been open in XXXX XXXX XXXX an XXXX months i have lived at my address for XXXX please help as a mother of XXXX boys who is in the process of buying a home i need help to stop this on going abuse of power to further my kids an i future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.
Product: Debt collection

I've paid them and they still are showing that I'm derogatory. My next step is to file a court petition.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : 14 XXXX XXXX   XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 14 XXXX XXXX XXXX  I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian credit report lists two potentially negative issues. 

( 1 ) A debt to XXXX XXXX company that XXXX submitted to XXXX XXXX XXXX XXXX XXXX. I initially did not pay XXXX because they were billing me {$680.00} instead of {$380.00}. I contacted XXXX about this discrepency and they indicated that they would get back to me ; they never did. Instead, they gave my bill to the XXXX XXXX XXXX XXXX XXXX. I was still not able to resolve the discrepency in the amount owed, and only after submitting a complaint to the CFPB was the balance due adjusted to {$380.00}, at which point I paid the bill in full. However, by the time I was able to get the amount due adjusted, several months elapsed. I was never notified that an investigation was underway by experian or of the negative results of their investigation. 

( 2 ) Experian lists on my credit file an issue with XXXX XXXX XXXX that is potentially negative. The account was always paid on time, never late, and was voluntarily closed by me. This should not be listed as negative.
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed a letter to XXXX back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$250000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$29000.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX had a company call, Central portfolio Cont. ( XXXX XXXX XXXX XXXX XXXX : XXXX ) say I owe them XXXX on my credit report. They reported I opened a account with them and XXXX for rent or whatever and still owe them a balance. I never live at this address and have bank statements and credit card statements reporting my pervious address for the last 6 years. I talk with XXXX and report FRAUD but got no good results from them. I, also submitted a police report explaining my information. I will provide another police report and my ID to verify me. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to EXPERIAN Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit card

Received 2 letters in mail from credit card companies stating my application was denied. Wells Fargo on XXXX for a credit card. Second was XXXX for a personal loan on XXXX. I also received two phone calls from XXXX first on XXXX, second call on XXXX. I returned the call and they stated my card application was denied. I told XXXX that I did not apply for a card. XXXX verified some information from the application, the name was correct and address was correct. Phone number was incorrect and last digits of driver licenses was incorrect. XXXX phone number was XXXX reference to XXXX. One person was XXXX and second caller was XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have been dealing with XXXX XXXX XXXX for XXXX of last XXXX  they put a hold in my account I made several complaints thru cfpb account still on hold they also shared my information with 3rd parties which is illegal and shared my personal privacy information also have my ssn and application and making money on my securities without prejudice all rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a Disabled Veteran and that meant nothing to the them.
Product: Debt collection

I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX County Support Payment, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at Experian as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX   telephone the originator of the complaint immediately.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX  credit card on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see XXXX hard inquiries one on the XXXX and one on the XXXX. I sent a letter to XXXX XXXX to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.