23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, US BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

The credit card company has failed to assist me in a dispute regarding an unauthorized charge to my account and in doing so has continued collection efforts, reported missed payments to the credit bureau ( s ) and allowed my account balance to increase with the erroneous charges. Subsequently, my account has been closed. I have disputed the information with the credit bureau ( s ), and the credit card company updated and verified the fraudulent charges in dispute.
Product: Credit reporting or other personal consumer reports

Victim of identity credit card fraud. 

Capital one is reporting I am 30 days late, I am not late.
Product: Credit card or prepaid card

On XX/XX/2022, Chase sent me a phone text message regarding a an attempted credit card transaction that they've declined at a jewelry store. The text message asked me if this was an authorized purchase attempt by me and I replied back " No '' and Chase sent me another message stating that the credit card account will be closed and a new card will be sent to me. Few days later while checking my credit balance I noticed an unauthorized purchase in the amount of {$7300.00} show up on my credit card account with a purchase date of XX/XX/XXXX, the same date when I received the message from Chase regarding the fraudulent transaction attempt that got declined. I contacted Chase regarding the newly discovered fraudulent transaction and told them that I did not make the purchase and the purchase was not authorized by me. They asked me if my card was lost of stolen and because the creditcard in question was still in my possession I said I still had the particular card in my possession, not knowing what stress this answer was about to put me through. So initially, Chase deleted the {$7300.00} from my account, but couple of weeks later, the same transaction was put back on to my account. I called Chase again to dispute the transaction but their reply was because the transaction in question was made using a physical creditcard and since I still had the creditcard in my possession, they dont believe the transaction to be fraudulent and that I am liable for the whole amount! I spoke to the Chase Fraud prevention department several times afterwards trying to tell them I lhave never visited the store where the purchase occurred and have never authorized anyone to make a purchase using my card, but in the end Chase always gave me the same reply saying because the transaction occurred using a physical card and because I still have possession of my creditcard, I have to prove myself innocent. I have personally visited the store where the purchase was made and talked to the owners to get some help from them and the owners do remember the couple who made that purchase ( not me ofcourse ), but because they are afraid that they may have to pay the money back, are not willing to show me any receipt information or provide me with a written affidavit to help me out. So as of now, I am stuck with the bill from Chase. It is my understanding that an unauthorized purchase is a purchase made by someone without the permission of the owner of that account, whether the the card was lost or not. I don't know if someone took the card from me, used it and put it back or whether the card was cloned somehow, but either way I shouldn't have to liable for a purchase I did not make in person nor authorized anyone to make a purchase. Any help will be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with XXXX, XXXX, Equifax they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and ask for validation several times with Equifax, XXXX, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for Equifax, XXXX, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investinvestigation of dispute information or my credit report despite leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against experian alleging, systematic issues such as failing to forward customer provided evidence to furnishers accepting unreliable responses Im failing to adequately notify customers of dispute outcomes these failures aligned with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided on causing going harm to my credit I am requesting immediate corrective action to remove or amend disputed items as experian in action, violates federal law and my rights as a consumer
Product: Credit card

I purchased razors from target on XX/XX/24 for {$170.00}. They were supposed to deliver them to my home but they never arrived despite tracking indicating that they had. I complained that I did not receive the goods and target, without investigating anything at all, just immediately deemed that they were delivered and even attempted to claim I was some sort of scammer because I had newly created an account on their website for this purchase. 

I filed a dispute with American Express regarding this matter and they did not take my dispute seriously at all. XXXX did not provide any evidence of the item being delivered other than the tracking saying it was. This includes no picture of delivery or any sort of evidence at all that the items were in fact delivered to the correct place other than the driving just clicking delivered on their ipad. American Express ruled against me in this dispute. 

I re-opened the dispute claiming no actual evidence of delivery was provided. XXXX re-submitted the same tracking number information which proved nothing and even started making claims that I had said I returned the item and THEY never received it. I of course, never returned this item because I never received it in the first place. It just goes to show target never actually took this complaint seriously, they just figured if they kept sending nonsense paperwork over the fence to Amex, then Amex would side with them. It appears they were right. 

I never received these goods and I should not be billed for them. Furthermore, a credit card company should provide diligence in investigating claims rather than just siding with big retailers that send nonsense paperwork over the fence without trying.
Product: Money transfer, virtual currency, or money service

I bought XXXX XXXX watches from XXXX in XXXX XXXX XXXX. He told me his uncle died and he didnt want the XXXX watches. He requested I use XXXX through Wells Fargo Bank because that was his bank. I also bank at Wells Fargo Bank. After receiving the watches I had them apprised and found out they were fake. I contacted the seller and Wells Frago Bank. Both of them told me to Pound Sand. Nether of them would provide any type of assistance. I spent over {$2000.00} through Wells Fargo Bank. I all all the additional information if you can assist me in any way to get my money back. Wells Fargo Bank needs to be held accountable. I notified them and they didnt care at all. I will be available for any additional information you need moving forward. Once I told Wells Fargo Bank what had happened they should have acted on my behalf and they didnt do anything!! 


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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00},
Product: Debt collection

Wells Fargo illegally and unlawfully seized my automobile XXXX XXXX XXXX on or around XX/XX/XXXXXXXX  and is still injuring me by reporting a balance to my consumer account number XXXX. I purchased this automobile from a local dealership in a consumer credit sale around XX/XX/XXXX, Wells Fargo was security interest in the retail installment agreement in an attempt to purchase the debt. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  a seller may not otherwise take a security interest in property of the buyer to secure the debt arising from a consumer credit sale. A security interest taken in violation of this section is void. '' Therefore wells Fargo had no right to take possession of my property.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. 
Please update all personnel information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove old numbers and address! 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

My account with EXPERIAN was never late! I have had exceptional payment history 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 my 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 to be updated. 


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.

EXPERIAN 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!

Update the late payments from my consumer reports
Product: Debt collection

summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.
Product: Checking or savings account

US Bank {$400.00} Business Checking Bonus Business : XXXX XXXX Approved XX/XX/2023 - Account ending in XXXX Followed all terms : U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use XXXX XXXX XXXX Deposit {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete XXXX qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening.

US Bank has not contacted me after several attempts to rectify.
Product: Debt collection

My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.
Product: Debt collection

I sent a verification letter to the account that appeaed on my account. In the letter was a request for information on the debt when it was owed how much was owed from the original creditor so that we could move forward with the account, this was mailed on XX/XX/XXXX and still have not received a response regarding the debt.
Product: Mortgage

I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, XXXX XXXX XXXX XXXX XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

I have no acknowledgment of this account XXXX Amount : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with XXXX but it was declined.
Product: Credit reporting or other personal consumer reports

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

Equifax is reporting XXXX account number XXXX on my Equfax credit report. 

XXXX has sent Equifax 5 requests to delete the XXXX account number XXXX from my credit report. XXXX. Equifax has refused XXXX 's requests to delete the XXXX account from my credit report. ( See the attached XXXX requests I have sent Equfax 5 disputes regarding the XXXX account number XXXX. I have requested the deletion of the account. Equifax has refused my requests to delete the XXXX account from my credit report. ( See the attached dispute letters ) The XXXX account number XXXX continues to appear on my Equifax credit report as of XXXX. It item has not been deleted and re-reported at any time. 

On XXXX Equifax responded to my last dispute stating that " the disputed item is no currently reportingon the Equifax file. Equifax is not being truthful. I am a PAID subscriber to the Equifax Complete XXXX XXXX. I can access a new Equifax credit report everyday. XXXX See the attached Equifax response ) This matter has been submitted to the Georgia and California States Attorney Generals. 

CC : XXXX, XXXX, XXXX XXXX XXXX, XXXX  - XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. XXXX did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Please verify the following accounts : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX