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

a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

I made an online purchase at XXXX XXXX. I did not receive the items I purchased. I contacted XXXX and they said that they delivered it to another person, but they refused to refund the purchase price. I contacted my credit card to dispute the charge and they received information showing it was delivered to another person named XXXX XXXX ( my name is XXXX XXXX XXXX, but they declined the dispute. 

I did not receive the items I purchased. The information provided by XXXX submitted to Wells Fargo shows the packaged was delivered to another person. I want a full refund. I did not receive what I purchased and there is documentation from the merchant provided to Wells Fargo that it was delivered to someone else and not me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : Special Financing Comp Date of Inquiry : XXXX XXXX, XXXX Credit Bureau Reporting the Inquiry XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred. 

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law. 

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA. 


Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO TRANSUNION CREDIT BUREAU : 1. 3. XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, All XXXX  loans under my SSN were transferred from XXXX to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other two Credit Bureaus were correctly reporting all my students, Experian continued to reflect XXXX on my credit report. I immediately reported a dispute on my credit report, only for Experian to report that XXXX reported the account as accurate. 

I got into contact with XXXX, who immediately reported that there was no account under my SSN and that Experian was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided Experian with Sufficient Documentation from XXXX and the US Government that shows I have no XXXX  loan debt. However, they continue to report the three accounts under my name and SSN, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed AD Astra via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$17000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$2200.00} Other Identity Theft Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$250.00} Fraudulent Online Shopping or XXXX Account XXXX or Organization : XXXX XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting this letter to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled all 3 of my credit reports on XX/XX/XXXX. I immediately recognized an account that I had no knowledge of whatsoever. On XX/XX/XXXX, MONEYLION INC, added a derogatory mark on my credit report via XXXX, XXXX and XXXX. On XX/XX/XXXX, I sent a certified debt validation letter to the companys address being reported under the debt. On XX/XX/XXXX a representative of moneylion by the name of XXXX called me. I let her know I sent the validation letter and through usps certified mail, and got confirmation of receipt on XX/XX/XXXX, XXXX however they had still not responded. She stated that MONEYLION INC does not respond to mail via mail. I asked if she could send me validation through email and she did. Attached were two documents, None of which contained A written signature for them to claim this debt to be mine. A contract or agreement without a WRITTEN signature does not validate a debt, Anyone can type a name in a box  and claim it to be mines. According to the FCRA, MONEYLION INC has  violated my rights as a consumer and I am requesting legal action to remove it from my report completely.
Product: Debt collection

My wife  XXXX   XXXX  made a purchase on her  XXXX   XXXX   XXXX  credit card in the {$200.00} on  XXXX / XXXX / XXXX . The credit card bill was paid in full on  XXXX / XXXX / XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of the  XXXX  statement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  XXXX   XXXX , and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they  MAY  mark the debt as previously paid.     I have the cancelled check drawn on our joint  XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvious  one  ... they are trying to collect on a credit card account that their own information shows has a  XXXX  balance. This has to be illegal.     This group, Alpha Recovery Corp, or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Mortgage

I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX, and Experian and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.
Product: Debt collection

I do not have a signed contract nor any contract with EMERALD AR SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with EMERALD AR SYSTEMS. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit card

UPDATE TO CLAIM XXXX -- -- UPDATE TO CLAIM -- XXXX -- -- UPDATE TO CLAIM -- XXXX Wells Fargo has acquired my social ( credit card ) as defined under 15 USC 1602 to conduct a consumer credit transaction where I applied for an extension of my own credit but received no benefit and instead have been unlawfully denied. Wells Fargo still holds my identifying information like my social and has not performed its duties accordingly being in direct violation under 15 USC 1644 for in fact Wells Fargo has obtained my credit card for the sole purpose of extending to me my own credit via a FINANCE CHARGE but has denied me my Right to credit causing me harm and mental anguish and a lose of confidence in the banking system. This is a direct violation under 15 USC 1691 which clearly states -- -- -- ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- - ( XXXX ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -Definition of credit under 15 USC 1691a clearly and directly states -- -- -- credit ( d ) The term credit means the right granted by a creditor -- -- -- -Definition of creditor under the same provision -- -- -- -- -creditor ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; -- -- -- -- -Definition of person under the same provision -- -- -- -- person ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. -- -- -- -- -- -- I the natural person have attempted to exercise my RIGHT to credit using my credit card to create an extension of credit via a consumer credit transaction creating a FINANCE CHARGE with Wells Fargo and have been denied that RIGHT. Wells Fargo instead alleges their COMPANY POLICY GRANTS THEM THE RIGHT TO DISCRIMINATE AND SEVERLY HURT A CONSUMER which is false and deceptive for policy does not XXXX Federal Law. Wells Fargo has obtained something of value for the purpose of money and has not performed in good faith denying a Federally Protected Right and is now also in violation under Tittle 18 242, 18 USC 1028A.
Product: Debt collection

The only time I knew Renton Collections had a debt out for me is when I seen it on my report. I was never contacted by them. I called the original creditor XXXX XXXX XXXX almost 2 years ago to find out this was a ER trip my daughter had. This trip was covered by her then and now XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was charged and billed by mistake and shouldnt have been and it was admitted by them at XXXX XXXX XXXX. They stated that it was put in their system a while ago to remove it from my credit report but I told her then it was still there. Now today it has yet to be removed as well. It is bringing down my credit score tremendously.
Product: Credit card or prepaid card

I have a costco citi card. Two weeks ago, I called and disputed a {$60.00} cash advance fees that I had been charged out of the blue for using XXXX. Citi ultimately reversed the charge and I have stopped using XXXX. However, I continue to see {$10.00} cash advance fees pop up in my transaction history every day or every other day. I dispute everyone of them and Citi removes them, but I am tired of this game. I don't take cash advances on this card, or in general. I try to keep my card paid in full and spend $ XXXX to $ XXXX on it each month. I'm fed up with Citi 's schenanigans. How many people have been assessed a series of {$10.00} cash advance fees for no reason and failed to catch and dispute them?
Product: Vehicle loan or lease

On XX/XX/XXXX, my wife made a payment at XXXX on the last day before the XXXX payment would be considered 30 days past due. My wife and I were tending to a medical emergency on that day and the days preceding when this occurred, and while payment should have been made much sooner than the XXXX hour, it was an extraordinary circumstance that has now affected both our credit reports. We've worked hard to pay our bills on time and to maintain credit reports with excellent credit payment history. We've been customers with XXXX for nearly 5 years and have always paid on time. This is the first time this has occurred, and it was only an hour past the deadline. We called Nissan XXXX and were told there was nothing they could do and for us to file a dispute via a letter. We are flabbergasted and just disheartened because we've worked so hard to make sure our bills are always paid. We are planning to buy a house, as we've lived in the same apartment since XXXX and this is just devastating to our credit report and score. 
We are submitting this letter to get this late payment removed from our credit reports. Weve been loyal customers, as weve paid off two vehicles and this our third through XXXX and own another XXXX financed through our bank. 
We are humbly requesting that you review our case and help remove this late payment from our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00} XXXX XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX Opened XXXX {$710.00} XXXX  Opened XXXX {$840.00} 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX XXXXXXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report