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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$910.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} ''
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience such as Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I ordered merchandise on XX/XX/2021 and about an hour later, I requested to cancel the order until further notice. I got an email " the next Day '', on XXXX the XXXX, 2021 stating that the merchandise had already been " shipped '', but I requested the order be cancelled within 8 hours of the order on Sunday, so there are " no '' shipments on Sundays. I spoke with three people today on phone about the order ( the third one was a supervisor ), and she told me that she would credit my account for the order since I requested it be cancelled the day the order was placed, within 8 hours. Consumers have the right to " cancel orders '', within24 hours, which I did within 6. See attachments of emails correspondence back and forth with Swiss Colony Reps.
Product: Credit reporting or other personal consumer reports

Furnishing private information without my consent. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumer 's right to privacy '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801.

The Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish the information detailed in attachment, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Under GLBA Consumer reporting agencies are by definition " A Financial institution, '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by ( Consumer Reporting agencies ) XXXX, XXXX, and Transunion. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' All information unauthorized is considered inaccurate, incomplete, or unverifiable by definition.

I am opting out of the ( Red Lined private information shared without my consent [ see attachments ] ). 
I am also requesting that any and all future information be approved before sharing publicly via email e-signature confirmation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Experian a major credit bureau had illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act Experian violated all privacy rights due to their false and misleading ways. According to the fair debt collections practices act, Experian has mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others. 
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX was contracted to preform Plumbing & Electrical installs on the addition to the property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. A total deposit for work was given to XXXX XXXX, for {$1400.00}. Three XXXX payments of {$500.00} each, were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX. Work was scheduled to be completed by XXXX, on XX/XX/XXXX and XXXX, XXXX On XX/XX/XXXX, XXXX contacted XXXX and stated that he was ill and unable to complete the work, as scheduled. They agreed that work could be rescheduled. For 3 days, XXXX was unable to reach XXXX to reschedule the work contracted. XXXX did not return any of the multiple calls or texts, requesting information on when the work could be completed. On XX/XX/XXXX, XXXX reached and stated that he was still ill. XXXX XXXX she would contact him on Monday, XX/XX/XXXX to reschedule and get the work done. She and her husband attempted calls on XX/XX/XXXX and XX/XX/XXXX, will no responses. They finally sent a text, requesting a full refund and that they would be filing a dispute with their credit union. XXXX still did not respond or contact them. XXXX XXXX did not preform any work at the property and has not fulfilled the agreement for work. Our credit union, XXXX XXXX XXXX was contacted and a dispute was filed for return of funds, due to fraud. Wells Fargo Bank, refused to return funds, even thought this company and person has been reported to the Register of Contractors and XXXX XXXX XXXX for fraudulent activity, on multiple occasions. XXXX XXXX is contracting work as a registered, licensed contractor and he is not either. Wells Fargo Bank will not work with my credit union or me, to return funds that were taken, due to fraud and scamming people. All XXXX XXXX XXXX XXXX is stealing money from people and Wells Fargo refuses to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Post office box XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} XXXX XXXX  account. {$850.00}
Product: Student loan

My student loan is with Navient. They have, over the course of several months, applied all of the money I have sent them to interest only. The principle balance never goes down. When I contacted them about this, they informed me I was on a graduated repayment plan which would send all of my payments to interest only. I never requested this from them! They are parasites, leeching off of consumers. I requested that my payment plan be changed back. They have done so, and I will monitor it very closely from here on out.. This loan is for my attendance at XXXX XXXX XXXX XXXX XXXX ( a for profit school which also took advantage of me )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$210.00} Account # XXXX XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$420.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the above mentioned accounts. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the XXXX FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Checking or savings account

At my bank I was needing to pay for for some packages and was was making some withdrawals plus using my debit card for payments. They began giving me trouble every time I needed money and I told them what it wa for but they pay no mind to me and froze my account and froze my debit card. They have held up my account for to long, five weeks and 3 days now, which is causing me problems without my funds. I have checked with them a few times but all I hear is we will call you, but Ive not heard from them thus far.
Product: Vehicle loan or lease

On XXXX XXXX, 2017 I purchased a new vehicle from XXXX XXXX XXXX in XXXX Florida. I traded my XXXX Chrysler 200 in as part of the deal with the dealer promising to pay off said loan with Chrysler Capital while obtaining a new loan with Chrysler On XXXX XXXX, XXXX I learned that not only did the dealer lied, and not pay off my loan some 26 plus days later, but my loan is in default as a result of the dealer misrepresentations. Neither XXXX XXXX nor Chrysler Capital will take action against the dealer for their misrepresentations nor hold them responsibly for the default loan as a result of their delays in paying said loan number XXXX. Not only will my credit be harmed, but no one will correct the situation which was no fault of my own. The dealer needs to be held responsible for this and XXXX XXXX & Chrysler Capital need to sanction said dealer for this issue.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue how they got there. I regularly check my report, but this time, there were sudden discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but nothing changedthe errors remained. I'm deeply concerned about this and request that the documents Ive provided be thoroughly reviewed so I can put this behind me for good.
Product: Bank account or service

I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck.
Product: Mortgage

My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX & XXXX ( XXXX XXXX XXXX Item disputed on XX/XX/2023 XXXX XXXX  ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XXXX Late Payment Item disputed on XX/XX/202XXXX XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX XXXX XXXX XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX ) XXXX Late Payment XXXX XXXX  ( XXXX XXXX Charge Off XXXX XXXX  XXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) XXXX Late Payment Item disputed on XX/XX/2023 XXXX XXXX ( XXXX ) XXXX Late Payment XXXX XXXX ( XXXX ) Charge Off Item disputed on XX/XX/2023 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 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 Chapters View
Product: Credit reporting, credit repair services, or other personal consumer reports

I called   XXXX   XXXX   to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Reported accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had an auto loan pay off with Wells Fargo and that was paid in full over almost XXXX months ago. Wells Fargo the month I paid off the vehicle auto payment still came out. I called in and they were polite and said they 'll mail back a check should be there within XXXX business days. No check here, I called back XXXX business days later and they apologized and said they just mailed out the check and it would take another XXXX business days to get to me. XXXX business days later again, still no check, I called and I find out that the previous rep mailed the check to the wrong address despite me confirming my home address. The representative this time informs me that they 'll directly deposit the funds into my account now within XXXX business days. XXXX business days later, still no money! I call and ask why the funds are not deposited into my Wells Fargo account and they do n't have an answer for me. I request to speak to a supervisor and the supervisor could n't answer any of my questions and did n't seem interested in helping me but getting off since I know it was the right as their offices close. I requested a follow up call back from the supervisor on Monday to give me a status update. No phone call and still no money!!!!! Wells Fargo keeps dodging my phone calls and questions and two months now and they still have n't gotten my check back to me. 
It 's funny that Wells Fargo will charge me a large late fee if late paying them but there is no late fee for them returning your own money even when its two months late now.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.
Product: Credit reporting or other personal consumer reports

I have five Fruad accounts appearing on my credit report I have listed a FTC report below.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

In reviewing my Transunion credit report I discovered an inquiry from XXXX XXXX XXXX on XX/XX/23 XXXXI have never applied for any credit or service from this company. I called them directly and ask what the inquiry was for and was told they do not have any record of me making application to this company. I asked this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Debt collection

In XXXX of XXXX I became my mother 's legal guardian and conservator, as ordered by the state of Colorado. Shortly there after I moved cities within Colorado. I never received a bill for this instance of my mother 's outstanding credit card debt. Then, in early XX/XX/XXXX, I was served with a court summons on by the law firm / debt collector agency XXXX XXXX XXXX, XXXX. I am not disputing the debt owed, but would simply like to resolve this outside of court. Here is the timeline of my attempts to contact them to seek resolution : XX/XX/XXXX -- Called at XXXX XXXX and left a voicemail. The court summons did not include a reference number, which their outgoing message asked me to provide, so I could not provide it. My call was not returned. 

XX/XX/XXXX -- Called again and was connect to XXXX XXXX, extension XXXX. She confirmed that we could resolve the matter, but that I simply needed to send them copies of the guardianship and conservatorship orders from the state of Colorado, and then call back a few days later. I emailed them to the email address provided : XXXX. I did not receive confirmation of receipt. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called an left voicemail on XXXX XXXX 's extension. 

The court date is XX/XX/XXXX. 

I learned of this debt that my mother owes in XXXX and immediately attempted to resolve it, but they are forcing me to go to court.