23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Urgent Dispute Request Immediate Removal of Inaccurate and Unverified Account To Whom It May Concern, I am writing to formally dispute the account listed under XXXX XXXX XXXX on my Experian credit report. This account is inaccurate, unverifiable, and must be permanently removed under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Details : Creditor Name : National Credit Systems Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Balance : {$370.00} Business Type : YC I demand that this account be removed immediately within five ( 5 ) business days, as Experian is required by law to investigate and delete any unverifiable, inaccurate, or unauthorized information under the FCRA.

Legal Grounds for Removal : 1. FCRA 1681i ( a ) Failure to Verify Accuracy of Information Under this section, if the furnisher ( National Credit Systems ) can not verify this account with original signed documentation, it must be deleted. Experian must conduct a reasonable investigation, and failure to do so violates federal law.

2. FCRA 1681e ( b ) Maximum Possible Accuracy Experian is legally required to report only accurate information. If Experian can not provide proper documentation from the furnisher, this account must be permanently removed.

3. FCRA 1681s-2 ( a ) Duty of Furnishers to Provide Accurate Information National Credit Systems must provide legitimate proof of this account, including my original signed contract or account agreement. If they fail to do so, this account must be deleted immediately.

4. FCRA 1681b Unauthorized Reporting If this account was reported without my express authorization, Experian is in violation of federal law, and this account must be removed.

Recent Lawsuits & Legal Precedents There have been multiple class-action lawsuits and regulatory settlements involving Experian, XXXX, and XXXX for failing to properly investigate disputes. Non-compliance with FCRA regulations can result in legal liability under FCRA 1681n and 1681o, including statutory damages and attorney fees. 

Resolution Demand : I demand the permanent deletion of this account within five ( 5 ) business days under FCRA 1681i ( a ) ( 5 ). If Experian does not comply, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Pursue legal action for willful non-compliance, seeking damages under FCRA 1681n. 

I expect written confirmation of the removal of this account. If Experian fails to act within the legal timeframe, I will proceed with the necessary legal steps. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have own my home for 19 years and I went thur the banking crisis in XX/XX/XXXXand I had trouble with Wells Fargo to give me a new mortgage. finally in XX/XX/XXXX I got a new mortgage thur making homes affordable. but my issue is why did it take so long for Wells Fargo to give me a new mortgage when I was ready back in XX/XX/XXXX. Now my beef with them is they took all of the arearage and legal fee and etc. They rolled it all in for me to pay. When I started I owed {$110000.00} and when the gave me the new mortgage it was up to {$220000.00}. Yes they did give some payback relief but I want to know why is it all on me for the arearage when all I could do was wait on them they took the 6 years. not me I was ready in XX/XX/XXXX. I want  to know if the guide lines for making home affordable is that the consumer has to carry all the burden of arearage when we really our hand are tied all we can do is wait for big business to tell us what we are going to pay. I contacted wells fargo and they told me that they did everything right. So I have been in this payment arrangement now since XX/XX/XXXX and still I have no answers. please what is the rules for this. THANK YOU
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I have been a DISCOVER CARD customer for XXXX years. EXCELLENT CREDIT I was recently the victim of a vicious criminal actor, who placed a XXXX  XXXX to my head as he forced me to provide him with several of my bank account identifiers ( e.g., card numbers, etc. ). Under duress, I had no choice but to provide the suspect with my DISCOVER card number, which then resulted in multiple unauthorized charges. One of the largest charges ( {$8200.00} ) was completed at XXXX XXXX XXXX which is apparently a law firm in XXXXXXXX XXXX  ( I have never heard of nor interacted with this business ). 

I have submitted the fraudulent transactions to the DISCOVER Customer Fraud Support division for help with this matter, but I have received no assistance ; certainly not the assistance that I believe should be provided to a XXXX, longstanding customer with a flawless financial track record. To me, this incident is no different than if somebody had robbed me at gunpoint, taken my wallet, and then used my credit cards DISCOVER TOLD ME I AUTHORIZED ALL THE CHARGES AND REFUSED TO DO ANYTHING. This scammer took everything, all my savings, all my credit cards, my driver 's license. I was never so scared in my life. I protest and they refuse to reverse all the charges. Statement attached. Ruined my XXXX XXXX  score. Demand I pay the {$36000.00} charged. In all my XXXX years my record shows this is not me at all. I never ever have done this. 

I'm on a fixed income, and they expect almost {$800.00} a month I MUST pay. Asking me to pay for what this man did to me is outrageous. I can not HARDLY NOW pay for groceries ; medications and barely afford my rent. 

Other banks reversed the charges after investigation but NOT DISCOVER!! 

I am respectfully requesting your assistance with this matter. If it would assist you further, the case is actively being investigated by the XXXX XXXX Police Department. The detective handling the investigation has offered to provide additional information as requested ( XXXX XXXX, XXXX, XXXX ). He has stated that the evidence obtained so far is looking promising to identifying at least one suspect.
Product: Money transfer, virtual currency, or money service

missing/unauthorized funds. no cash app assistance.
Product: Credit card

In  XXXX   XXXX , due to the advertising from  XXXX  's  XXXX   XXXX , we purchased a few items of new Furniture from   XXXX   XXXX   XXXX     XXXX , located in  XXXX , AZ. We were solicited by the store sales staff to sign-up for their " Interest-free Payment Plan ''. If it was not for this Interest-free Solicited Offer, we wold not have agreed to purchase this furniture from  XXXX  's  XXXX   XXXX   ( a nd would have purchased elsewhere  ).   It was only AFTER we purchased this furniture from the retail store that we were notified we had just signed-up for a Credit Account from  Wells Fargo  Banking. Over the course of the subsequent 8 months, we made our designated, required payments on this account, and in fact often paid double the minimum payment amount required on this Credit Card. In  XXXX  of  XXXX  we were outraged and shocked to discover that  Wells Fargo  Credit Card company - on behalf of  XXXX  's  XXXX   XXXX  - and on a remaining outstanding Credit Balance of only {$1200.00} dollars ( with a minimum payment due of only {$70.00} ) the Credit Card company had charged us {$380.00} as an INTEREST CHARGE!   See attached PDF copy of Statement from  Wells Fargo Ba nk Credit Card and   XXXX   XXXX   XXXX   XXXX  .   We contacted the  Wells Fargo  Credit Card company and complained about what we believed must have been some kind of calculation error in their billing, and were told an agent supervisor would get back to us ; but no one ever contacted us!   Subsequently, even though we continued to make regular monthly payments on this Credit Card balance, often with payments double the minimum amount required, the  Wells Fargo Credit  Card company and  XXXX   XXXX   XXXX   XXXX  has continued to charge us further, additional " Fees '' and " Interest '' charges every month, of at least {$63.00} dollars and as much as {$72.00} dollars each month over &amp; above the {$380.00} they 've already charged us in " Interest '' on what was only a {$1200.00} balance ( before their ludicrous, outrageous additional Interest Charges ).   They have unfairly charged us the following amounts : {$380.00} Interest Charge in  XXXX   XXXX  {$72.00} Interest and Other Fees in  XXXX   XXXX  {$31.00} Interest Charge in  XXXX   XXXX  {$63.00} Interest Charge and Other Fees  XXXX   XXXX  To date, Total of {$550.00} in Interest Fees and Other Fees ( on a {$1200.00} balance ) in just the past 4 months!!   The Fair Credit Act is supposed to protect Consumers like us from unethical, unscrupulous criminal " gouging '' conduct like this by greedy banks and shady lending companies such as   XXXX   XXXX   XXXX   XXXX  . These ridiculously-high Interest Charges and " fees '' should be immediately removed from our Billing, and, this  Wells Fargo National Financial  Bank Credit Card company should be heavily fined by the FTC for violating consumer trust, as they have done here. This unethical " gouging '' of faithful consumers by  Wells Fargo Cre dit Card companies and their  XXXX   XXXX  partner-in-crime should be stopped and prevented from ever being perpetrated on other good-faith consumers in the future!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : XXXX : XXXX XXXX : XXXX TransUnion : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX  child case. Some of my name 's showing are wrong. Derogatory marks from a bank
Product: Mortgage

My loan started out as an XX/XX/XXXX loan with XXXX. It was transferred to XXXX  XXXX XXXX. It was then transferred to XXXX. It is now with Mr. Cooper. Mr. Cooper says they can not locate the original loan terms and can not offer me any information. 
The company misled me about my options. I requested to be considered for a modification during my Covid-related hardship on XX/XX/XXXX. They placed me in forbearance until XX/XX/XXXX, after which time they told me that I didn't qualify for a refinance. Now they are foreclosing on me and they won't talk to me. They refuse to tell me who the owner of the loan is so I can negotiate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraud account is not mine. Moreover only one bureau reports this misleading information. Obviously, that this is an error. Please remove it as soon as possible.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX, number:XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts wells fargo, XXXX XXXX XXXX XXXX XXXX XXXX  has Violated my rights. 
15USC 1681SENTION 602 STATESI HAVE A RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 ASECTION 2 it also States a Consumer Reporting Agency Can not furnish a account withoutmy written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as a late for and purpose.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been requesting that equifax provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every dispute was investigated by equifax and the results were " verified ' and updated, however equifax did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX  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 or other personal consumer reports

SUBMITTED ADDITIONAL INFORMATION//////THIS IS NOT A DUPLICATE!!!!!! I have multiple times requested the XXXX. Inquiry be removed as this inquiry was unauthorized. There is a non compliance with trans union, violation of the FCRA. ( 15 U. S. C. 1681 et seq ). As well as section 604. Inquiring date XXXX Was removed from XXXX, but is still on my credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX XXXX XXXX faxed XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over XXXX hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, 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
Product: Debt collection

i am working on resolving on my credit card debt in general, i have asked this particular phone called in general to stop calling and got a nasty response of a live person that it doesn't work that way without even hearing the story, i refuse to receive abusive tempting calls, especially after blocking one of their phones already, i have asked again to stop calling but the person on the phone did not think its a reasonable request
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender.

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumers placed a hard inquiry on my credit and now it's keeping me from purchasing anything has it like a derogatory comment but I never purchased anything from the company to have anything reported negatively.
Product: Payday loan, title loan, or personal loan

I took out this loan on a XXXX XXXX and Ive paid way over the value of this loan. And fees are outrageous. There is still a payoff amount of {$1600.00} to buy out the product.
Product: Consumer Loan

Hyundai Motor Finance was charging late fees and other hidden fees and deducting these amounts from my monthly payments. I was not made aware of these late fees and other hidden charges that is not on the contract that I signed when I brought the car from Hyundai dealership. On XX/XX/XXXX, Hyundai Motor Finance repossession of my vehicle when my loan was not in default. To date, Hyundai Motor Finance took my monthly payments and took the vehicle. 

On XX/XX/XXXX, I was on a confernece call with Hyundai Motor Finance Manager name XXXX and my bank XXXX bank. XXXX confirmed my monthly payments that were sent and accepted by Hyundai Motor Finance. Hyundai Motor finance is stating I never paid them from XXXX XXXX until XXXX XXXX. They took and held my payments just to charge me late fees and other hidden fees. My loan is current and my next payment is not due until XXXX, XXXX. Hyundai Motor Finance is telling me in order to get my car back I must pay the XXXX bill on XXXX XXXX. Hyundai Motor Finance should not have the right to charge late fees and other hidden fees then lie and state that the monthly bill requirement is not being met. 

Also, Hyundai Motor Finance never sent me a notice stating the reason of the late fee and other fees they placed on my account. This company have verify unjust and unfair business practices that allow them to collect money they are not entitled to. 

Hyundai Motor Finance took my car and my money and now I am missing work for three days now.
Product: Credit reporting

Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error.