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

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.
Product: Checking or savings account

Relay Finance has locked my account. I am able to view my funds when I log on but I am unable to transfer this money out of my closed account. Relay and their banking partner ( XXXXXXXX XXXX XXXX XXXXXXXX ) closed my account. The amount I need to move out of this closed account is XXXX.
Product: Credit card

I received a Care Credit card to pay for my dental work, having not been told that a very high interest rate for the total amount would be added to my account after one year. The interest was $ XXXX+!!!!! I called to file an extension and was given more time, since I had no idea that this was the case. Nine days after the extension date, I called to pay the amount in full of {$1800.00}, they said that I would have to pay the interest too. I worked massive overtime to come up with such a large chunk of money, only to discover they would not honor this. They were also incredibly rude. They said a supervisor would call me back within 48 hours, and of course, no one called me back ever. This company should be shut down for scamming people!
Product: Credit reporting 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 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. In accordance with the Fair Credit Reporting Act, I hereby request that a thorough investigation be conducted to rectify and eliminate these items from my credit report. I understand that you are required to reevaluate these items by contacting the respective creditor. Any information that the creditor is unable to verify should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days from the date of receiving this letter. Please send an updated copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with this updated report. Additionally, I kindly ask that you notify anyone who has obtained my credit report in the past six months about the necessary corrections. 

XXXX XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX  XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX  XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 
XXXX XXXX XXXXCollection/Chargeoff Balanced should be XXXX. Delete it from my credit report. 

Please send an updated copy of my credit report to the aforementioned address. According to the act, there should be no fee associated with this updated report. Additionally, I kindly ask that you notify anyone who has obtained my credit report in the past six months about the necessary corrections. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit card

I am a XXXX in my XXXX from XXXX, Montana, and am adjusting to managing my finances after my husband passed away. I have been a Wells Fargo customer for 48 years and currently I have a checking account, savings account, and credit card. The credit card is a Wells Fargo Active Cash which has XXXX liability advertised. 

On XX/XX/year>, I was the victim of fraud. The scammers hacked my computer and email account, locking me out of any notifications and two-factor authentication. They made several purchases on multiple sites. 

Several of the websites blocked the charges, ex. XXXX, immediately detected fraudulent efforts and froze my account. Several large, and obviously suspicious charges went through my Wells Fargo accounts. Wells Fargo refunded most of these charges and one of the vendors ( XXXX  ) refunded the charges. However, XXXX, a XXXXXXXX XXXX XXXX, did not refund the charges and Wells Fargo refused to refund them. I have never heard of XXXX or even understand what the website does. The charges that got processed were 2 charges each for {$4400.00} from XXXX and 2 charges each for {$2900.00} from XXXX. The XXXX  charges were refunded. 

I have made at least 4 formal attempts to work with Wells Fargo to remove the fraudulent charges with no success. I have included a detailed timeline in the attachments. 

I believe that Wells Fargo is intentionally making this very difficult, including hanging up on calls, providing wrong charge amounts in discussions, an excessive number of transfers during calls, providing incomplete responses, and dragging out the effort. They have started charging me interest on the fraudulent amount. I pay off all my real charges each month and no longer actively use the card. 

I have been trying to find an attorney to represent me, but many of the local attorneys in XXXX have worked with Wells Fargo and therefore have a conflict of interest and can not represent me.
Product: Credit reporting

I put in a dispute to Equifax regarding my XXXX balance on XX/XX/XXXX via fax since they will not allow me to access my credit report via the internet. I found out on XX/XX/XXXX that the account was never disputed and that it would be another 30 days before anything happened. This has caused a huge problem since I need to go for a loan and am now out of time. I need the balance to show correctly immediately. Spoke with XXXX XXXX in Office of Consumer Affairs, stated at that time the dispute was not processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case # XXXX & Kohls/XXXX XXXX card for Kohls store. THIS case is against both of them as a ) this issue never became one and b ) XXXX ruined my credit score downward my -10 points for something not my fault. 

In either XX/XX/XXXX or XX/XX/XXXX I made a purchase with a brand new, just that day, Kohls card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from Kohls and oh my gosh! I 've not paid my bill!

I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from Kohls on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS KOHLS DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Services ... Amount {$2200.00} for an authorized/unknown account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) under the following provisions : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting procedures. 

15 USC 1681s-2 : Failure to properly address disputes regarding inaccurate information. 

15 USC 1681i ( 5 ) : Failure to conduct reasonable reinvestigations of disputed information. 

15 USC 1681c ( c ) : Failure to comply with obligations regarding obsolete information. 

Background : I have sent multiple dispute letters to Experian on [ insert dates ] concerning inaccuracies on my credit report. Despite providing documentation to support my claims, Experian has failed to investigate these disputes thoroughly, remove inaccurate information, or provide any valid justification for retaining disputed items on my report. 

Impact : These inaccuracies have significantly harmed my creditworthiness, limiting my ability to obtain credit, secure housing, and pursue employment opportunities. Experians actions, or lack thereof, have caused undue stress and financial hardship. 

Relevant Case : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' This lawsuit highlights systemic issues with Experians handling of disputes, including failures to properly investigate consumer disputes and reinserting inaccurate information onto credit reports. My experiences align with the allegations in this lawsuit. 

Actions Requested : I respectfully request that the CFPB : Investigate Experians handling of my disputes. 

Require Experian to comply with the FCRA and correct the inaccuracies on my credit report. 

Take appropriate enforcement action to address Experians noncompliance. 

Attached are copies of my correspondence with Experian, documentation supporting my disputes, and any responses received ( if applicable ). 

Thank you for your attention to this matter. Please feel free to contact me at [ insert phone number ] or [ insert email address ] for additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, SPS Servicing I wanted to give an understanding to my servicer of what occurred during the transfer of my loan from XXXX to SPS. I divorced XX/XX/XXXX.XXXX changed his address to XXXX XXXX address.Per court order of the divorce degree, the house was my-my soul possession. On XX/XX/XXXX, my ex-husband XXXX XXXX XXXX quick claimed his interest of our house to me. On XX/XX/XXXX, my original loan of XXXX was to have the Deferred Principal Reduction amount.Interest Bearing Principal Balance and this amount were XXXX Interest at the rate of 8.625 %. My first monthly payment set for XX/XX/XXXX, and on the Interest Bearing Principal Balance due XX/XX/XXXX. SPS was sent my loan documents on or about XXXX XXXX XXXX was making my new payments on my loan since XXXX XXXX, XXXX. SPS was only sent the original loan for XXXX according to XXXX, My new modified loan was not sent over to SPS for another 3 months according to XXXX who stated this might of caused a lot of the confusion .Any mail that had XXXX name on it was intercepted by the mail because he had put in a change of address XX/XX/XXXX.As part of the divorce degree, we had a no contact order for 1 year and until XX/XX/XXXX we had no contact about our divorce. XX/XX/XXXX XXXX XXXX XXXX filed BK and it was put on my credit, therefore closing my loan with XXXX and SPS. With no help from XXXX or SPS to clear up the life changing mistake during the transfer of my new modified loan to SPS out of fear XX/XX/XXXX I filed BK because was was not able to obtain a copy of my modified loan until XX/XX/XXXX because my loan was considered closed from XX/XX/XXXX from no contact and my ex-husbands BK XX/XX/XXXX, This has been a life-changing event times XXXX, None of this was done by my doing, It acquired during a life-changing moment of time. I humbly ask you to take a look at my situation one more time so this can be resolved and I can go home and remodel my house from the damage of my neighbor and the cutting down of my 50-year-old tree 's and use of a backhoe and rip out my 20 years of landscape to the squatters who did damage to my walls and floors doors paint ex .My neighbor asked a bank representative who was sent up to the property if he could trim my tree 's, and he was told nothing will be done to this property for a while so he took it upon himself to destroy my trees and yard to date the is a mountain of dirt and yard in my front yard. This has been life changing for me and my family I have lived on my property since XX/XX/XXXX when I bought it from XXXX and XXXX XXXX & XXXX XXXX, my parents and grandmother.What happened after my loan was transferred was not my fault or my doing, I ask my loan be reinstated and start fresh from XX/XX/XXXX because I have spent 5 years trying to fix all of this with no help from XXXX or SPS because my loan was closed and it 's almost impossible to obtain copies of anything when your loan is closed, please help me resolve this nightmare I have had to live, much XXXX and XXXX from things being out of my control to fix until I obtained a copy of my loan that was sent to the wrong address. 
humbly XXXX XXXX XX/XX/XXXX
Product: Student loan

Somewhere around XXXX of 2018 repayment arrangements were made with " whomever '' for $ XXXX over the next XXXX months. The amount that was qualified to repay was $ XXXX but the agreement was made for $ XXXX. Payments were going fine until the XXXX shutdown ( obviously ) and were never re-started. Now, I am attempting to apply for the XXXX XXXX XXXX and my account shows " No Repayment Agreement '' though payment history is there. XXXX XXXX also seems unavailable. My account also does not allow for me to restart my payments. With all of the information/misinformation in regards to repayment of student loans resuming, I figured my repayment agreement would take into affect once that was sorted out by the powers that be. The email account on file was with the University I attended. That University dropped their " edu '' and converted to a " XXXX '' email account. If XXXX XXXX did not login, previous emails were not merged into the new email account. That email account was/is not used by me, only as a data back-up as XXXX XXXX  is not supported by carriers. Clearly I do not wish to be in default and would just like for my original repayment agreement to be honored and would like to take advantage of any XXXX XXXX initiatives that may be available. With low qualifying payments it should also be clear that the balance of my loan will exceed my lifetime. Realizing I am XXXX of many, again, I would just like for my original repayment agreement to be honored and for my loans to be cleared from default. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I am writing to formally lodge a complaint against UCB Collections for reporting an unverified debt on my credit report. Despite my repeated attempts to validate this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), UCB Collections has failed to provide any evidence that the debt belongs to me. 

This account continues to negatively impact my credit report across all three major credit bureausXXXX, XXXX, and XXXX. I have followed all the necessary steps, including sending a written request for validation to UCB Collections, yet they have not fulfilled their obligation to verify the debt. 

Under the FDCPA, UCB Collections is required to provide adequate proof of the debt, such as documentation that the debt is accurate and belongs to me. Since they have failed to do so, I request that the CFPB intervene to : Ensure that UCB Collections ceases all collection activities related to this unverified debt. 
Instruct UCB Collections to immediately request the deletion of this account from my credit report with all three credit bureaus. 
Please find attached all relevant documentation, including copies of my validation request, proof of delivery, and copies of my credit reports showing the erroneous entry. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Prior Investigation CFPB XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late Payments are still reporting on my credit report, I requested closed accounts to be removed This was not done on your end Experian Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX and shows late payment. Account name XXXX XXXX XXXX  The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. 

You are reporting late Payments experian, On my credit report which is actually illegal According to the FCRA. Your willful non compliance will be noted and exhibited. 

In your previous response you must stuck to me to contact the attorney general, which had no relevance to my complaint Why would I contact the attorney general when you experian call the ones who are reporting the information and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was visiting each credit reporting agency website ( XXXX, XXXX, Experian ) to place a security freeze in the wake of the XXXX data breach earlier this year. I  was shocked to learn that Experian has a {$10.00} fee in Connecticut ( my home state ) to place a freeze, another {$10.00} fee for every time you want to temporarily remove it when youre applying for a credit card, and a {$10.00} fee to permanently remove it ( see attached screenshot ). Since everyone is automatically opted into their system once you start using credit cards and the like, it is absolutely ridiculous that they can charge you a fee for the basic control and security of your own information. 

A quick search reveals that some states prohibit these agencies from charging these fees : XXXX XXXX XXXX From that article, it shows that as of XXXX, 38 state Attorneys General ( not including Connecticuts ) called upon the agencies to remove the fees, which clearly has not been successful. 

I urge the CFPB to do what it can to stop the credit reporting agencies from charging these fees. Consumers should not have their data collected by a company, only for that company to then charge them for security services on that data. They take my data without my asking and then charge me for its security. 

Thank you very much. I know that this simple policy will help Connecticut residents and those in other states who see these fees - people of any income level - better protect their personal data without being forced to pay a fee over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your response regarding my credit dispute. It is evident that your request for additional information is nothing more than a stall tactic in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable investigation within 30 days ( or 45 days if the dispute is based on a free annual credit report ).

Failure to Comply with FCRA Regulations Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a full and reasonable investigation, including contacting the original furnisher of the information. You can not delay my dispute by demanding unnecessary documentation that is not required by law.

FCRA 611 ( a ) ( 5 ) ( A ) states that if the disputed item can not be verified, it must be removed from my credit report. If the furnisher fails to respond within the allotted time, you must delete the item immediately. 
Your response also fails to comply with CFPB guidance, which requires credit bureaus to substantiate disputed information with verifiable evidence rather than shifting the burden onto the consumer. 
Immediate Action Required I demand immediate verification of the disputed item, including all supporting documentation from the furnisher.

If you fail to verify the accuracy of the information within the legally mandated time frame, you are required by law to delete the disputed account from my credit report.

Suppose I do not receive a satisfactory resolution within the required timeframe. In that case, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA.
Product: Checking or savings account

I was charged multiple times for late fees that were either covered within 24hrs or never shouldve been applied