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

Delete the following account XXXX XXXX delete this immediately. Experian failed to conduct a thorough investigation which takes longer than 30 days. Experian failed to report the account to be disputed. Provide the documentation showing my signed signature, including the contract/ statement showing the date this account was open. Or delete this account immediately. 

Delete this account immediately XXXX  XXXX delete this account Experian has reported the following violations reported 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. Dear Experian : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Experian also has neglected to correct my profile which clearly shows to be a mixed profile which Experian refuses to fix. -This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. Note : As of XX/XX/2023 Attorney General, XXXX, and CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account This account XXXX Procollect is not correct, experian failed and neglected to report accurate information here are more violations on this report for this account 1. What is the amount past due? The report is showing there is not balance owed so why is experian reporting this a collections account? 

2. Why is Experian reporting collections every month but is reporting this to have only 1 ( one ) term? 

Delete XXXX XXXX
Product: Credit card or prepaid card

I loaded {$45.00} onto the card at a XXXX XXXX on XX/XX/2023. At first, I was able to spend money on online items, which the transactions went through. However, now, every transaction on XXXX and XXXX XXXX  is being denied. As of today, XX/XX/2023, I still have {$15.00} on the card and have been unable to spend it. I tried to contact customer service but never got an answer. The website on a laptop or PC will not work at all, and will only work from your phone. The company involved is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit bureau failed to provide me with a proper investigation as well as provide me with physical proof ( documentation ) that the account I disputed was my account. I did not receive documentation supporting this reporting within 30 days. Under Sectio n 611 ( 5 ) ( A ) of the FCRA- t hey are required to " ... promptly delete all information that can not be verified '' that I have disputed.     Please resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car Financial was paid in full this year in the month of XX/XX/2019. I also have a XXXX  credit card, XXXX account, XXXX account, small commercial loan those current up-to-date. And none of these are being reported on my credit. In fact two days ago I watched my score take a 56-point plummet. In the last year or so I've watched my credit score go lower and lower when in fact I have been trying to increase my score, I don't feel that I am being judged fairly this needs to stop. Please help me. And I would like to thank you in advance.
Product: Mortgage

This past XX/XX/2018 I refinance my home with Loan Depot with a VA guaranty loan. Loan Depot didn't wire the full amount of the payoff to the original mortgage holder. The wired {$130000.00} instead of the amount stated in the payoff statement from XXXX XXXX XXXX of {$130000.00}. Account Number XXXX XXXX XXXX XXXX are calling me to pay the {$610.00} because they added a late fee of {$56.00} they claim the payment is short and Loan Depot is saying that they already made the payment and that is on me to contact XXXX XXXX XXXX to credit my account. I have been talking to both entities since XX/XX/XXXX and neither one is willing to fix the issue. 

Now I have two outstanding mortgages {$130000.00} XXXX XXXX XXXX which is showing two months late since they haven't credited the account and the new loan for {$190000.00} to Loan Depot.
Product: Checking or savings account

THIS IS MY FRAUD CASE AGAINST WELLS FARGO BANK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hi. Hey. My bank, Wells Fargo, has defrauded me of money and aided and abetted a bad online retailer named XXXX. I ordered an XXXX XXXX XXXX XXXX XXXX ( model XXXX car ) from XXXX online, but they never sent me an invoice showing I purchased the item from them to my email address : XXXX. So I filed a claim with Wells Fargo as this isn't normal for an online retailer to do so. And so you know, this retailer, a guy, at, " XXXX, '' gave me a ration of XXXX when I also told him to cancel my order. And for the record, and I will testify to this in front of a court, that I never received the item. But anyways, I thought my bank was going to stand behind me on this, but they wrongly stole the money from my account with them, and gave the bad guy/company a credit through a credit reversal. And tonight, on a recorded line with Wells Fargo, their female claims agent, XXXX, didn't want to assist me with this along with a male customer service agent named XXXX. And both sounded XXXX. And if you listen to the recorded conversation with them, they were obviously obstructing justice and aiding and abetting the bad retailer above. And just so you know, and for the record, I am a real life surviving XXXX of 10 years. And I have reported this to local law enforcement, the FBI, and some other law enforcement agencies in Oregon and California. And I am trying to get someone in the media to do my story about it. But anyways, I am also retired on SSI and EBT cash food stamps through the State of Oregon 's XXXX & XXXX Services. So anyways, I want justice to get my money back that has been wrongfully stolen from me from my bank who won't cooperate. And you really need to hear the recorded conversations of these two evil bank representatives as well sd a judge. And I would sure love to have a proper D.A. file criminal charges on these two bad guys/XXXX. Really. So I need your help. I can't believe my bank 's rep 's on this one. Not at all. And a Judge, and even a jury wouldn't XXXX it either as well as yourselves. So help me out, and give a call. And it is my cell phone. Additionally, please leave me a voicemail if I don't answer for some reason, and I will definitely get back to you. Really! I want not only my money back, but justice in this horrid situation in which I am going to fire my bank as soon as you advise me, or the D.A. in this case, to do so. And thanks in advance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the unauthorized inquires off my report inspite of my identity theft report filed with the FTC. Reference Number XXXX The following are not mine and need to be removed according to the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee due to lagged posting of chargings and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Debt collection

They failed to validate a debt that is not mine and and tried to get me to sign their contracts. I have never done business with these companies. They taunted me by mail and over the phone by robotic response system. Failed to CEASE AND DESIST
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent notice to XXXX XXXX XXXX that I am disputing a negative, inaccurate, unvalidated tradeline they are reporting under my social security number to Equifax. Unfortunately, XXXX XXXX XXXX did not respond to my dispute OR mark the tradeline they are reporting to Equifax as disputed within 30 days of receiving my formal dispute which is a violation of the FCRA. 

I sent a follow-up dispute on XX/XX/2022 notifiying XXXX XXXX XXXX XXXX their violation of federal law by not responding to my formal dispute in a timely manner. As of today, XX/XX/2022 they have yet to formally respond to me, apparently they think they can ignore my claims against them with the assumption that I'll just go away. I am here to tell them that I will not go away! I am demanding they delete the tradeline they are reporting as over 120 day past due, with a balance of {$1500.00}. 

The Fair Credit Reporting Act states that I have a right to dispute inaccurate information that a furnisher reports under my social security number, and the furnisher is required by law to respond to the dispute, notifiy the credit bureau they are reporting to, AND prove that they are reporting facutal information. XXXX XXXX XXXX has violated the law by failing to do all of what the federal law spells out regarding handling my dispute. 

In addition to that, I have disputed this tradeline directly with Equifax and they claim to have verified the account which I highly doubt considering how unresponsive the furnisher is to me. 

If they continue down this path, and fail to delete the negative tradeline they are reporting as over 120 days past due with an unpaid balance of {$1500.00}, I will be seeking {$1000.00} per violation and they will be required to appear at a venue local to me to defend themselves.
Product: Credit reporting or other personal consumer reports

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, XXXX, Experian these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstpoint Collection Resources Inc. ( Firstpoint ) is in violation of the FDCPA. XX/XX/2021 an FDCPA demand letter was sent to Firstpoint and received, as evidenced by my credit report status for this account being updated to " Consumer Disputes This Account Information. '' Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. Firstpoint ignored the letter and failed to respond within 30 days. As a result, legally Firstpoint must cease collection efforts, remove negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However, Firstpoint has reported to XXXX, as recent as XX/XX/2021, their information is accurate. Again, please be advised I did not request a " verification of debt '', but a validation.
Product: Checking or savings account

I just received an email from Chime welcoming me and letting me know that my debit card should be arriving soon in the mail. I have tried to contact them but I have not received any response. At this point I am waiting for the card to arrive so I can call with that information and make use they close it. Less than a month ago this happened to my husband and whole researching online it seems thus is happening quite often with chime. They really should analyze their account opening process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in late may I placed a freeze on my credit file with all three major major credit reporting Agencies due to a fraudulent filing for Unemployment benefits. I am attempting to refinance my home Mortgage so I wanted to unfreeze my credit files. I have been unable to get my file unfrozen from Experian. There appears no way possible to actually talk to a human being. I have sent them two letters per their instructions with the required information to verify my identity and I still have not heard from them. I am desperate to get my report unfrozen but do not know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Bankruptcy XXXX XXXXdischarged Reference # : XXXX ; XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, Equifax or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

My credit was ran at the locations listed below unbeknownst to me numerous of times ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX