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

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Product: Credit reporting or other personal consumer reports

I have contact Early Warning Services about the information being reported on my consumer file with is inaccurate/ fraudulent. I have been disputing XXXX items many times, and this agency has done nothing to resolve my problem. The items are XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX. I have filled out a FTC Fraud form, submitted it to Early Warning to have the records blocked and they have failed to do so. I have contacted every bank to gather more information, and XXXX has said to me every time I contact them there is no record in their system with my information- any of it, they said they would still have a profile in the system even if the record was purged. XXXX XXXX XXXX, and XXXX XXXX XXXX  are reporting fraudulent accounts that I did not open, in fact most of the information they are reporting is correct expect the address on the account and the driver license numbers, which means its NOT MY ACCOUNT. This is ridiculous for a credit reporting company to continue to put citizens through this and the government should shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to complete a full and investigation in regards to inaccuracies in report. Did not give permission to report
Product: Credit reporting, credit repair services, or other personal consumer reports

This company wasnt authorized to check my credit.
Product: Credit card or prepaid card

Hello, I am writing this complaint today because i am extremely upset with wellsfargo 's customer service and actions lately. I've been a valued consumer of wells fargo and a loyal customer of theirs since XXXX. In XXXX of XXXX, i had contacted wellsfargo in regards to multiple fradulent activities that were happening to my credit card account, in which they confirmed i did not have to make payments until i recieved my new credit card. my case was resolved but i still didnt recieve any card, nothing in the mail, or anything to confirm. I didnt pay XXXX, or XXXX because i was out the state. but i come back home in XXXX they closed my account, and they only reason i knew was because i checked my mobile app. i was furious. i never had a late payment EVER. i never had issues with them before so why is it did no one contact me to tell me they were cloing my account. Does 7 years not mean anything. i mean i talked to representatives ive talked to superviors. all they could tell me was " ma'am '' the accounnt is closed there is nothing we can do. i told them why didnt they notify me and why after my account was scammed would they not try to help me?. now my account is closed and on my credit reports is shows 2 late payments and my score went dramatically down after they closed it. not only am i making payments after finding out they closed but they're charging me an extra $ XXXX of interest each month for my monthly payments. companys like this should work with their clients! its ridiciolous i had to even go to XXXX to make disputes and they told me that wellsfargo does not want to assist them so they had to close my disputes. i worked too hard and put alot of money in wellsfargos pocket for them to close my accounts after their representative misinformed me and never sent me documentations to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Transunion has 1 hard inquiry I did not make XXXX XXXX   email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX  XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX & Account Number : XXXX XXXX & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to Waypoint Resource Group who reported the same XXXX/XXXX collection account for {$300.00} on my XXXX  report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX  is required to immediately remove the tradeline or face civil liability for willful noncompliance.
Product: Vehicle loan or lease

According to Florida Law chapter 624 if I can't pay for insurance ( because the premium is higher than the car payments ) the bank has to pay for it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-XXXX/XXXX/XXXX/XXXX.XXXX I called my lender, Bridgecrest, to apply forced-placed insurance to my car in exchange for higher payments. Bridgecrest refused to do that and I can't afford full cover insurance. My HOA found out my car has no plate and are pushing me to move the car or have it towed at my expense, at which point I would need a license, proof of registration ( don't have ) and proof of insurance ( none ) in order to get it back from the impound lot. 

I have been struggling with this all week and I don't want my credit ruined and my bank account gnashed because Bridgecrest refuses to pay for car insurance. 

Bankruptcy won't help neither since filing for chapter XXXX or chapter XXXX won't help since I have to sell non-exempt property or make payments. 

I don't deserve a decade of financial suffering over a car. This has gone far enough and I can't lose everything I worked so hard to gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my credit report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a victim of identity theft, and I am requesting that all of the information be removed or blocked immediately. The attached report from identitytheft.gov is included.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
Product: Mortgage

After filing a complaint with you in around XXXX Ocwen handled me with kid gloves finaly I though I was getting help. They did modify my loan but only to send an increase before the official payment was made. They claim this is do to Escrow. I understand Escrow goes up however they had all the correct information prior and while doing the modification. I feel Ocwen did this to hurry up and get of your records in a timely fashion. Please look into this process I feel I am not the only XXXX. I would like Ocwen to do a fair modification. I almost did n't write this but felt that if this is common practice it is fraudulent in the less. thank you
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EQUIFAX ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing.

The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX  - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/2024 I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau.

This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations.

Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side.

Thank you for your attention to this matter.
Product: Debt collection

Date Assigned XX/XX/2022 Account Number open Mid-Amer Accounts Co Original Amount Owed {$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

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

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX BANK XXXX {$200.00} XXXX. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX TERRACE XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a inquiry on my report I did not inquire about. All the information as far as address and DOB is incorrect. Its on my report twice. From XXXX XXXX & XXXX and neither have the correct information indicating this is nothing I inquired about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Product: Credit card or prepaid card

Hi, A duplicate/incorrect installment charge of {$1100.00} was added to my card in XXXX statement. I filed a complaint with Goldman Sachs and it was determined that the charge on my card was incorrect and will be removed. I would not be responsible for the charge CASE ID : XXXX However, in the latest XXXX statement, the entire {$1100.00} charge was added to the my transaction list as " Cash Back redemption ( REVERSAL ) '' and I am required to pay this entire amount by the due date. I reached out to the customer care and they are pretty clueless about this. In my call with the manager who informed me about the resolution of the above case, it was clearly explained that I will not be responsible for the charge ( Feel free to review the call recording ). 

I have had more than 6 calls and 4 escalations with XXXX 's support team. It is really frustrating that there is still no resolution. I do not have the patience to call and explain the issue everytime I speak to someone at XXXX 's support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Walmart back in XXXX XXXX XXXX  due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.
Product: Checking or savings account

On XX/XX/2023, I sent {$200.00} through XXXX. 

4 days later chime incorrectly charged me a duplicate of that transaction. I went through costumer service and within 24hrs they corrected their mistake and credited me back the dumpy charge of {$200.00}.

10 days later after the first incorrect duplicate charge, chime charged my card AGAIN for the same balance of {$200.00}, I spoke with the merchant ( XXXX ) and everything was fine on their end. They Instructed me to contact my bank and and let them know it was an incorrect charge. 

Instead chime allowed my card To be- {$200.00}. And when my direct deposit hit, they paid the incorrect duplicate fee with direct deposit. Now fighting back and forth with specialist through phone and email for almost a week they have yet to refund me the incorrect charge.

I have also done a 3 way call on XX/XX/2023 around XXXX with chime and the merchant ( XXXX ) where the representative for XXXX  went through my banking and CONFIRMED the duplicate charge was incorrect. 


Coming from someone who makes {$350.00} a week. And lives paycheck to paycheck, that {$200.00} was my rent money and hurt me financially and mentally. I still have yet to receive a refund as I type this. Stay clear away from chime banking its not worth it.
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 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 systemic 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, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violets federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXXXXXX XXXX financed thru XXXX XXXX XXXX XXXX Chase Bank . On XX/XX/XXXX that loan was payed off by XXXX and another car was purchased thru XXXX XXXX Chase. The old account should have ended on the XXXX and a new account should have started but, on the XXXX chase withdrawal {$470.00} as if I still owed them money. It is now XXXX th XXXX and the money is still not back in my account. Plus money is owed from coverage of the last car policy ending early that has not been payed. I live on a fixed income and need the money returned asap which I explained to several people. Why are banks allowed to hold money until they feel like refunding it and consumers are not. Any bank transaction that take place can be reversed but, they are holding my money without a reasonable explanation in my opinion. I need my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing because I am so confused on how Experian is reporting inaccurate information on my credit report. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I asking you to verify as accurate XXXX XXXX-account number XXXX XXXX XXXX-account number-XXXX  XXXX XXXX-account number- XXXX Please send me your results after your investigation. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found unauthorized hard inquiries that I do not recognize. Please take these inquiries off my report.
Product: Debt collection

This is my first time contacting you regarding this account. I have viewed my credit reports and noticed a collection account from Aldous is reporting on my reports. I sent them a request for validation on XX/XX/2022 and the tracking number is XXXX XXXX XXXX XXXX XXXX with USPS. As of today I have not received a response or any proof of the alleged debt. I am demanding this account be deleted from my credit reports asap.
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES, LLC REPORT FROM XX/XX/XXXX SHOWING INQUIRIES NOT AUTHORIZED BY ME. 

INQUIRY FROM XXXX XXXXXXXX XXXX XXXXXXXX ON XX/XX/XXXX INQUIRY FROM XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes with XXXX, XXXX, and experian about balances and incorrect reporting of student loans and also student loans that do not have contracts. Experian and XXXX has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX  investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from XXXX  and experian as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint