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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

I recently found out about the Wells Fargo lawsuit. Last year I was contacted by a collection agency XX/XX/XXXX saying I had a credit card through Wells Fargo, which I do n't ever recall opening, thinking my ex may have opened it, and being that I am trying to get my credit situation in order I paid off the debt. The debt collector was XXXX in XXXX, IL. They said the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I tried contacting Wells Fargo but they kept giving me the run around and telling me they did n't have that information I would have to contact the Debt collector. After I heard of the lawsuit and read the court file I needed to contact someone and try to see if this was one of those accounts and if I would qualify for some sort of reimbursement.
Product: Credit reporting or other personal consumer reports

Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.
Product: Credit card or prepaid card

We are a public radio station and we do the usual things for fundraising -- direct mail, pledge drives and on line web form. 

Our call letters are XXXX ( XXXX, CA XXXX FM ) If anyone with a CapitalOne Credit Card makes a pledge it goes through, and we get the money deposited in our account. Then Capital One sends our customers ( donors ) a statement and instead of listing XXXX on the statement it shows " XXXX-Other Services '' and has the XXXX XXXX  XXXX XXXX logo with a picture of XXXX XXXX. 

Customer freaks out " I didn't buy {$100.00} of chicken -- someone must of stolen or hacked my card!! '' and files a fraud report. Then XXXX/XXXX  deducts the money they donated PLUS  a {$35.00} " Charge Back FEE '' from our account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER 45days later Still NO REPONSE! The FCRA states that disputes must be resolved within 30 days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # 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
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name and address are incorrectly reporting. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX GA XXXX. There should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED WITH LENDING CLUB ABOUT 6 MONTHS AGO AND THEY DELETED THIS FRAUDULENT FOR ME. HOWEVER, NOW IT IS REAPPEARING ON MY CREDIT. THIS ACCOUNT IS FRAUD. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THIS ACCOUNT FOR ME. PLEASE DELETE. I HAVE NEVER SIGNED AND AGREED FOR A LOAN UNDER THIS COMPANY AND THE TERMS IN WHICH THEY REPORT TO MY CREDIT.
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/XXXX, at Equifax contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXXXXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF EDXXXX is reporting information that does not coincide with the original contract. Account # XXXX is a duplicate account.
Product: Credit card or prepaid card

Approximately twice a month, Capital One mails credit card solicitations to my father at my mailing address. My father XXXX XXXX four years ago ( in XXXX  ) and never used the mailing address that Capital One is sending its junk mail to. 

After my father XXXX XXXX, I sent copies, via certified mail, of his XXXX XXXX to the three credit reporting agencies.
Product: Mortgage

To Who m it may concern, We applied a loan modification with Ditech last year and we 've been paying on time from  XX/XX/XXXX  -    XX/XX/XXXX ( 3 month s trial ) then we got approved and started paying the regular mortgage  from  XX/XX/XXXX  - current. Since then DITEC H ( Lender/Mortgage ) is not rep orting our payments and not updating our accounts to current. We 've been calling them and asking many many times to get it fix because they 're also reporting us to credit bu reau that we 're behind 5 months payments. The only answer that they can give us is we have to wait 2 weeks and they  will call us. It 's been 6 months now and they have never been updated our account and they are still negatively reporting to our credit. I found out that many others having the same exact issues like mine with DITECH. There are past and current class act lawsuits against them and I want to participate. Please help us, all we want is to bring our account current and stop them reporting negative to our credit bureaus. Please you can call me at  XXXX  and my name is  XXXX   XXXX  DITECH Account number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a collection account was removed from my credit report. However, the same company did an reinsert on my credit report and I was not notified within 5 business days of such action by Equifax. I was not provided any documentation with my signature proving this debt. I've been very patient, but they are not following consumer reporting agency laws. This is an unfair practices and it's keeping me from buying a house for my family.
Product: Credit card or prepaid card

I was issued a cashback visa signature card from Alliant Credit Union. The card earns 3 % cash back on purchases during the first year. I used the card for some time and accumulated several thousand dollars in cashback rewards. My account was paid off in full every month. Recently, Alliant closed my account and seized my unredeemed cash back rewards that had accumulated. Alliant customer service claims they sent me a letter explaining that the account would be closed, but I did not receive it, and the customer service representative that I spoke to could not produce a copy of this letter for me. I did not have any opportunity to redeem my accumulated cash back rewards before the account was closed, and customer service tells me that these accumulated rewards are now forfeit.
Product: Mortgage

I submitted a claim against Wells Fargo Mortgage Company back in XXXX, 2015. My complaint number is # XXXX. 
The essential claim was that Wells Fargo Mortgage Company intentionally manipulated the appraisal for a house my wife and I were buying in order to charge us PMI. 
The Wells Fargo controlled appraisal came it at {$210000.00}. This figure was woefully under priced for the house we were purchasing. Eventually, we went to another bank and applied for a mortgage with them. Their ordered appraisal came in at {$240000.00}, which was very representative of the new house we were purchasing. We incurred a significant monetary loss by needing to reapply to a second bank at the last moment in order to save our deal. 
I submitted the details for Wells Fargo 's manipulation in Claim # XXXX. 
My wife and I wish to resubmit this original claim, in light of Wells Fargo 's proven corruption and illegal banking practices. 

Thank you for reconsideration of Claim # XXXX. 

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

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. 

However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. 

What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 

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

I am a victim of identity theft and I have filed a report and I would like to have these fraudulent accounts removed from my credit report asap. These are fraud and have prevent me from buying a home. I have included my ID and passport with my address along with the identity theft report XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX BANK XXXX opened XX/XX/XXXX Balance {$4900.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX CARD Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$41000.00} XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX BANK Date opened XX/XX/XXXX Balance {$44000.00} XXXX BANK Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$250000.00} XXXX Date opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$51000.00} XXXX Date XXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : XXXX XXXX  ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX Make sure to fill in the brackets with your information and any specific details related to your dispute. If you have any documentation, its a good idea to reference that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Dept of Education has used illegal/unlawful re-aging tactics, to have closed debts remain on my credit report passed the federally allotted time. The DOFD ( date of first delinquency ) or the date that this account became 30 day late and no other payment was made was six months and 30 days, after recieving my degree, which would make the DOFD of the account XX/XX/XXXX. This means that this account should have been removed XX/XX/XXXX. It has not been removed because the XXXX XXXX XXXX XXXX has re-aged the account to reflect a DOFD of XXXX. This is not only agregious but illegal and I want this account removed Immediately.
Product: Credit card or prepaid card

My American Express Bluebird card has not worked for more than 5 days now and when I call Amex and tell them, they act like there is nothing wrong! Their website has not been working for the same amount of time, no one can use their card for anything and hundreds of people are complaining about the same problems but Amex continues to tell all of us that nothing is wrong when it is VERY obvious that they are having some kind of a system failure right now and Amex just does not want to own up to it!