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

Experian has failed to fulfill it's legal obligation under the Fair credit report act ( FCRA ) to 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 systematic issues such as failing to forward consumer-provided evidence to furnish, 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 items the evidence I provided, causing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I  XXXX   XXXX  am entitled to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a   XXXX   XXXX   work related accident. My  Union  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for over  18-months, s everal medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit  of a 180-day wr itten notice that after  the 180-day  notice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB   XXXX - XXXX -  XXXX   XXXX   agree ment of  2015 . All  medical collections m ust be removed immediately by all medical debt  collectors , and I must be send a  180-day notice, so my insurance can work on resolving all claims. REMOVE ALL MEDICAL COLLECTIONS A S MANDATED!!!
Product: Credit card or prepaid card

XXXX incorrectly and inconveniently placed a security freeze on my Vanilla Visa Gift Card after I had just purchased from XXXXXXXX XXXX XXXX, this really irritates me and inconveniences me having to wait 7 days all because your card service representative states it was because I visited an incorrect site, or called a wrong phone which isn't true her comments make me no longer trust Vanilla Visa Gift Card, and I will no longer be purchasing gift cards for Vanilla Visa, XXXX or etc. Vanilla Visa is known for placing security holds on cards on customers cards and for users experiencing frustration and holds because of " unknown system error has occured '' its not right ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a multi state class action lawsuit to which I am included in a settlement agreement litigation XXXX XXXX has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted
Product: Debt collection

dynamic recovery solution 's calls me every couple of months asking for XXXX XXXX XXXX XXXX. last 2 calls XX/XX/2019 at XXXX XXXX  and XX/XX/2019 at XXXX XXXX. this is after asking them to stop calling me, I have no debt, why are they calling me? I contacted dynamic recovery solutions, they said they would remove my name. right away I get another call. and they continue to harass me, why is this company getting away with harassing people? 
and why are they calling people with no debt and harassing them? 
they call with no caller id and no phone number, they leave a message saying that by listing to this message I'm confirming that I am XXXX XXXX XXXX XXXX. 
I have recorded phone calls & messages saved from dynamic recovery solutions that documents there harassing calls and texts. something really needs to be done here. 
thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Checking or savings account

I called the bank to open a merchant dispute and is impossible to speak with someone without SSN, the automated system gets crazy without that number. 

I made a purchase at XXXX XXXX on XX/XX/XXXX for an ammount of {$90000.00}. The purchase was in person at the store but the merchant didnt have the Laptop XXXX on stock at that place, so they will send it to my house and I should received no later than XX/XX/XXXX. 
The merchant never provided a tracking information, delivery confirmation or any shipment information to know the status. the merchandize never arrived to my house, I tried to contact them many times by the website without getting any answer from them. I cant go to the store in persone because I moved to another city.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXX {$200.00} I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$170.00} 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 permission
Product: Debt collection

An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX  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 XXXX  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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My credit cards with Bank of America have repeatedly been cancelled because BoA " was recently notified that information from some credit cards may have been compromised at an undisclosed merchant or service provider. '' BoA has refused my requests to identify the merchant or provider so I can stop doing business with those who do not adequately guard credit card information. BoA reissues me a new card with a new number and indicates I 'm not liable for any fraudulent use of the canceled card. Nevertheless, it 's a nuisance and has happened XXXX in just the last five months. As a consumer, I 'm being denied information that would allow me to choose not to do business with merchants and providers who fail to take adequate measures to protect my information.
Product: Credit card or prepaid card

XXXX Cash advances were taken off of my navy federal credit card and sent via XXXX in the app to someone I do not know. 
This occurred in 2021. I have filed fraud and that claim was denied, I appealed twice and it was also denied stating they could not prove it wasnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

XX/XX/2024 money was taken from my account. When I realized it I contacted them and they basically told me I was XXXX and there was nothing they were willing to do and still to this day will not resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX  Experian XXXX Attorney XXXX XXXX. 
XXXX : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data XXXX verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX XXXX XXXX XXXX} XXXX XXXX XXXX ACCT : XXXX XXXX : XXXX} XXXX ACCT : XXXX XXXX : XXXX  XXXX  ACCT : XXXX XXXX : {$1100.00} XXXX  ACCT : XXXX XXXX : {$670.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX  and Experian, However, XXXX XXXX which is the XXXX that previously leaked millions on Consumers information and was the sole target of XXXX of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Student loan

I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries. Delete fraudulent unauthorized inquiries and also delete the fraud alert Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION
Product: Mortgage

Our compliant is that Wells Fargo forced us into a loan modification and then denied our application AND our appeal to the denial of the modification. 

XXXX XXXX, Executive Resolution Specialist began the audit process against our home mortgage account, during this time he instructed us not to make a mortgage payment during his process. At that time, XXXX stated that our mortgage was 5 months in the arrears, when we were not ; when we were in conference XXXX XXXX XXXX XXXX - yes we admitted that we were 2 full months delinquent yet we continue to refute that we were never 5 months delinquent since the modification in XXXX XXXX. NOW after listening to XXXX we ARE 5 months delinquent AND we were just DENIED a modification and DENIED a modification through APPEAL. 

Our family home means everything to us and we are willing to do everything humanly possible to live here for the next 30yrs. Wells Fargo representatives has caused us into this spiral of hopelessness due to their inefficient handling of our mortgage file and cash payments. 

By the time XXXX finished his audit Wells Fargo should 've have allowed us to make payments toward our loan once XXXX returned his decision. 
We know that the following payments had been made until XXXX instructed us NOT to make a payment and FORCED us into applying for a MODIFICATION after notification from Wells Fargo came in stating that we were being FORECLOSED - we even received mailings from a Wells Fargo appointed Law Office : XXXX/XXXX/XXXX {$1400.00}, ORIGINAL MODIFICATION BEGAN XXXX no payment due - No payment was due this month XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$2900.00} ; XXXX/XXXX/XXXX {$2800.00} Total payments we made to Wells Fargo by XXXX/XXXX/XXXX were {$29000.00} ; which is almost 2 months shy of a full yearly payment of {$33000.00}. 
On XXXX XXXX, we were 2 months delinquent in payment. In addition, Wells Fargo shut down our ability to make any further payments to the bank in XXXX ALSO Wells Fargo Executive Resolution Specialist, Customer Care and XXXX XXXX, XXXX XXXX instructed us NOT to make any more payments until he finished the audit and instructed us to SIMULTANEOUSLY fill out a request for a loan modification ; even though our actual arrears were totaled at {$4000.00}. 

Lastly, we are NOT interested in a deed-in-lieu, short sale or the foreclosure sale of home, collectively without any doubt want to live in our family home for the next 30 years or more.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding these accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

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

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX   Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent Experian Report number XXXX XXXX  File Number : XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, Either credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX.