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

On XX/XX/year>, I looked at my Experian credit report and noticed incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), 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. I contacted Experian on both XX/XX/XXXX and XXXX, 2024, and spoke with two separate representatives to make a dispute regarding XXXX hard inquiries on my report that were not permitted and unauthorized. I asked them to investigate these unauthorized and inaccurate inquires, and remove the inquiries from my credit report. Experian is refusing to submit my dispute and they keep saying I sound like a credit repair company or ask for more information. The XXXX hard inquiries the following : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter on XX/XX/year> asking them to investigate the completeness and accuracy of the accounts listed but they still refused, using the reasons as stated above from my phone call with them on XXXX separate occasions. Can you please look into this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XX/XX/2012, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.
Product: Bank account or service

I had opened a CD XXXX account with XXXX bank here in XXXX ct, They have recently been taken over by M & T bank. I transferred my matured CD to another bank and was charged {$75.00} by M & T for the transfer. That was not in my agreement with the original bank XXXX. What gives them the right to charge me a fee that I did not agree to? Also what control did I have if they decided to charge me {$500.00}
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the following accounts be verified or removed immediately. 

XXXX - XXXX - This is also completely inaccurate. - Under 15 USC 1692g. Validation of debts-Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

XXXX XXXX - XXXX - This account is being reported inaccurately and seems to violate my rights under. 3-Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 deleted. - Please Delete Immediately XXXX  - XXXX - There are several reporting inaccuracies which is a BLATANT violation of my rights under Round XXXXUnder 15 U.S.C. 1681i Paragraph ( 5 ) - Under 15 USC 1692g. Validation of debts-Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report XXXX XXXX XXXX - XXXX - There are several reporting inaccuracies which is a BLATANT violation of my rights under Round 3-Under 15 U.S.C. 1681i Paragraph ( 5 ) - Delete the inaccurately reported account immediately refer to Round 3-Under 15 U.S.C. 1681i Paragraph ( 5 ) 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
Product: Credit reporting or other personal consumer reports

I need help with some negative items on my report. I've already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed.
Product: Student loan

There is a company which was able to collect a student loan debt which is over 13 years. They were able to solicit to the Department of Education to take my income tax refund. The debt is too old according to law to collect. It is over 10 years old. The name is Collection Technology at XXXX, CA XXXX. The U.S. Department of Education, The National Student Database and the debt is too old to collect by taking a person 's income tax refund. I contact the Department Education and was inform my refund will not be returned. I no other option than to sue the Department of Education if this matter is not resolved.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies that requires an immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation .The company this letter is addressing is XXXX XXXX XXXX the account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax several times an inaccuracy on an account that appears on my credit report. This inaccuracy is a late payment that appears in XX/XX/2019 on my XXXX XXXX. I have submitted proof in the form of a chat log with XXXX customer service where they acknowledged that the account was never late. I have talked with customer service at Equifax about this dispute and they have acknowledged that I did previously dispute this item and they saw my attached proof that the account was never late but still refused to remove it and said the dispute was an automated process where they send over a 2 digit code to the creditor which doesn't even contain my proof.
Product: Checking or savings account

XXXX gave me a License to Unlock my funds and yet WELLS FARGO doesn't want to give me my money. 
This Bank is violating a government order which i immediately authorize to deliver my money. 
My license number is : XXXX XXXX.
Product: Mortgage

We are in the process of trying to purchase a short sale and Wells Fargo is our lender for our FHA XXXX renovation loan. It seems they are doing everything they possibly can so we do not get this home. Our account manager has left the country multiple times without handing our account to someone else and ignored many emails, calls and even text messages. Our account manager does not respond to emails until XXXX in most cases so that an entire day is lost, when he decides to respond. They have ridiculous requests and Wells Fargo was aware we needed a mold inspection on XXXX XXXX but did not relay this information to us until XXXX XXXX. Wells Fargo was under the impression that we were to close on XXXX XXXX ( per the extension that was granted ) and we were told from Wells Fargo that and extension to the XXXX would give us plenty of time to close in time. Now, Wells Fargo is telling us that we may close on XXXX XXXX but they wo n't know until after our current close date, so we can not give the short sale lender ( XXXX Bank ) an appropriate date that we need an extension until. There have been many instances of incompetence on Wells Fargo 's part and they seem to be working against me to get this loan instead of working with me. Wells Fargo terminated my closing attorney and replaced him with a Wells Fargo closing attorney without notifying me although that was an item I could " shop for ''. They also told me I could not order a " rush appraisal ''. When my appraisal was scheduled for XXXX XXXX Wells Fargo apparently put my appraisal on hold for no apparent reason according to the appraisal company. I had already paid for the appraisal and had offered to pay for a rush. We did not find out that the appraisal never happened until XXXX because my account manager was out of the country and not responding to my emails or calls. Wells Fargo ordered a rush appraisal ( which they then charged me for although they told me we could not do a rush appraisal ), which the listing agent was able to convince the appraiser to come out on XXXX. Wells Fargo received the appraisal report around XXXX. We were able to get an extension to XXXX which surpassed the date Wells Fargo said we could close on XXXX. Now, Wells Fargo is saying we should be able to close on XXXX but I have no confidence that they will be able to close by this date. Their incompetence paired with their list of unrealistic demands in such a short amount of time is unfathomable. If they gave us all of the information needed up front then we would be able to close on time. Now, we are being held up because they decided last minute that we need to paint the house and that we need an inspection for the mold. If they gave us this information up front then we would have had sufficient time to close this loan. 

This has caused me unnecessary stress and our entire savings is on the line and Wells Fargo is acting extremely unprofessional. This has been escalated to higher management and they still can not communicate in an effective and professional manner.
Product: Debt collection

This is an old cell phone account from 2015. The account is old and when I switched over my phone service from XXXX to XXXX, I was told that my old phone would be paid for from XXXX which actually did happen. Therefore I don't owe anything from that XXXX account on a second note the account is older than seven years, so it should not be on. credit report
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

Hello, I reached out to experian in 2018 in regards to a late payment in XXXX reported in my account on my XXXX XXXX XXXX. I never received any information in regards to the removal. Additionally, my balances are not accurate or up to date. XXXX closed accounts are still showing on my account that were asked to be removed as well as a personal loan with XXXX  that never occurred. 
There was also an inquiry of XXXX XXXX XXXX that doesnt match my records because I did not re-apply for anything. The bank simply increased my credit limit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Product: Debt collection

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of this account and request that it be investigated and corrected or removed. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate information. If this debt is found to be invalid or unverified, I request its removal from my credit report. Furthermore, I am requesting validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Please provide all necessary documentation to prove that this debt is valid and that I am responsible for it. If you can not provide such documentation, I request that you remove this collection account from my credit report. Please notify me of the outcome of your investigation at your earliest convenience. Thank you for your prompt attention to this matter. The company title is " XXXX XXXX XXXX ''. The balance on my credit report is {$750.00}. The account numbers are ( XXXX ). This collection was opened on XX/XX/XXXX. As of XX/XX/XXXX is when I noticed the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 of this year I recently got an email from Experian saying they took my credit score away permanently without any explanation of why I called the company Several times but kept getting a record ed message no one would answer the phone telling me to go online to get in touch with them which I did several no response back from them about all of a sudden change now I have no credit score upon my research they are trying force to by products and services to pay them a upgrade fee for my credit score which I can't afford right now this practice is for illegal and needs to be looked into because I have free account with them now they want to pay for something I don't want or need right now and can't afford people are struggling I trusted them but not anymore I tried to close my account as well can you please investigate and find out why there doing this please thanks XXXX XXXX!
Product: Credit reporting

I contacted Experian in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Experian. I sent another letter to Experian making them aware of this & they still continue to report false unverified information on my credit report.
Product: Debt collection

I sent a letter to POSSIBLEFINA about a XXXX dollar debt that was charged off as bad debt. if a debt is charged off that means it was written off on their taxes so by federal law the debt can not be collect/reported. the letter I sent via certified mail was returned to sender. If the company is reporting a false address so no one can't contact them then that is also a violation of the law. the address needs to be updated because my letter to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WAS RETURNED TO SENDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I visited XXXX of XXXX to purchase a vehicle. I paid for the vehicle in cash. When I got home, I received an alert from my bank that someone had pulled my credit. I checked an found out that it was XXXX of XXXX. I did not give them the authorization to do so and have spoken to several people in the dealership with to no avail in having them to contact XXXX to remove the hard credit pull from my credit. It has affected my credit score much. I was never given a copy of the credit report that they pulled or any document showing that I gave them permission. The company that they used to pull my credit is called 700Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened a Barclays credit card under my name. I did not open any new accounts or have my credit checked. I contacted Barclays and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry Dear CFPB, I am writing to formally dispute an unauthorized credit inquiry appearing on my credit report and I did not authorize or initiate this request.

This is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which requires creditors to obtain written or direct permission before accessing my credit report. I kindly request your assistance in investigating this matter and ensuring the removal of this unauthorized inquiry from my credit report.

I have included the following documentation to support my claim : A copy of my credit report highlighting the disputed inquiry.

Any relevant correspondence ( if applicable ).

Thank you for your attention to this matter. Please feel free to contact me for further information or clarification. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom it may concern : I recently received a copy of my ( Experian XXXX and XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law under 15 USC 1681b- permissible purpose of consumer reports, the law clearly states : ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer, to whom it relates. 

did I give written instructions to furnish this account on my credit report? 

furthermore, THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions for experiences between the consumer and the person making the report Delete the above late payment from my consumer report, this is in violation of 15 USC 1681.
Product: Credit card

I have repeatedly asked Barclay Card to send me paper statements for my PriceLine Visa credit card. They have repeatedly claimed that I have " enrolled in e-Bill, which is an online bill presentment service powered by XXXX elsewhere. '' I have repeatedly replied to them that I am unaware of any such online settings, that I do not care about this third party, and I want paper statements mailed to me. Barclay Card has not sent me paper statements. 

I have requested paper statements in messages to BarclayCard on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged them again demanding paper statements and to whom I could make a formal complaint about their lack of response. They mailed me a generic-looking letter asking that I call them to discuss my comments. 

I simply want paper statements mailed to me in a timely manner. I don't care about any third party that may or may not be providing electronic bills. I want paper statements no matter what.
Product: Credit reporting or other personal consumer reports

I was told that I would not receive a hard inquiry because I already had an open account. I called the creditor she said she would email her corporate office to fix the situation. The company name is XXXX XXXX on XXXX and on XX/XX/XXXX This also happened with One main on XX/XX/XXXX Im not sure if this is a common practice for their employees to lie to the consumer to get applications?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.
Product: Debt collection

I first contacted XXXX on XXXX/XXXX/XXXX regarding a letter I received from them stating I had an account that was past due in the amount of {$1500.00}. I formally put them on notice I was disputing this claim and requested validation of debt. The first letter I sent was sent certified XXXX XXXX XXXX XXXX XXXX XXXX ) with signature required. The letter was delivered and signed for on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, 30 days after XXXX signed for my letter, I obtained a new copy of my credit report and noticed they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such, they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. I received no reply from XXXX to my first letter and to date, my most recent credit report dated, XXXX/XXXX/XXXX still shows that XXXX has not marked this trade line as disputed with the credit reporting agencies, a clear violation as mentioned above. 

I followed up with a second letter dated XXXX/XXXX/XXXX after receiving a letter stating that I had an account that was past due in the amount of {$10000.00}, almost one year after my first letter was sent to XXXX  requesting debt validation. My second letter was also sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX/XXXX/XXXX. I once again requested debt validation in my letter and noted that my credit report has been negatively affected because of this reporting and they have continued to fail to provide competent evidence validating this debt with my signature. 

On XXXX/XXXX/XXXX, I received a letter from XXXX stating they were including a signed contractual agreement and payment history report. The " contractual agreement '' I received did not have my signature on it, only my name typed in the signature line, dated XXXX/XXXX/XXXX. 

Finally, I sent a certified letter to XXXX XXXX XXXX on XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX ), putting them on notice that the address furnished by XXXX on my credit report was inaccurate data as they provided a false address to reach them. It was only after my own research I was able to track down their correct address to begin mailing correspondences. XXXX to date has not acknowledged my complaint of this violation however, XXXX has updated their address with the correct one on subsequent credit reports. 

I continue to request and ask that since this debt can not be validated, this trade line be removed from my credit report and this creditor and the credit reporting agencies be held accountable to their clear violation of both the FCRA and FDCPA. 

Should you require any further information, please do not hesitate to contact me