23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, XXXX, Experian erroneously charged my credit twice for {$14.00} - I called them and told them I never sought this monthly credit reporting fee. They agreed and credited my credit card for both of the charges- they were also not to charge my credit card again for this monthly fee of {$14.00}. On XX/XX/XXXX, I was checking my credit card ( XXXX XXXX XXXX XXXX and noticed that in XXXX, XXXX Experian again began to charge my credit card for the monthly fee of {$14.00} which again I never authorized. 

I canceled the card on XXXX XX/XX/XXXX. I then called Experian and explained to their rep what was happening on my credit card and the number of unauthorized charges on my credit card for {$14.00} each from XXXX, XXXX to XXXX, XXXX - that is XXXX mths of charges for {$14.00} each - this is a total of {$140.00} on my credit card. The rep apologized but said she can not issue me a credit for the charges, that they had a limit as to the number of credits they could issue. So from Experians point of view, I am stuck with the charges. Why they began to recharge me the {$14.00} in XXXX, after they agreed to issue a credit for the two charges in XXXX, XXXX is beyond me. Obviously, they issued me a credit in XXXX, XXXX but did not make changes in their system to stop billing me for the monthly {$14.00} charge. Unfortunately, I have heard that others have experienced this same problem from Experian so that this is a problem endemic to Experian. I seek redress of my grievance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Also by XXXX XXXX on XX/XX/XXXX. I do not recognize these inquiries and it should have been removed from my Equifax consumer report. I contacted the inquirers but they have failed to remove the inquiry from my consumer file yet. I also contacted Equifax regarding these inquiries and they have not removed them yet as well.
Product: Credit reporting

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Product: Checking or savings account

This is great after complaining about there credit card billing they retaliated against did search on my accounts then said some were wrong they said I was getting free stuff earlier they moved my savings to checking said I had to then started charging me {$12.00} a month on wifes account I just killed the account could not afford the {$12.00} per month and all there stupid rules this was strictly vengeance for me questioning there billing practice on charge cards its amazing how they treat customers with fees when there borrowing my tax dollars at next to nothing charges
Product: Debt collection

Jefferson Capital System , Inc. purchased the debt and failed to provide notification and the original signature for the said debt. A verification of the debt along with licensing to collect the debt in the State of Florida was requested. Jefferson Capital System , Inc. failed to verify the account.

Jefferson Capital System , Inc. is also not authorized, and or licensed to collect any debt, in the State of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I write to dispute data by XXXX XXXX  XXXX XXXX credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and XXXX XXXX  XXXX failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if XXXX XXXX. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I TOLD XXXX TO REMOVE THIS LATE PAYMENT, XXXX XXXX ... XXXX  DAYS LATE..HOWEVER THEY SAID EVERYTHING WAS CORRECT..XXXX VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S. CODE 1666 ( b ) BILLING ERROR recently I checked my credit report and noticed a billing error under 15 u.s. code 1666 ( b ) billing error.AS I KNOW THE LAW STATES THAT THE BANK DID NOT NOTIFY ME XXXX  DAYS BEFORE WITH A STATEMENT OR A MAILED LETTER, SO THERE SHOULD BE NO LATE PAYMENTS ON THIS ACCOUNTS..I DEMAND TO SEE HARD SOLID PROOF FROM THE CREDITOR THAT THEY MAILED ME A LETTER BEFORE THE DUE DATE AND PROOF THAT THEY SENT IT.THIS CREDITOR WAS SUPPOSE TO MAIL OBLIGOR A LETTER BEFORE THEY PUT A LATE PAYMENT ON THIS ACCOUNT..VIOLATION.15 U.S. CODE 1666b IS A LAW THAT GOVERNS THE TIMING OF PAYMENTS FOR XXXX ACCOUNTS, LINE OF CREDIT AND CREDIT CARDS ACCOUNT. ( MAIL OR DELIVER A PERIODIC STATEMENT TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE PAYMENT DUE DATE.CREDITORS CAN NOT TREAT A PAYMENT AS LATE UNLESS THEY HAVE REASONABLE PROCEDURES IN PLACE TO ENSURE THAT THE STATEMENT OR LETTER WAS DELIVERED TO THE OBLIGOR ON TIME.AS A CONSUMER BY LAW THIS LATE PAYMENT NEEDS TO BE DELETED IMMEDIATELY OR I WILL SEEK MONETARY COMPENSATION FOR VIOLATION OF MY RIGHTS IN SMALL CLAIMS COURT IN MY CITY AND STATE UNDER XXXX XXXX XXXX CIVIL LIABILITY BECAUSE I'VE BEEN VIOLATED.ALSO, WE ALREADY INVOLVED AND SENT A LETTER TO THE COMPLAINT PORTAL FOR ( CONSUMER FINANCIAL PROTECTION BUREAU, STATE ATTORNEY GENERAL 'S OFFICE, XXXX XXXX, AND FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX. XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX  does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Product: Credit card or prepaid card

I was trying to change/cancel my XXXX XXXX XXXX hotel reservation that I could not make because of CORONV19. ( XXXX closed the entire county ). 
The reservation was made thru Chase SAPPHIRE reserve credit card 3 nights for XXXX XXXX I spent 3 days since XXXX restrict the travel talking to SAPPHIRE reserve credit card customer service representatives.I was not able to get any help and chase SAPPHIRE reserve deny all my asks and did not provided any valuable help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that CapitalOne/XXXX  misses payments. Capital/XXXX  is a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted Experian via automated system for a freeze to be temporary lifted on XX/XX/XXXX and refreeze on XX/XX/XXXX, experiand let a company access my credit report on XX/XX/XXXX even thought I request it be froze that date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1971 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Wells Fargo wrongfully foreclosing on my house so I hired a lawyer who is winning the case but my credits destroyed and they claim I was a year behind on my payments and I wasn't I open an account with Wells Fargo walk-in transfer payments for the next year then they came at me and said I was 2 years behind and they tried selling my house out from under me
Product: Debt collection

XXXX XXXX XXXX I am responding to your response. Once again I am asking you guys to prove to me that I have any obligation to pay you for a debt that is with someone else. I am not admitting to this debt but I have no obligation and no contract with you guys to pay a debt that belongs to the original creditor. You have purchased this debt from them and with that being said the debt is not valid with you please cancel the documents you have sent me. I am looking for a contract between your company and me showing that I owe you this debt. If you can't provide that then this debt needs to go back to the furnisher and they need to contact me to settle the debt. I don't need documents from the actual creditor I need a contract with you guys with my signature. This is what I am looking for and if you can not provide that then this needs to be taken off my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against transunion, XXXX, XXXX for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Product: Debt collection

XXXX from Easy Money called my job. An employee, XXXX, told her that I wasnt available and to not call here again. XXXX replied if XXXX doesnt want us to call then she has to call and talk to us. XXXX again told her to not call the office again. XXXX hung up on her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I never gave any written consent to furnish any private information to any corporation. 
As of XXXX XXXX XXXXXXXX has reported an account to my credit report of {$8100.00} with zero consent from myself. 
Account # XXXX They have violated my rights and have humilated me in front of friends, family and work place. 
My credit went from XXXX to XXXX in the matter of a month do to this fraudulent activity. 
I can not apply for any of my own credit do to this fraudulent activity. 
I exercise my rights using the federal codes and demand these accounts be removed from my report immediately. 
15 US Code 1681c 15 US Code 1692
Product: Mortgage

I bought a house that closed on XX/XX/XXXX - loan was with Wells Fargo Home Loans. On XX/XX/XXXX I received a letter stating that my closing documents were revised - not to worry because nothing would change in regards to the terms ( length of loan or monthly payment ). In my opinion it was extremely misleading. I contacted the number ( XX/XX/XXXX ) listed on the letter to inquire about the change. After escalation to the Executive Office, XXXX XXXX, contacted me on XX/XX/XXXX. It was at this time she stated a case would be opened in regards to my questions/concerns. My concerns were as follows. One - why were the documents revised without consulting me prior to the change? Two - what changes were actually made? Since XXXX wasn't willing to verbally disclose what changes were made I formally requested a copy of the Document that was revised. Unfortunately, as of XX/XX/XXXX she or her office hasn't complied with that request. I took matters in my own hands and went into a Wells Fargo Bank Location and voiced my frustration - a banker was able to help me with my request. As frustration mounted I tried to contact someone else within the organization - I was told XXXX was at the highest level and she would be dealing with my case. XXXX continues to with extensions in increments of 10 business days. Fast forward to XX/XX/XXXX - XXXX contacted me once again extending the resolution date to XX/XX/XXXX. I expressed my discomfort stating, " Wells Fargo had the obligation to have a resolution closed by XX/XX/XXXX according to Federal Regulations ''. She stated, " this is a very complicated matter that needs to be addressed by many departments ''. I requested to speak to her supervisor - was told she would relay the message ( no contact with that individual as of today XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX again extending the closure date to XX/XX/XXXX. I again asked to speak to a supervisor but was denied - told the message would be relayed. In my opinion 3 month should be plenty of time. In closing, it took 1.5 days for me to figure out for myself I was overcharged on multiple lines. I did express this to XXXX on many occasions. At some point enough is enough. Wells Fargo has took to the media stating that they were reborn again in XX/XX/XXXX - it's nothing but lies.
Product: Credit reporting or other personal consumer reports

To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. 

You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

Thanks for your help in this matter. 

XXXX XXXX # XXXX - 15 U.S CODE 1681 ( o ) If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Money transfer, virtual currency, or money service

I was sent checks by another party and the checks went missing in the mail. There were 11 checks missing, with the amount totalling to {$5500.00}. The checks were deposited into an unknown account at Capital One Bank Account # XXXX. We attempted to contact Capital One bank for more information but they refused to provide any additional information regarding the account. The representative on the phone confirmed that the checks in question were deposited to this account, but they have not taken any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX  XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/XXXX  Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.
Product: Credit reporting or other personal consumer reports

Violation of Under 15 U.S. Code 1681s-2 ( 5 ) Duty to provide notice of delinquency of accounts " The law is clear : EXPERIAN only supposed to report the charge-off ONCE, mentioning the specific month and year it occurred. Only suppose to mention the charge off ONCE not to purposely continue monthly reporting CO absolutely inaccurate '' DELETE this as the data is INACCURATE see attachment for HAPPY MONEY. I demand this be removed immediately.

You guys have illegally and purposely are reporting old addresses and accounts that inaccurate and wrong but Ill follow up in court with that documentation.

You also do not have my consent to run my SSN, my monitoring alerts and to share my data to anyone as I opted out of this a month ago. Yet you still running reports that are inaccurate which is lowering my credit score and I have 99 % credit payment history! This is deliberate and fraud. They are directly violating my right after Ive instructed them to not share my data and I do not consent to pulling inaccurate data.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Items Due to Equifax Data Breach To Whom It May Concern, I am submitting this complaint as a victim of the Equifax data breach, which compromised my personal information and has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. XXXX ( a ), I am exercising my right to request the immediate blocking and removal of all fraudulent items associated with this breach. 



Under this statute, consumer reporting agencies are required to block and delete any information resulting from identity theft upon receiving notice from the consumer. I demand that all fraudulent accounts, inquiries, and any other unauthorized activity be permanently removed from my credit file without delay. 



Attached, you will find any relevant documentation supporting my claim. Please confirm receipt of this request and provide a written response regarding the corrective actions taken.