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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. XXXX I have a 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.
Product: Debt collection

I mailed a dispute letter to experian on XXXX XXXX, 2022. The credit bureau has failed to respond within the legal timeframe.
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 XXXX XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY EXPERIAN CREDIT RPORT. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 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. 1681 C. ( 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. 45U.S.C. 1681 S- 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

I 've been trying to get TransUnion to remove the public record on my account removed because they ca n't verify the address. The XXXX issue is was whenfinished their initial investigation and I requested a re-investigation. I then requested the manner in which they verified, name of business, person they spoke to, phone number and address. According to FCRA 609 ( a ) ( XXXX ), they had XXXX days to comply, to which they did not. After some time and a few investigations later I requested for them to verify the address, after I already researched the case number and found the address is bit mine and therefore ca n't be verified. When I asked a person on the phone how the verified the bankruptcy and they told me they called the court and verified all the information which we both know the courts do not share info with the CRAS, done third party company does. They led already now they continue to carry out actions to support their immoral and unjust behaviors. Please remind them of my rights as a consumer and push them to remove this Public Record. live already cost me XXXX of dollars due to the interest-rate on my house in my car and I am not willing to go any further with this incorrect information on my file. If they do n't remove this I 'm going to be forced to take them to small claims to recover the monies this debacle is choosing me. Thank you very much and XXXX bless you.
Product: Payday loan, title loan, personal loan, or advance loan

I was not aware that payday loans are illegal in New York XXXX and when shopping online at the time for a small loan, I was directed to onemain financial.com from a XXXX search and I applied for a payday loan so that I could pay off my fathers funeral. Trying to make payments consistently was not an issue until I realized that every time I made a payment 15 days later I was making the same payment in the amount never went down. When I called one main financial to find out why my amounts were not going down and decreasing the advise me my interest rate Was so high that it brought me back to the same amount and it would be a repeated cycle for XXXX years. I advised them that that made no sense and that it did not allow me to pay off the loan. I feel I was bamboozled because if I had new with the interest rate, and the interest rate was calculated daily I would never have put myself in that situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eagle accounts agreed to removed a negative on my report. It was removed from XXXX and duplicated on XXXX. This happens every few years dropping my score XXXX-26 points each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I had a loan with Toyota motor credit and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all XXXX credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to XXXX accuracy on acounts reporting to my credit file and Toyota mtr is violating my rights.please investigate and delete this account from my credit report Toyota mtr account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Product: Mortgage

Trying to get a refi on my house so I can buy my husband out of his part for the XXXX rocket mortgage sent an appraiser out here to do the appraisal the guy not picked about chipped paint and wanted us to change our source of heat over to electric or gas because people r lazy. Report will be uploaded they told me I could dispute it if I found property that sold for more with similar structures. I have done that and sent them pictures. Then they changed my loan officer to someone else and put a new person on it and he never even contacted me plus he lowered the loan even more than what it was.
Product: Credit card

I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.
Product: Credit card

Account # XXXX & XXXX I am writing to formally lodge a complaint against Wells Fargo regarding their handling of my credit card account, which I believe constitutes violations under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions, the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and potential discriminatory practices. 

Recently, I have noticed that a significant portion of my credit card payments, approximately 80 %, is being allocated towards interest charges. This has caused considerable financial hardship for me. Previously, my interest charges were around 30 % of my payments. However, Wells Fargo recently lowered my credit limit without providing sufficient notice or an opportunity for me to pay off my balance beforehand. This abrupt reduction in my credit limit has adversely affected my credit score. The current interest rate is 30 %. 

While I understand that Wells Fargo has the right to adjust credit limits, I believe that the manner in which they executed this change was unfair and deceptive. By not allowing me adequate time to address my balance before lowering my limit, they have significantly increased my financial burden and negatively impacted my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to fair and accurate reporting of their credit information. Additionally, the XXXX provisions protect consumers from unfair, deceptive, or abusive practices by financial institutions. The Equal Credit Opportunity Act ( XXXX ) ensures that all creditworthy applicants are treated fairly and prohibits discrimination in any aspect of a credit transaction. As a XXXX XXXX, I am concerned that Wells Fargos actions may also reflect discriminatory practices, which have historically affected minority communities. 

To resolve this issue, I propose that Wells Fargo restore my credit limit to its original amount and freeze my account without accruing interest for XXXX year, allowing me to pay off the balance. In exchange, I will agree to never knowingly request credit from Wells Fargo again. 

I request that the CFPB investigate this matter and take appropriate action to ensure that Wells Fargos practices comply with consumer protection laws. Additionally, I seek relief from the excessive interest charges and a review of the credit limit reduction process to prevent similar issues from affecting other consumers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, XXXX  and Experian. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Product: Credit reporting or other personal consumer reports

This debt collector engage and abusive detective and unfair practice of FDCPA which it prohibits they furnished those accounts that we didn't agree upon and I didn't sign an agreement on. A Legal of contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper five step validation procedure which make this unfair practiced.According to FDCPA I'm entitled to {$1000.00} prayer violation Then clearly violate my right
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, PayPal made my remaining Account balance of {$230.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.
Product: Credit reporting or other personal consumer reports

Experian continues to decrease my credit score unknown reasons. As I continue to dispute or submit a complaint via CFPB Experian decrease my credit score points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
Product: Credit reporting or other personal consumer reports

I have called Equifax to inform them that my credit report isnt showing anything. They asked me to send in documents and I have sent in verification documents. They still havent unblocked it.
Product: Payday loan, title loan, personal loan, or advance loan

Raising the interest fees making it impossible to pay loan off.
Product: Credit reporting or other personal consumer reports

Equifax is reporting in accurate information personal information. They have my grandmother listed as myself. Her name is XXXX XXXXThis information is wrong and her name needs to be removed. I have never had an account with my grandmother.
Product: Mortgage

I paid my mortgage payment on time in the beginning of XXXX and my payment was not processed. I was forced to pay my payment 3 times in order for it to show with Caliber home loans. My loan # is XXXX and the ph # is XXXX. The payment finally posted in XXXX and now I have a 30 day late on my credit report. I have email confirmations of when I paid the payments. All I ask is the deliquency be removed off my credit report.
Product: Debt collection

Mortgage refinance - Title company found judgement against XXXX XXXX form XXXX XXXX. Although the address and date of birth did not match they would not clear title because somehow, Asset Recovery Group had my SS #. XXXX attorney 's I talked to said they frequently pull that information from data bases without verification. After several conversations with the title company ( WFG ) they ( Asset Recovery ) convinced them beyond a doubt that this was my debt. This is fraud. We were three days from signing ... I had no choice but to pay someone else 's debt or loose my interest rate. {$2700.00}. I want my money back. 

XXXX XXXX living in XXXX WA made numerous trips to the XXXX over several years around XXXX. She ended up owing XXXX which she defaulted on. XXXX reported this debt to the credit agencies on XXXX XXXX 's SS and then sold it to Asset Recovery who pulled my SS number from a data base, probably due to the similar date of birth. XXXX XXXX, however, was served at her home -in XXXX!! 

All XXXX had to do was look at my credit reports to clearly see I have never lived XXXX and never been to the XXXX. My credit reports are spotless with a score of XXXX XXXX to be found. My children have know me for some time and never once visited me in XXXX. 

The date of birth was wrong and in XXXX I had dark red hair - I only stopped dying my hair two years ago but you would not know that, no one ever called me ... 

Asset Recovery has stopped giving me information as they are realizing they have made an egregious error, but admitting that opens them up to a law suit. Collection agencies pull SS from data bases and errors are not uncommon. At our last communication they said " we are not sure you are this person. '' They will not provide me the date of birth so I can order the medical records from the XXXX, because as the last XXXX attorneys I have spoken with have indicated ... the XXXX will have the correct SS #. Gee, if I was really this person I should have no trouble getting my own medical records ... thing is I 'm not this person. I do n't know her real SS or her real date of birth.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX, XXXX. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello.I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Mortgage

I bought XXXX XXXX XXXX on it for over 14 years I found out after my wife passed away I still owed almost exactly how much I borrowed when I called them told me it was simple interest i never heard of this.i tried to sell for short sale refused to work with me even though I had pain over $ XXXX on $ XXXX loan. I ended up walking they sold it at private " auctions for $ XXXX put new carpet new " owners sold for $ XXXX now I get a XXXX {$31000.00} not paying debt Also 3 years after it was listed as discharged on credit report sold loan they told me and it has been almost 10 years ago this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXXOriginal Creditor : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX Original Creditor : XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : 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

UNATHORIZED FRAUD ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion Equifax and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite my efforts to resolve these issues directly with both companies, they have failed to address the inaccuracies in my credit reports, causing significant harm to my financial well-being. 

Violations : Failure to Maintain Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Both Equifax and Experian have reported inaccurate information on my credit reports, failing to follow reasonable procedures to ensure maximum possible accuracy, as required by the FCRA. 
Inadequate Reinvestigation of Disputed Information ( 15 U.S.C. 1681i ( a ) ) : Upon disputing the inaccuracies, both agencies conducted insufficient reinvestigations, neglecting to consider all relevant information provided, in violation of their obligations under the FCRA. 
Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Both agencies have allowed previously deleted inaccurate information to reappear on my credit reports without proper notification, contravening FCRA guidelines. 
Failure to Provide Opt-Out Notices ( 15 U.S.C. 1681b ( e ) ) : Neither Equifax nor Experian informed me of my right to opt out of prescreened offers of credit and insurance, as mandated by the FCRA. 
Supporting Evidence : Copies of my credit reports from Equifax and Experian highlighting the inaccuracies.

Copies of dispute letters sent to both agencies.

Correspondence received from Equifax and Experian regarding my disputes.

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate Equifax and Experian for the aforementioned violations.

Compel both agencies to correct the inaccuracies in my credit reports.

Ensure that both agencies implement adequate procedures to prevent future occurrences.

Impose appropriate penalties on Equifax and Experian for their non-compliance with the FCRA.

Conclusion : The negligent practices of Equifa
x and Experian have caused undue hardship, including denial of credit and emotional distress. I urge the Consumer Financial Protection Bureau to take immediate action to enforce compliance with the FCRA and protect consumers from such unfair practices. 

Thank you for your prompt attention to this serious matter. 

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

Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!
Product: Money transfer, virtual currency, or money service

So now we are aware that there was a negotiable instrument/assignment to this Company fraudulently, can we now have a sign statement under the penalty of perjury that his company is actually do anything. 
Definition of Identity Theft Noun The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/TURST account, usually for the purpose of financial gain. 

Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition In the attempt to try to resolve the fraudulent misrepresentation there have been negotiable instruments sent that was not entirely sent back. 
The company actually kept the payment they have the receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all three bureaus : XXXX, Equifax, and XXXX.