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

I filled out an online application for a Wells Fargo credit card on XX/XX/2018 and received a letter dated XX/XX/2018 denying my credit approval on the basis of Not a permanent United States resident. I've been in the United States for approximately 15 years, I have a SSN and have had several credit cards in the past, I even have a current bank account with Wells Fargo. I'm originally from XXXX, but I am a permanent resident of the United States and have gone through the proper channels to obtain my permanent resident card. I believe the reason they denied my application is discriminatory and violates the National Origin category of the ECOA.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. TIA
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX 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  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received notice that Grain XXXX  closed my credit card account with them and also reported it delinquent to all three credit bureaus without any prior notice to me. I have been making multiple on time payments every month and the account has not been late in over 10 months. I have reached out to Grain and as usual they have been unresponsive. They also fail to report to the credit bureaus on time and due to their app never working properly they have caused me to miss payment in the past that have also affected my credit. When I reached out in the past it would take weeks or months to get a response from this business due to their high volume which again would make it impossible to make payments on time. I have my bank statements that can verify that payment have been made on time and emails from grain that would show the account was not delinquent. There was a {$1000.00} and I had {$700.00} left to pay before they closed the account out and I had been making payment on time!
Product: Checking or savings account

My bank card was used in a scam and I notified the bank. They XXXX by account until the issue was resolved. After all was said and done, XXXX released the account then XXXX days later placed a hold back on it. I called them to find out what was going. They asked me to verify my identity by telling them when I joined the service and when I got out. I told them I could not recall so they said I had to email my ID to them. I tried but the email would not go through. I called back and was given a other way to send it but that too did not work. My mobile access allowed me to log in to the account but could not do anything else. It did not allow my to do anything with the funds. Nonetheless, I uploaded my ID to their documents portal using my online banking and informed them that they could get my ID from there but they told me that was not sufficient. I had to send it to the email address they provided. I tried to explain that the email did not work but it was to no avail. I asked to speak to a manager and was told I had to wait 3-5 business days. I called back because I needed money from my account and after waiting 2 hours and 45 minutes on hold, the representative told me there was nothing she could do a nd proceeded to give me the same email address even though I explained that it was not working. It has been five days and I have had to borrow money because of their insensitivity and unwillingness to do anything to assist
Product: Mortgage

I was furloughed due to the pandemic. I contacted my mortgage servicer Wells Fargo and explained that I would get caught up on my payment ( 30 + days late but not more than 60 days late ). I asked if they would waive the late fees, the Wells Fargo representative said no, unless I refinanced which I do not want to do. 
Now the late fees keep compounding and is up to {$960.00}. 
Monthly I make my payment but receive a foreclosure notification from Wells Fargo. I am not even 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX  Dismissed Acct number : XXXX Acct name : XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number ; XXXX Acct name : XXXX XXXXXXXX XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXXcct number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.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 or other personal consumer reports

On Experian, XXXX and XXXX XXXX BANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$700.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX with account # XXXX and a balance of $ XXXX original creditor is XXXX XXXX XXXXXXXX XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$980.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against equifax, XXXX XXXX, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Product: Credit reporting or other personal consumer reports

i writte this to request to remove all those colection on my credit report becuase transunion, experian and all the company have me with diferent address where i didnt leave. my address is wrong and also my name is wrong please, i been protect by the laws of 15 SC 1681 s 2 also to not gave or share my information with any company or person. 
then since all those mistake you should remove all this colection where they have my name wrong and also most of that information should be remove from my credit report because also time line is past.
Product: Credit card or prepaid card

In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 3 inquiries on my credit report. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Ive contacted XXXX XXXX XXXX and they could not validate that I authorize the inquiry. I have enclosed a correspondence that they mailed to my address stating the facts.
Product: Checking or savings account

On XX/XX/year> I reason an email about my credit karma accounts being frozen and to contact assistance if need immediate assistance. Which I contacted them that same day to get reason why and how to XXXX frozen my account as i need my money for an upcoming medical procedures. I was told by XXXX of the representatives that i need call by on XXXX for assistance with that. I reached out to credit karma customer service once again on Monday they tell me that they cant give me information on this and i have to wait for email to be sent me on next steps. XXXX comes by no email has come so i reached out to them again & request to speak with a supervisor in regards of this, they tell me its been escalated and i will be contacted by email. Its Wednesday havent gotten any email or call from supervisor. They are hold on to my funds without telling me why or what can i do to XXXX frozen my account. This put me at disadvantage because i can do what i need to for my health or lifestyle. Please help me.
Product: Credit reporting or other personal consumer reports

Please refer to complaint XXXX Experian is in the news for not replying to disputes. I've had numerous issues with Experian, which is why the CFPB is rightfully pursuing them. 

Back on XX/XX/XXXX, I disputed inaccurate items on my Experian credit report. I have sent Experian multiple dispute letters, and to date, I have received one letter that was merely a stall letter saying that they will not reinvestigate my complaint. However, an investigation into my complaint never happened. I started the dispute process on XX/XX/XXXXXXXX XXXX XXXXXXXX. The only correspondence I've received from Experian was a couple of notices that they removed my name from preapproved credit offer mailing lists for 5 years. From the original time that I mailed my first dispute ( XX/XX/XXXX ) to when they received the dispute ( XX/XX/XXXX ) is already longer than the 30-day window under the FCRA.I submitted another dispute with them on XX/XX/XXXX after the 30-day no response. I later submitted another dispute to them on XX/XX/XXXX. 

Please see their reply to my dispute ; many months later, it does not show any dates. It does not show my XXXX XXXX complaint regarding my dispute of the 60-day late payment.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

I had applied for credit and was rejected. I requested a copy of my credit reports and learned that I have medical collection accounts reporting that should not be reported. 

First of all, the accounts listed below belong to my parents, not me. The balances were from medical bills that incurred while I was a minor and my parents were the financially responsible party. 

Secondly, the original creditor, XXXX XXXX XXXX, has decided not to pursue collection efforts on these accounts due to my parents because of a Chapter XXXX Bankruptcy that they filed. 

Account # XXXX in the amount of {$170.00}, # XXXX in the amount of {$15.00}, # XXXX in the amount of {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past four business days clearly and conspicuously. I demand you block the folowing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX