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

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX, 2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.
Product: Credit reporting

I have been attempting to settle a charge with XXXX XXXX XXXX for over a year now. I do not have the collector info. This was a workman 's comp case and the insurance company info has been provided many times both through the company I work for and the insurance company. I do not know if any attempt was make to contact the insurance company, but the charges will be paid completely by them. I would like to have this open charge removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX about the problem. I sent proof over and the bureaus are still reporting the accounts. Equifax and XXXX says the account is in good standing and XXXX XXXX says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on XXXX XXXX need to be removed.
Product: Mortgage

I have been writing complaints against Wells Fargo Bank for the last year for precatory lending tactics, harassment, discrimination, XXXX tactics and cookie cutter responses to consumer complaints. Wells Fargo has continued to lie about the situation stating that there was no proof in writing or on the recording that they claimed to have listened to that my claim is valid. They have continuously stated that I have no proof to support my accusations. However, the last two complaints that I filed contained written proof of the bank lying about all of my accusations and pretending to listen to recording which they had previously used as evidence against my case. After exposing their lies by providing written proof of their despicable XXXX, discriminating and predatory lending tactics. Wells Fargo now refuses to respond in writing to my complaint. After telling vicious lies and harassing me for a year they for a whole year, Wells Fargo Bank in now refusing to respond to my complaint. Since They can no longer tell their cookie cutter lies about my case, they are refusing to respond truthfully and settle my complaint. I need the CFPB to read my complaints and help me to stop this bank from destroying the life of their consumers and the elderly. When consumers provide the proof that Wells Fargo Bank is using unethical and illegal tactics, especially against Minorities and Senior Citizens, Wells Fargo Bank refuses to respond truthfully or make attempts to settle disputes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report that I believe were made without a permissible purpose or any legitimate business reason, in violation of my right to privacy. This is a clear violation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) and 15 U.S.C. 1681b ( f ). 


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 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

XXXX has a XXXX  day late XXXX  days late on my credit file that has issues in which ACIMA claims they placed on my credit report Acima was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling Acima to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with ACIMA claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying XXXX place the info on there not them. 

I mailed them certified mail with no response to the issue
Product: Credit reporting or other personal consumer reports

i am a victim of human XXXX  for years now. 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 XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to inform XXXX that I was a victim of XXXX XXXX perpetrated by XXXX XXXX. The XXXX  occurred while I resided at XXXX XXXX XXXX, XXXX, GA XXXX. During this period, XXXX XXXX, who can be reached at XXXX and XXXX, used my personal information without my consent to open fraudulent accounts and incur debts in my name. I am now working to rebuild my life and financial stability, and I request your assistance in addressing the negative impact this has had on my credit report. 
I am requesting the following actions : * Investigation and removal of all accounts and debts that were fraudulently opened or incurred by XXXX XXXX : I believe the following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Provision of copies of all fraudulent applications and supporting documentation : This information will be helpful in my ongoing efforts to pursue legal action against XXXX XXXX and recover from the financial harm I have suffered. 
I am in the process of gathering supporting documentation related to the XXXX and will provide it as soon as possible. I understand that additional documentation may be required, and I am willing to cooperate fully with your investigation.

I would appreciate it if you could expedite this request given the sensitive nature of the situation. Please contact me at the phone number or email address above if you require any further information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a XXXX  account in XXXX. I have not done business with them since XXXX. They are reporting that the account is still open and that the date the account was opened XX/XX/XXXX. I have tried for years to get this resolved and I am still having problems with this affecting my XXXX XXXX XXXX XXXX ask that thisdebt please be removed due to inaccurate information
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting XXXX XXXX Acct # XXXX and Capital One XXXX has violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Product: Debt collection

High Desert Creditors is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. The account is a medical bill for my daughter that I dealt with the medical provider many years ago. It is from 2007. I contacted High Desert Creditors and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false and misleading to anybody who may be considering lending me money. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX, and FDCPA Section 806.
Product: Checking or savings account

I am writing to formally file a complaint against Chase Bank for a series of issues that have not only caused me severe inconvenience but also appear to be retaliatory in nature. Here 's a chronological account of the events : Transfer Limitation : On XX/XX/2023, I attempted to transfer {$1300.00} to a friend in an emergency situation, but was prevented from doing so due to a {$500.00} per day transfer limit. This restriction seemed arbitrary and posed an immediate problem for me. 

Refusal to Remove Limit : I contacted XXXX customer service to explain the urgency of the situation and verify my identity, but they refused to increase or remove the limit. This lack of flexibility caused significant distress and prevented me from providing essential support to my friend. 

Escalation Failure : I escalated the issue to Online Account Supervisor XXXX XXXX, expecting a solution. Disappointingly, she also refused to increase the limit, displaying a lack of empathy and understanding of my situation. 

Account XXXX : Shortly after my interaction with XXXX XXXX, my XXXX account was suddenly locked. The timing of this lock leads me to believe that it XXXX have been retaliatory in nature, further adding to my frustration. 

Persistent Issues with XXXX Transfers : Now, every time I attempt to use XXXX to transfer money, the transaction is rejected, and my account is locked. The unlocking process involves calling XXXX and waiting on hold for roughly XXXX minutes each time. This ongoing problem has made managing my finances a constant struggle. 

The experiences described above reflect poorly on Chase Bank 's customer service and suggest a lack of care for customer well-being and fairness. I respectfully request that the CFPB investigates these matters and assists me in resolving them promptly. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary actions to ensure that Chase Bank addresses these issues.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX XXXX XXXX, AND THIS STATEMENT IS GENERATED BY ME. AFTER REVIEWING MY CREDIT REPORTS IT HAS COME TO MY ATTENTION THAT THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT BE REFLECTED ON MY CREDIT REPORTS. PER THE FEDERAL CREDIT REPORTING ACT ( FCRA ) USC CODE 1681-B AND 15 USC CODE 1681S-2 ( A ) THE ACCOUNTS LISTED VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER FCRA GUIDELINES, IT IS NON-PERMISSIBLE FOR A CREDIT TO FURNISH INFORMATION WITHOUT MY WRITTEN CONSENT, AND MY APPROVED/AGREED WRITTEN INSTRUCTIONS. NO CONSENT CONSTITUES IDENTITY THEFT. FURTHERMORE, AS A FEDERALLY PROTECTED CONSUMER, I AM DEMANDING THE DELETION AND REMOVAL OFF ALL ACCOUNTS LISTED IN THIS REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writting for assistance. I recently sent in two letters back to back with my police report, two forms of identification, and also placed a freeze on my account with each bureau. I have received correspondence from XXXX, Equifax and XXXX with stalls letters. These bureau has had over 30 days to comply and update fradulent information on my credit report. The letter below is what was submitted and requested to be removed : To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6, The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX 7. FThe inquiry was not authorized XXXX XXXX Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of Inquiry : XXXX The inquiry was not authorized XXXX  Date of Inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of Inquiry : XX/XX/XXXX XXXX Inquiries that is showing that is due to Identity Theft That Has Been Requested To Be Remove -Refer To letter that is attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Debt collection

Purchased vehicle XX/XX/XXXX from dealer in XXXX, PA. The vehicle was financed with Legacy Funding of XXXX, PA. The vehicle was returned to the dealership in XX/XX/XXXX. The debt appeared on my credit until I filed bankruptcy in XX/XX/XXXX ( chapter XXXX discharged XX/XX/XXXX ). I recently obtained a copy of my credit report and it shows on my credit report and loan initiated XX/XX/XXXX, and repossession of vehicle in XX/XX/XXXX. 
I called Legacy Funding @ XXXX today and spw a gentlemen who refused to give me his name. I asked why is this showing on my credit report and I dont owe them anything nor have I had the vehicle in 16 years, also it was included in my bankruptcy over 10 years ago. The gentleman stated we never got the car, so you owe. I said the information being reported is totally inaccurate, as the Loan originated 17 years ago and the car was returned 15 years ago. He said it was my problem not his and refused to assist and hung on me several times, now phone calls go to voicemail when I call. This seems like a scam!! I disputed issue with credit bureau, however this is damaging my credit, it has increased my overall debit by XXXX and also dropped my score by 30 points. Please advise how I can resolve this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account XXXX XXXX XXXX was opened fraudulently in my name without my consent.I did not give authorization to furnish my information for this account. 

On XX/XX/XXXX a hard inquiry for XXXX XXXX XXXX  was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX  XXXX XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX : Reference # 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: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

XXXX  account this is no my account someone account i never have house or line or credit 2 wells fargo bank for {$17.00} {$18.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Equifax, XXXX and XXXX on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and Equifax yet still remains on my XXXX 
Inquires not authorized 1.XXXXXXXX XXXX  XXXX 2.XXXX- XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
Product: Mortgage

SPS Charging {$15.00} processing fee every month to make Mortgage Payment! Even my son questioned how this practice could be legal. {$5.00} to pay online or by phone from XXXX to XXXX of month and {$15.00} by phone or online from XXXX to XXXX of month.