23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo owns my mortgage and I fiked numerous complaint against Wells Fargo they only play game and say we r looking in to it and we will contact u but this is just for the to but time and they dont do anything. 
I sent them copy on this letter and they said they dont own my loan Try XXXX on line and this letter that I am sending to Cfpb pip up
Product: Credit card

I was charged for a subscription that belonged to my ex. She kept my credit card without my permission. I had the card reported stolen and was issued a new card. I was charged for a subscription that I had no access too with a card that should of no longer been active. I have been disputing this with the credit card company. I also have tried to call and email the company that charged me to no response. The charge should not have gone through due to the circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two inaccurate accounts with Experian that they are reporting and they have failed to do a proper investigation! The following 2 accounts are inaccurate and one is over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding to have these accounts removed with Equifax, and they refused. As of XXXX XXXX, I have been in communication with Equifax and they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ) Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a letter attached with my considers for the fraud account listed on my report. I have filed all the paperwork. Please remove the account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding Account XXXX, demanding its immediate removal due to deceptive and unlawful reporting practices. XXXX has a documented history of engaging in illegal business activities, including unlicensed debt collection and violations of state regulations. At no point was I notified by the original creditor or XXXX  that this account had been sold to a third party, raising serious concerns about the legitimacy of their claim. Furthermore, I have never received proper verification from the original creditor, despite notifying them that my personal information was compromised in a data breach ( attached ). An FTC report was filed early last year regarding this matter. 

Given these violations, I am demanding the immediate deletion of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not allow XXXX continued disregard for federal law to damage my credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e 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.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXX XXXX XXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF 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 XXXX According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Bank of America Fraudulent account was opened on XX/XX/2022, using my social security number. Went to local bank for assistance. Representative gave me a business card with contact numbers to call their fraud department. Called spoke with representative in XXXX, XXXX XXXX Transferred my call to another department. Stayed on hold for 20 minutes. Disconnected. Called the following number XXXX. Call back was received 50 minutes later. Spoke with XXXX ( XXXX office location ). Provided excellent customer service. Deleted the fraudulent account and emailed documentation for me to complete. Contacted XXXX and completed the 1-year alert on my account. I have been trying to contact the IRS Fraud Department regarding this situation. I will continue to make contact until I get a representative with the IRS.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account that was deleted by the creditor and Experian is still reporting it on my consumer report the account is XXXX XXXX XXXX This communication is from XXXX XXXX ( XXXX  ), a debt collector, and is in response to a complaint we received from the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. We take all complaints seriously and evaluate each one on a case-by-case basis. This response was submitted to the CFPB on XX/XX/XXXX. XXXX received your account ( XXXX ) for medical services provided by our client XXXX  XXXX XXXX XXXX on XX/XX/XXXX. The date of service was XX/XX/XXXX. This account represents the unpaid portion of the XXXX XXXX XXXX  charges for medical care provided in the XXXX XXXX XXXX XXXX XXXX XXXX Our initial letter, containing legally required disclosures, was mailed to you on XX/XX/XXXX, with no mail return. A second notice informing you the account was still placed in collections was mailed to you on XX/XX/XXXX, with no mail return. Upon receiving your complaint, we conducted an investigation of your account. Our clients records show that your insurance XXXX XXXX XXXX was billed. Your insurance company denied the claim, stating that services were not covered by your plan. Therefore, the balance is patient responsibility. We, along with our client, show no record of receiving any payments from you. Our investigation has confirmed the accuracy of our records. However, due to the age of your account, we have decided to remove the account from credit reporting. We have processed a manual credit deletion. Please note that we have no control over the amount of time it will take the independent credit reporting agencies to update your report. If you need further assistance, we are available XXXX XXXX  from XXXX XXXX  to XXXX XXXX  XXXX. Any of our representatives may assist you. You can also pay by phone by calling ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a concerning issue regarding unresolved disputes on my credit report. Despite filing several disputes, these items persist on my report without my consent, causing undue distress and potential harm to my financial well-being. 

I have diligently followed the necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies on my credit report. However, despite my efforts, these disputed items have not been adequately addressed or removed, as required by law. 

The persistence of these disputed items on my credit report not only affects my ability to secure favorable financial opportunities but also undermines the integrity of the credit reporting system. It is essential that credit reporting agencies uphold their responsibilities to investigate and correct inaccuracies promptly and accurately. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that my disputes are thoroughly investigated and resolved in accordance with the FCRA. Additionally, I request that measures be taken to prevent similar occurrences in the future, thereby safeguarding the rights of consumers and maintaining the integrity of credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to CARES Act/COVID 19. My accounts with Comenity Bank ( Victoria Secret, XXXX XXXX XXXX and XXXX was reporting inaccurate information. Please review my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Company has violated the following Fair Credit Reporting Laws ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Experian reported accounts on my credit report without written consent from me the consumer and violated my right to privacy.

Experian is reporting adverse information on my credit report which is not allowed by law.

Experian is reporting this information on my credit report with knowledge of errors and inaccuracies.

Experian is reporting the following information breaking these laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My capital one credit card ending in XXXX went delinquent XX/XX/XXXX, I was told that the account would receive a hardship. In XXXX of XXXX I found out that the hardship was not in place and paid the account off XXXX XXXX. Capital is reporting delinquent 90 days XXXX for XXXX.
Product: Student loan

I obtained a student loan for my XXXX studies back from XXXX. Following graduation, I began repayment. In XXXX, I enrolled in graduate studies and obtained my XXXX XXXX in Secondary Education in XXXX. During my XXXX years of grad school, I deferred my student loans and began repayment after I graduated. I had difficulty paying the loan in the XXXX. I eventually applied for and received a forbearance. I then began repayment of my loans with a company that I can not recall the name of, and then the loan was passed along/purchased by different lenders without my knowledge until after the fact. For a time I did not even know to whom I should pay for the loan. In XXXX, ACS purchased the loan, and I have been paying them monthly, without fail, since that time ( though they were recently bought out by Conduent ). My loan interest rate was locked in at XXXX XXXX. I pay {$410.00} every month, and to date, I have paid {$36000.00} ( XXXX consecutive payments ) on a loan ( original loan amount being {$37000.00} ) that I now still owe {$44000.00} ( outstanding balance as of today ). I will admit that I have not checked my account often, as the payment comes out directly/electronically every month and has for almost XXXX years. I pulled up my account today and can not wrap my head around the outstanding balance. How can I owe this amount? I also do not see a projected loan payoff date on any of the screens that I researched while logged on to the website. Perhaps that is because at this rate, I will never pay it off. Something must be wrong here, and I fear that contacting the company without support will not get me anywhere, as I have read some very negative reviews about this new company, Conduent. I have no idea who to reach out to about this. I have found many resources online, but I am not sure which ones can be trusted or which ones are just other lenders or scammers. I found this resource, and I am making a plea for assistance, advice, information ... etc. Finally, when I clicked on the Website information for Conduent that is linked from my student loan account, I received a message indicating that the website I was trying access may be impersonating the company website to get access to my personal and financial information. I have attached screen shots of all of this information for your review.
Product: Credit reporting or other personal consumer reports

Experian is not properly investigate any dispute Because I've proved proof to the company regarding an inaccurate account, .. it has been at least 48 time submitted my dispute to the company alone with proof which was upload through their website and the company failed to delete the account.CFPB have brought to light significant concern regarding experian failure to conduct proper investigation but nothing has change.
Product: Student loan

I 'm being sued by national collegiate trust out of state. They never tried to work with me to make reasonable payments. I lost my job and fell behind. My account went straight to collections. I got a job offer out of state and relocated for that job job. They did n't contact me for years and now there is a lawsuit. To make matters worse it 's being filed in Illinois and I no longer live in the state. I can not afford to fly back and defend myself from these charges and they have not served me but I checked the online court docket and a motioned was filed against me in XXXX to be scheduled on XXXX XXXX. I 'm also concerned that the statute of limitations might have lapsed on this debt and that it is not legal for them to pursue me for it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered hard inquiries on my XXXX, XXXX, and Transunion credit reports. The following institutions had requested my credit information from the following credit bureaus : Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

XXXX does not provide an option to file an online dispute against hard inquiries. I called XXXX 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that XXXX had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

Transunion does not provide an option to file an online dispute against hard inquiries. I completed an online chat with Transunion, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not Transunion 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.
Product: Debt collection

I never received a letter of notification of this debt and have disputed this debt 5 times requesting them to validate the debt and send me proof and payment history of this debt but they failed to do so and left the debt on my credit reports unlawfully. I want this debt removed because they remain in violation of CFPB and consumer credit and collection laws.
Product: Debt collection

-This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and they clearly violated my rights.
Product: Credit reporting or other personal consumer reports

Multiple items on my hard inquiries are unrecognizable and need to be removed immediately it is hurting my consumer report