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

I have had a credit freeze on my Experian credit file since 2007 because I was a fraud victim. I received a letter about a year and half ago that stated my name was among many where my information was some how may have been exposed and I was to enroll with XXXX. I was contacted by XXXX that the monitoring had stop and XXXX by Experian was taking over. It did not matter to me because I had an actually credit freeze on my account for over ten year. XXXX cancled the credit monitoring and remove the credit freeze completely without me requesting them to do so. All three of my credits reports are on credit freeze for the last 10 years. I have to pay to get my credit reports unlock for a certain period of time. Now, Experian is demanding money for a credit freeze that I should not be paying for since I was a fraud victim. They had no right and nor did I give them permission to take the credit freeze off. If someone steals my information, they need to pay for this because this is just wrong.
Product: Credit card

MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax claimed that the account listed below was reporting 100 %, how can that be Equifax never did an investigation. The account listed below contains several inaccuracies and missing information. Equifax listed this account as included in a bankruptcy, if so, how is it showing delinquent and included in a bankruptcy ( this is illegal to show an account in bankruptcy and be reporting delinquent at the same time ). For more than 3 months Equifax has continued to say this account is accurate, however that is false as evidenced by my attachments proving Equifax violated the FCRA. Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to correct, and or remove erroneous reporting accounts on my consumer report, despite my several attempts to get them to do so. An account on my report is actually reporting twice, and yet has different payment histories, and activity dates. The do not report a closing date for one account, and yet have the the second duplicate account as C/O this year which should have been resolved in XXXX. I have disputed with them by certified XXXX  mail, on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, and XX/XX/XXXX ; and each time, they outright ignore my disputes, or send back the generic, " This account has been verified '' message. When I ask for their " method of verification '' as detailed in FCRA section 611, they still will not forward me the information of specifically with whom they spoke and such, or communicated with to verify these erroneous accounts, so that I can personally follow up on their reporting. Ironically, this erroneously reporting account was just removed from my XXXX XXXX report because if the same erroneous issues, and will be removed from my XXXX report soon. I have also sent this clear evidence of this incongruent and erroneous reporting to Equifax, and they still refuse to conduct a proper investigation, and or remove this account. This account is costing me money, from higher interest rates, as well as outright denials for certain business opportunities, unjustly
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, Equifax, XXXX, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received no written notice or reminder my payment was due on XXXX credit cards that were due today. When I remembered tge payment needed to be paid today, it was past their cut off time. Their app I use to pay my credit cards states to call them if you are making your payment past a certain time. I contacted them only to be told I would incur a late fee and that in future I might want to sign up for auto pay, I told them I wished that had been offered this service before today. No one had ever told me this. It just did not seem fair after talking to a supervisor also.
Product: Debt collection

I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL ME!!!!
Product: Checking or savings account

This happens every time I re-order checks from Wells Fargo bank. Each time I end up using a customer service agent who does not listen and submits the order incorrectly. I was sent the duplicate check package ( rather than single checks with no carbon copy ). It takes 2-4 weeks for delivery. The checks arrive and the are wrong ... the checks are double/not single. I call about the issue and am told they will replace the checks ( least they could do ) but it would take an additional 2-4 weeks for them to arrive [ making the process more like 4-8 weeks from my perspective. 1 ) I requested since it was their error that they would expidite the shipping, they refused ; 2 ) I needed to inquire if there was a difference in pricing between the dup ; licate vs single checks and yes ... there was an {$8.00} difference. Had I not made this inquiry and insisted, Wells Fargo inrtended to keep the {$8.00} difference in the cost of the checks. Over the space in any given period, how may times does this happen, begging the question how many times does Wells Fargo overcharge customer for products as a result of their mistake. I should have been notified ( without prompting and their having to research ) if the unit price for the order was different and that difference automatically refunded, not needing to be specifically requested ; and 2 ) the order since it was incorrect should have received the expedited shipping as a courtesy ( if not compensation ) in recognition of the inconvenience. I am : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Bank was Wells Fargo and the Case # is XXXX. Major to me that over millions of customers these fees which are overcharged add up and that they seem to take no responsibility for their ewrrors. Simply reprocessing is the bare minimum of their due responsibility. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, but the errors have not been resolved. Despite my attempts, the credit bureaus have failed to take action to correct these inaccuracies.

The issues with my credit report are as follows : Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : Despite submitting a dispute, the credit bureaus did not provide any supporting documentation to verify the accuracy of the reported information, as required by law.

Inadequate Investigation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ) : The credit bureaus did not conduct a reasonable investigation into my dispute. No adequate efforts were made to verify or validate the information reported.

Improper Reinsertions ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) : The disputed account was reinserted onto my credit report without proper validation, which violates the reinsertions protocols under the FCRA. 

I am requesting that the CFPB take action to investigate these violations and require the credit bureaus to correct the errors, follow proper dispute procedures, and provide the required documentation in compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Credit card was reporting to bureaus. In XXXX XXXX, my line stopped reporting to Experian. In XX/XX/XXXX, my credit card stopped reporting to XXXX. And in XX/XX/XXXX, my line stopped reporting to XXXX. This card is XXXX years old, and stopped reporting which caused a drop in my credit report.
Product: Mortgage

I applied and was approved and eligible for HAF. Submitted to PHH for modification with HAF - 9 months later, I received a denial - reasons being that no customer communication and missing documents. 
I have record of constant communication- my endless efforts to speak with RM - always told no avail or advized me to go online and make apt . Knowing that once in foreclosure, I can not sign in and a couple times, they just hung up on me.
Product: Credit reporting or other personal consumer reports

Placed order with XXXX. Offered payment plan thru XXXX. Not given ANY details about return/refund policies. Received item. Returned item next day. Tried contacting XXXX & found out it was really AFFIRM. Spoke w/cs about return. Was told I had to make payments even if item returned. XXXX issued credit for return less {$480.00}. Requested help from XXXX XXXX AFFIRM over XXXX times without reply. AFFIRM reported nonpayment to credit bureau XXXX. Contacted XXXX with details of purchase & return. Even though a credit of over {$4000.00}. issued, nonpayment of {$480.00} on credit report. XXXX XXXX went from excellent to good. Made payment of {$480.00} ( even though it was not owed ) Negative credit report not corrected or updated. Paid {$480.00} for NOTHING & Credit Damaged with no options to get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to delete the unauthorized hard inquiries from my credit report. It is affecting me from attaining new forms of credit. I am purchasing a home, and I need the hard inquiries from my credit report to start getting pre-approved for a mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to contest certain accounts and inquiries listed on my consumer credit report, as referenced below, which appear to be a result of a data breach, fraud, or unauthorized activity. Additionally, I request verifiable proof of these actions, including documentation bearing my signature or electronic signature. This letter is submitted by me personally, not by a third party, so I ask that you review it carefully. I did not authorize any such actions, and they represent a violation of my rights under the Fair Credit Reporting Act, specifically Section 605B, concerning the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604, which defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. After reaching out to the companies involved, I have determined that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they are incorrect and should be attributed to a data breach or unauthorized reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are in clear violation of the law. Pursuant 15 USC1681B Inquiries appearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX 30 day late Experian 30 day late In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX has violated my rights XXXX 30 day late Experian 30 day late XXXX. 30 day late In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights Experian 30 days late XXXX. 30 days late XXXX. 30 days late also never late and neither report reflects accurate information 15 USC 1681 section 602 states I have the right to privacy.

15 USC 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. Code 1681a-Definitions ; rules of construction- exclusions-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. The account number is XXXX and company name is XXXX XXXX there are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Product: Payday loan, title loan, or personal loan

My husband and I used Uplift financial services in paying for a XXXX trip by XXXX XXXX. XXXXl agent at the time of check-in misplaced the travel document of our child and ended up denying us the cruise we planned for and have refused to refund our money. Since we paid through uplift financial services, we reached out for consumer protection from Uplift to dispute the payment made to XXXX for never providing any service, and we are finding out that Uplift is biased on this matter, refusing to offer us any protection as consumers who have been ill-treated by a merchant. As consumers we need protection from companies like uplift who provided the financial services but in our case, Uplift has refused and denied us that. Therefore, we are filing this complaint. Our loan ID number are XXXX and XXXX belonging to my husband and myself- used for the same and one purchase. We feel that XXXX and Uplift have connived to carry-out such evil and wickedness as in our experience. We should be treated as victims here, having ruined our vacation by misplacing our travel document, refusing to take any responsibility and to add salt to the injury refusing us our full refund. Uplift should provide consumer protection from a deceitful and irresponsible company like XXXX XXXX.
Product: Checking or savings account

I made an ATM deposit of a treasury check XX/XX/XXXX in the amount of {$20000.00}, I didn't have a choice since there aren't any free standing Capital One Banks. I received it from XXXX because I am the next of XXXX and my dad passed away. As usual received an email XX/XX/XXXX on the deposit that it would not be available at one time. So half became available, and there was a date provided when the other half would be available. Amounts showed available through my online banking. Then moments later received an email that there was a hold, but now funds would not be available until XX/XX/XXXX. I called and spoke with two different representatives. The only explanation I got, was that they were waiting to see if the funds were going to be returned back to the sender and would not be released any earlier. They then mentioned an option to return the check, but then I would have to literally go open up a new bank account which I don't feel like doing. I would have a hassle trying to cash the check anywhere without an account. 
I understand there is a lot of fraud going on. I have been a victim a few times since living in south XXXX. I don't mind a few days of waiting, but 2 months is excessive especially for a treasury issued check.
Product: Payday loan, title loan, or personal loan

I tried to obtain An installment loan and I met the requirements from the initial underwriter XXXX ..but as we got closer and closer to me signing the underwriters documents ... XXXX asked me to come in to give them documents that I could not receive as it was advertised on the news that transcripts/ taxes for 2020 are delayed .. I also had someone from the XXXX on the phone at the same time as XXXX explain that it was too early to provide transcripts ..I provided my tax returns from XXXX  and I underwriter claimed that wasnt enough.. 
Afterwards the underwriter asked me to clarify a car loan that reported on my credit report ..once I verified it she asked if my car note was lower which had nothing to do with my debt to income ratio recorded ..everything was fine until I sent in my id ... i feel XXXX discriminated against and its not right
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. As these erroneous accounts has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX TRANSUNION XXXX ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in 15 days remove the account from my credit file and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX
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  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.
Product: Credit reporting or other personal consumer reports

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
Product: Debt collection

I am writing to you about the succeeding LVNV account # XXXX, Opened date : XX/XX/2019, highest balance {$3600.00}, original creditor : XXXX XXXX. This case is worth over {$100000.00}. I have been turned down from several lines of credit and this is also affecting me emotionally. 

My demand is to get the item removed based on all the unfair practices and negligence that this company has committed. Just to mention some of them : 1 ) Account has been re-aged. showing latest status as 120 days late, this has hurt his score, collection company can only report account as collection and not report it that theres a monthly payment due thats 120 days late. 
2 ) Reporting collection account illegally as 120 days late.

3 ) Failed to report last payment date.

Ive been paying high interest rates because my credit score keeps decreasing month by month. I deserve to get the item removed from the 3 major credit report asap.
Product: Debt collection

Recently filed a complaint ( # : XXXX ). Company agreed to " contact our client XXXX and they have agreed to write off the outstanding balance. We have removed our credit reporting entry and cancelled the account from our system. '' This has not been removed from my credit report, at all. 

This is not my debt, and I do not owe it. It should not be written on my credit report, and the company agreed to remove it. However, they have not kept up with their promise to remove.