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

This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX XXXX : {$3100.00} US DEPT ED XXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} US DEPT ED XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on or around XXXX XX/XX/2022. The dispute was regarding an account with XXXX. The date the dispute was allegedly processed was XXXX XX/XX/2022. Miraculously, the results of that dispute were processed on XXXX XX/XX/2022. In looking at the notes from the Experian specialist, all it says is " CFPB Complait XXXX. '' Experian was provided with XXXX XXXX  ( XXXX ) pages worth of documentation. That documentation is supposed to be reviewed by the specialist, transmitted with wth the XXXX code to the data furnisher, be reviewed by the data-furnisher, be transmitted back to Experian, and reviewed by a specialist before the information is updated. That did not happen. In fact, the before and after snapshots of the account/trade-line do not show a change in any consumer data. Yet, Experian insists the credit file was " updated ''. In all likelihood, the extent with which Experian actually conducted an investigation was to request an auomatic update of information from the data-furnisher, rather than selecting the appropriate XXXX code such that an individual with the data-furnisher could manully review the information. Of note is the the supplied documentation was generated by the data-furnisher itself, which would warrant a manual review under Experian 's XXXX. At this point, Experian is engaging in deceptive business practices, claiming disputes are investigated, showing the progression of a dispute through the investigatory process, and claiming that the consumer dispute and data-furnisher responses are reviewed. Clearly, that's not happening. What this means is Experian is failing to meet their obligations under the FCRA. In my case, they contine to harbor information in my credit files that based upon the documentation they know, or should know, is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from my credit report.
Product: Checking or savings account

The Transactions should have been declined once posted to account due to insufficient funds. Now bank is stating due to there discretion they are allowing Transactions to post which is causing overdraft fees.. XX/XX/21 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

II was reviewing my consumer report and noticed some inquiries that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX under the account number XXXX. Another credit card opened at XXXX under the account number XXXX. Also loan accounts opened at XXXX XXXX XXXX under the account number XXXX, and XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs and hard inquires as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUINOX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy XXXX reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.
Product: Debt collection

Wakefield and associates had me served with court papers XX/XX/2020 for medical bills. They had already been paid in full by my insurance company. I was being sued for like {$450.00}. I went through and got my EOB from my insurance. Called the doctor 's office that sent me to collections they admitted it was a mess up on their part but said nothing they could do. Took my EOB personally to Wakefield and associates proved I didn't owe them anything. That was on a Friday, well Monday they still proceeded to go to court and lie about me proving that I didn't owe the debt to obtain a garnishment order. I then called back after I received the order in the mail to ask them why or how they were going to garnish when I already proved I didn't owe the bills, they still garnished my husband 's check for almost {$300.00} for bills we did NOT owe! Well now it's happening again! I sent a letter contesting these latest doctor bills they are suing me for as I don't get bills from our local hospital only sent to collections so I have no idea if I owe them or not. Yet they're ignoring it once again, and have a garnishment order on my husband 's check! Not to mention in a pandemic where it's touch and go if we will have groceries! This company feels they're above the law and don't have to follow fair credit collection laws!
Product: Credit card

I contacted XXXX regarding a charge on my credit card that was meant to be refunded by the company back in XXXX. Initially, XXXX removed the charge, but it was added back after a few months. I followed up, provided the refund receipt, and XXXX removed the charge again. However, now theyre stating that the charge is valid because the company wont remove it, which is incorrect. We did not use the service that day, and I have documented proof, including a picture of the refund receipt.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter.
Product: Credit card

After my last complaint filed with the CFPB regarding my Discover card, Discover sent me a letter, dated XX/XX/year>, stating my Discover tradeline would be removed from my credit report. This removal has not been performed by Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Prepaid card

I received an American Express Gift Card from my company for {$350.00} and have been unable to use it online or at any store. I submitted two purchases to XXXX which should support the gift card, and received qty 2 {$0.00} cent charges ( XX/XX/year> ) showing XXXX tried to make the charges but seemingly was declined by American Express. I tried to call and understand why these charges were canceled ( XX/XX/year> ) and was told that any company that doesn't allow anonymous transactions will not take my card. However, I was told my zip code and address MIGHT work. 

I asked which companies support online purchases with American Express Gift Cards and was not given an answer. Then I was told I could add it to my XXXXXXXX wallet, but that also did not work. I actually received another {$0.00} ( XX/XX/year> ) in charges from XXXX for attempting to add it to my wallet dropping the balance of my gift card. 

I can not use the card and can not get any information on how to proceed. Every time I attempt to use the charge it is declined and I get a small {$0.00} charge deduction from the gift card. The information I'm being given from Customer Service is unhelpful and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXXXXXX  and the proceeds were divided 50/50.
Product: Mortgage

Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.
Product: Credit card or prepaid card

First, I am a XXXX Senior with high underlying medical issues that is a HIGH RISK for the Corona Virus. CDC advised people of XXXX with High-Risk Medical Issues to stay at home. I filed a dispute of charge with Paypal but will not assist with the issue. Although the Pandemic Virus is deadly for me and no specific XXXX XXXX Policy for issues like this. I've had to skip monthly payments due to no additional funds coming in for me and creates a financial hardship. XXXX XXXX should refund the money on my Paypal Smart Connect Account because they are placing my life in danger to keep their revenue. 
Normally, I do not fly but wanted to participate in a Family Vacation. 
On XX/XX/2020, I placed reservations from XXXX to XXXX XXXX, CA for a cruise but there were more Senior citizen deaths, and more people diagnosed positive for the virus. I called XXXX XXXX to see how they were handling reservations with unavoidable issues. On a fixed income with a medical issue such as XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and mainly respiratory issues. I needed to cancel the flight and cruise ... unfortunately I would have lost over XXXX for the cruise and XXXX for the flight, Therefore, XXXX XXXX offered one option and that was a discount on the flight. There {$200.00} they could have refunded but would not so place it to be used on a future flight. I explained I do not fly so it would not benefit me but they would not refund it. On today XX/XX/2020, XXXX canceled the cruise because it wasn't safe for the XX/XX/2020 cruise. Fortunately, XXXX cared more about their customers and provided 2 options. I decided to request the second option of which 100 % refund. I do not understand why XXXX XXXX does not assist its customers, especially Very High-Risk Medical Issues. XXXX XXXX would rather risk the customer 's life than lose their bottom line/revenue.
Product: Mortgage

Wells Fargo engaged in yet another wrongful foreclosure procedure. Their attorneys XXXX XXXX XXXX led by XXXX XXXX have engaged in a plethora of frauds against my homestead and the court. We have continuously claimed the home was paid off and Wells Fargo has yet to produce any of the requested information. Wells Fargo filed for foreclosure in XXXX and did not complete the foreclose process until XXXX. The company and its attorneys engaged in dishonest unethical legal strategies to foreclose on my homestead. Wells Fargo intentionally failed to contact for years and never provided copies of any pleading. They intentionally failed to serve me regarding court hearings and summarily got a default judgement against my homestead without me knowing a hearing had occurred. I am now being forced to file bankruptcy to save my home. We are currently filing car complaints against all the attorneys involved as they engaged in fraudulent behavior by filing false certificates of service for example. All allegations can be substantiated simply by examine the case history. I believe the bank wrongfully foreclosed on my home as they have a history of this behavior. I am now a victim and seek justice to rectify this matter. Please review the Bill of Review filed and it clearly summarizes many of the wrongdoings by Wells Fargo and attorney XXXX XXXX located in XXXX XXXX XXXXXXXX I experienced the same things Wells Fargo was just sued for by the government. The property is located at XXXX XXXX XXXX  in XXXX XXXX TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap , they also violated my rights under -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.