23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Experian Customer Service, I hope this letter finds you well. I am writing to formally request the immediate deletion of certain items from my consumer credit report that I believe have not been properly investigated. 

I have recently learned that the Consumer Financial Protection Bureau ( CFPB ) is suing Experian for conducting sham investigations. This matter has raised serious concerns about the integrity of the investigations into my credit report. I believe that the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not been appropriately reviewed, as I provided substantial proof that was either overlooked or not adequately considered during your investigation process. 

Given the circumstances, I kindly ask that you conduct a thorough re-evaluation of these items. If it is determined that the investigations were insufficient or that the information is inaccurate, I request the immediate deletion of these items from my credit report. 

Please confirm the receipt of this request and inform me of the actions taken regarding my consumer report. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

Received a letter from my bank asking to verify information regarding my credit application. I have not applied for any credit with my banking institutions.
Product: Debt collection

On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.
Product: Debt collection

The company JEFFERSON CAPITAL SYSTEMS is attempting to collect a debt I do not owe. 
They repeatedly report this fraudulent information. I have not contract with them and have received no services from them. I want them to withdraw there fraudulent report from my records immediately. This has cost me my good name and has brought a great deal of stress to my life. They repetitively send harassing mail to my home and wont go away. 
I have no accounts with them and never had. They lie and say that I owe them money. I have not ever signed anything stating any such agreements with them. I WANT THEM TO REMOVE THEIR NAME AND DEROGATORY MARK FROM MY CREDIT REPORT. 
Thank you for your time.
Product: Mortgage

I XXXX XXXX have a mortgage along with my mother with Wells Fargo Home Mortgage. My mother is completely out of the equation right now as she is nearly XXXX years old and living in a XXXX XXXX. When I was out of work from a serious medical condition, I had nobody to help me with my obligations. However, my house went into foreclosure and I was told that my only remedy was to file a Chapter XXXX bankruptcy petition. I realize that the filing might have been a short tern solution, but I believe that as a member of the XXXX community who has lived within the law all of her life, that I was abusively mistreated by Wells Fargo Home Mortgage. Once I was back to work my mortgage could have easily been restructured. However, I was treated badly by representatives of Wells Fargo even though I should have been granted a modification with a forbearance included. I hereby submit my protest through the CFPB, so that I can have it posted on public record that as a member of the XXXX community I was bullied into a bankruptcy that was totally unnecessary. I desire to dismiss my Chapter XXXX and open a line of communications to restructure a true modification under my protective rights with the Fair Debt Collection Practices Act. I am requesting a full QWR on my property indebtedness to find out the true ownership of its note, and I intend to file a formal complaint with the FDIC within the next week. I demand a full review of my file and an assignment of a qualified loan officer to help me restructure my mortgage serviced by Wells Fargo Home Mortgage.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Bankruptcy Reference # XXXX XXXX XXXX
Product: Mortgage

Wells Fargo agreed to do a deed in lieu and {$6500.00} in relocation assistance after my XX/XX/XXXX certified letter to XXXX XXXX. I dealt with a single point of contact ( XXXX XXXX ). to accomplish this. The first thing that I was asked for was the appraisal XX/XX/XXXX ( email attached ) which occurred XX/XX/XXXX.. I responded by e-mail within hours to the other request ( validating that the HOA does n't provide any Certificate of Approval to transfer deed ). So there were NO delays on my part.The timeline per the Wells Fargo website ( Step XXXX ) is 30 days to " review required terms and request approval from investor ''. The investor approval ( XXXX XXXX ) was not requested until XX/XX/XXXX. Wells states that XXXX XXXX declined the deed-in-lieu due to " imminent foreclosure '' indicating that the approval package to XXXX XXXX was not submitted in a timely manner. I was notified by phone by XXXX XXXX on XXXX/XXXX/XXXX The foreclosure sale was scheduled for XX/XX/XXXX and did occur. The house was sold to Wells. I had 10 days to appeal the sale. The previous sale was scheduled on XX/XX/XXXX and was postponed by Wells with the express reason for the deed-in-lieu process to occur. .I contacted Constituent Services with my Congressman 's Office ( XXXX XXXX ) on XX/XX/XXXX, but XXXX XXXX misrepresented facts ( like saying a phone call to me occurred on XX/XX/XXXX which it never did ). Wells points the finger at XXXX XXXX and XXXX XXXX points back to Wells. I opened a XXXX XXXX case # XXXX and they have NEVER CALLED. I am in the middle with only today to keep the Certificate of Title from transferring to Wells and having a foreclosure on my credit record. Wells did not meet their published timelines not the constant assurances from XXXX XXXX ( Wells Fargo single point of contact ). Wells either by design or intent let the clock run out to make it almost impossible to do the deed-in-lieu, get my relocation assistance promised, and leave the house gracefully. Based on the fact that I am a XXXX year old XXXX, 10 years with a foreclosure on my credit rating is essentially a life sentence of homelessness. I need your help today to get Wells to withdrawal any legal papers related to the XX/XX/XXXX sale.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

On Saturday, XX/XX/2022 I visited a website to purchase ( XXXX ) tickets for a XXXX concert event. The total cost was {$370.00} ( USD ). Upon the payment confirmation page, a dialogue box appeared that indicated I would receive a confirmation email as well as the tickets to enter the event that I would, specifically, need to print to enter the event. The confirmation email never came on that date or any other date after that date. 

The merchant appears as XXXX XXXX XXXX LL on my transaction history. 

I made this payment with my CashApp XXXX. I immediately contacted CashApp on the same date because I was unable to reach any listed number or email with the event organizers. I knew I needed to contact CASHAPP because the event had started and the payment still showed pending. Without proof of the tickets or email, I was not going to be able to enter the event. 

I have contacted CashApp Support on the following dates with no resolution : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 CashApp support representatives have been giving me the runaround since that date. I have followed up with them over a dozen times and they continuously tell me that my issue is being escalated. They never provide any updates on the investigation, nor have they credited my account for the amount taken.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Experian IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX, XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, XXXX XXXX are financial institutions and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( XXXX XXXX, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX Account # XXXX. they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the XXXX XXXX act XXXX XXXX XXXX XXXX XXXX Account # 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 agency can not furnish a account without my written instructions.
Product: Student loan

Upon looking into my payment history and my account in general I have noticed several areas of discrepancy. I have not requested years of forbearance yet there are years or forbearance periods on my account. I have had this consolidation loan with Navient formally XXXX XXXX since XX/XX/XXXX. I XXXX  college in XXXX. Yet instead of having repayment each year I have huge gaps in my repayment using forbearance that I did not request, the first being from XX/XX/XXXX XXXX when it then states I entered repayment. Then I have Forbearance periods for a month or 2 in-between repayments until XX/XX/XXXX when against my knowledge I was placed in Forbearance status again this time from XX/XX/XXXX to XX/XX/XXXX. ( during COVID ). I am a family of XXXX and have had a " XXXX '' payment each time I have recertified my plan so there is no reason that I would request forbearance since my income has remained stable. I am more that happy to provide family size and tax return information during the years of unauthorized periods of forbearance. I have called and attempted to speak to representatives who hang up on me. This is unacceptable practice and if not resolved I will be seeking further action.
Product: Debt collection

XXXX XXXX called my work repeatedly and shared personal information with my manager. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, Experian and XXXX XXXX XXXX, I noticed Inquiries I do not authorize nor recall granting written authorization ( s ). Please investigate to see if accounts : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Product: Checking or savings account

Capital One keeps allowing fraud checking accounts to be opened in my name. The info includes my Social Security Number, full name, home address, email address, phone number. 

XX/XX/2022 : I received a debit card in the mail from Capital One for a XXXX checking account. I didnt open it so I called Capital One. They apologized, closed the account, SUPPOSEDLY deleted my information, and SUPPOSEDLY put a fraud alert connected to me saying that I have no intention of opening accounts with them. Capital One refused me any information connected to the account and told me to file a police report if I wanted it. I also went and froze my XXXX XXXX from the XXXX credit bureaus. 

XX/XX/2022 : I received XXXX emails both at XXXX. The first XXXX said Thank you for opening your checking account with us XXXX XXXX! Please upload XXXX forms of ID to complete the process! It also includes a application ID. The second one informed me that the phone number associated to the account was changed. I immediately called Capital One again. The lady on the phone informed me that she couldnt close the account and that the Fraud department was closed and would open tomorrow at XXXX. She swore up and down that they would reimburse me for any money/loans or anything done in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Credit Cards Benefits denied my claim XXXX for {$370.00} for delayed trip protection. On XX/XX/XXXX, I was flying from XXXX ( 46 Minute connection ) -XXXX . My first flight got delayed by over an Hour, hence I was not able to make a connection. This required me to stay overnight in XXXX, delayed my trip and I had to fly the next day. 

Terms and conditions says, If a Covered Travelers Trip on a Common Carrier is  delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay.. In Addition, it says Trip Departure Date means the date on which the Covered Traveler ( s ) are originally scheduled to leave on the Common Carrier. Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination..

An excuse for the denial given is that since my first flight was only delayed by over an hour ( Not 3 Hours ), it 's not covered even though it completely contradicts what terms and conditions state. As stated above if your WHOLE trip is delayed, not only a first flight, you are covered for incurred expenses. When I asked agent to provide me to which terms and conditions she referring to, I was told she does not have any, and it 's up to her to Make up the rules. In addition, she hang up the phone after she was not feeling comfortable with me quoting terms and conditions where she is clearly wrong.
Product: Credit reporting or other personal consumer reports

I continue to contact them through mail to correct and remove accounts that arent supposed to be on there they just send me stall letters or ignore me
Product: Credit reporting or other personal consumer reports

Experian absolutely insists the information they have on my credit report is correct even after I submitted documents showing my actual identity. My credit report states that I live in a city I have never been to before with a last name I never had and a bunch of loans and credit cards I never applied for. Even my social security number is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing to delete the following information in my file. The items that I need deleted are listed in the attached file. I am a victim of identity theft and did not make the charges reported. I asked that the items be deleted in order to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have an enclosed copy of the XXXX XXXX. Please remove the items as soon as possible. Thank you.
Product: Debt collection

I've contacted this company on several occasions to inform them that this account is fraudulent and doesn't belong to me. I've even requested that they properly validate this alleged debt, but I have yet to receive any type of documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.