23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

According to 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please remove this item IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 US code 1681b - Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I'm demanding that the listed accounts be removed IMMEDIATELY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 an account without my written instruction 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 XXXXXXXX XXXX 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated XXXX party this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agency are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Consumer Loan

XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, XXXX, and Equifax have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Product: Credit card

On XXXX/XXXX/16 I went to XXXX Macy 's Store, I went about my business shopping and being the frugal shopper I was checking out the sales. I approached the associate to pay my bill when to my surprise she said your account is close, I said you got to be kidding me. With the upset look on my face the senior agent next to her said to call their CSR. She was told that my account was closed because I did not pay XXXX, she put me on the phone with the csr agent, and she said a statement was sent, I told her I never saw one nor a phone was made to me. 

I was told to restore my account I have to pay this, which I did, but due to this they have reduce my credit line from XXXX to XXXX all because of XXXX. Now I am a very good paying customer. 

However from XXXX I have just received the statement she reprinted and mail. 
The purchases I made that day was {$100.00}, which I paid. Then I saw a watch for about {$60.00} on sale andI bought it. However I had to return some of the clothing due to fitting reason, which will take care of some of the charges on the watch, and then I paid the difference of {$11.00}. 

However when I logged onto my macy account TODAY XXXX/XXXX/16, they had the nerve to charge me {$2.00} in interest, ****it is not over a month and they added interest*****. 

However I called their billing department to complained and the agent was will waive the {$2.00}, principle matters to me, if Macy have their system to cheat and nickel and dime their customer that is ****NOT RIGHT*****. 

If you do a search with my purchases at macy, you will see all payment made on time and in big chunks of funds. 

What I want to see ****is my credit line restored back to where is was*****. 

All this for XXXX, also I am considering in closing my revolving account with them, if they do not take responsibility of how I was treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my XXXX, Experian and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Product: Credit card

On a recent visit to my local Wells Fargo branch -- where I only wished to have my PIN updated on my debit card -- I was " offered '' the opportunity to apply for their Wells Fargo XXXX XXXX card. Though I was n't particularly interested, the branch agent stressed how the XXXX card would offer a great chance for a " lot lower interest rate than your other cards '' which I had said averaged 13.6 %. Fine, I thought, and applied right there through the agent who was entering my application on his system. 

A few days after the application was made ( with a credit score of XXXX and a verifiable income of {$80000.00} ) my online banking Wells Fargo account added the following card to my account list:1. Wells Fargo Platinum ( not the XXXX card the agent said I was applying for ) 2. A credit limit of {$50000.00}. An interest rate of 22.5 %, following the 0 % interest 15-month grace period. 

In short, I was bait-and-switched by the branch agent on the product I was applying for ( no mention was EVER made that I was applying for or might be downgraded to a different product ) ; the likely amount on the credit limit ; and the interest rate ( that is nearly double any of my other cards ). 

After first contacting the agent ( a XXXX XXXX XXXX to voice my complaints, I was pushed up the ladder to an XXXX XXXX, the " Regional Banking District Manager, Vice PresidentXXXX Colorado - XXXX ''. XXXX assured me that he would look into the matter, and that he would be pushing the case further up the line. A few days later, I noticed that the account 's credit limit had been increased to {$14000.00}, but the account remained a Platinum card account with the 22 % + interest rate. Once again, this was offered to a long time Wells customer ( 20+ years ) with a XXXX credit score and verifiable income. 

I next received a call from Wells " Premium Card Services '' and was abruptly told by an agent named XXXX, " your card will remain a Platinum with 22 % interest rate, and no, there is no one else to discuss this with because how we have arrived at that decision is confidential ''. 

So that was it : bait-and-switched by Wells Fargo with no further explanation, and taking the hit on my credit report for making the application in the first place.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETED the account, or inaccurate information, from my file immediately & send me the results to the address. 

XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX 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 instructio
ns
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my Equifax credit file. Per Equifax, this account is valid per XXXX. This is not my account and this collection is causing a major detriment to my credit file.
Product: Mortgage

Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX I am a new immigrant to the united states of America and Im coming to you for help on the below situation. I spoke to Equifax on XX/XX/XXXX latest and earliest XX/XX/XXXX and inquire about removing unauthorized inquiries in my credit report. I have filed an FTC report reporting identify thief, and also a police report. Equifax has not been able to fix my problem and I'm trying to stay positive to provide for my family during the covid19 crisis and this is not making it any better, as we are in the process of  buying a home and these unauthorized inquiries are keeping us from that. Please see the below and remove all of them. 


XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( I Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Report Information Dear Experian Dispute Department, I am writing to dispute inaccuracies on my credit report, which I have previously brought to your attention without satisfactory resolution. The errors on my report remain unresolved despite your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to ensure the accuracy and completeness of consumer reports. 

The issues include : XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned that my experience mirrors the systemic issues identified in the recent CFPB lawsuit against Experian ( XXXX XXXX XXXXXXXX ). Specifically : Experian has failed to reasonably reinvestigate disputes or provide clear results, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Consumer-submitted documentation was ignored or improperly conveyed to furnishers, as highlighted in the CFPBs findings.

Notices of reinvestigation results are incomplete, ambiguous, and fail to identify specific updates or deletions, leaving consumers in the dark.

As a result, I am left with an inaccurate credit report that unfairly damages my financial standing and access to credit.

Requested Action : 1. Conduct a thorough reinvestigation of the disputed items and forward all relevant information, including my documentation, to the furnishers.

2. Remove or correct any inaccurate or incomplete information.

3. Provide a detailed written explanation of the investigation results, including the specific changes made or reasons for denial.

Failure to comply with your obligations under the FCRA will leave me no choice but to escalate this matter by filing complaints with the CFPB and other regulatory authorities. 

I expect a written response within 30 days, as mandated by federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.
Product: Credit reporting or other personal consumer reports

Please remove any hard inquiries and fraudulent accounts off my credit profile from XXXX, XXXX, Trans union immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX & XXXX, I Have no knowledge of this Account XXXX XXXX XXXX XXXX XXXX XXXX, I DO NOT OWN THIS ACCOUNT I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab XXXX! 

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 an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account Coast XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} One Thousand Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Debt collection

I have complaints with Sunrise Debt Collection with repeated phone calls after I tell them to quit calling they will use any number they can to keep calling me because I block every number they call me from. I asked if I owe a debt they will not tell me they just ask if my name is such and such. They harass me everyday since XXXX-2024.
Product: Student loan

The servicer of my private student loans is not applying my payments correctly causing my loans to default
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized information was use to these companies and will like them remove I did not give my information to these company for use.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXXe XXXX . XXXX XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an incorrect BALANCE on my XXXX credit card and an INCORRECT CREDIT LIMIT on my XXXX credit card.