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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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

I agreed to pay off the debt from the debt collection company and did so. I have a paid in full letter showing that I did. I was told it would come off of my report after doing so and it is still there. I would like this deleted, it is currently a problem with receiving aid during this pandemic. I have attached the paid in full letter showing I held my end of the deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information.

2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXXXXXX XXXX XXXXXXXX 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.

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. 

I trust that Equifax, XXXX and XXXX will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe.

Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00}
Product: Credit reporting or other personal consumer reports

In accordance 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and Experian did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for XXXX months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court
Product: Debt collection

My credit report contains my personal information. And payment history with XXXX XXXX XXXX. Solely affecting my credit score.they have been reporting a consumer credit transaction report to XXXX since XXXX XXXX. XXXX XXXX was another lender who has violated consumer protection laws. I believe I am subject to a wide spread cyber attack due to all the other third-party companies who has access to my credit report. It has been more than XXXX different finance companies who accessed my credit report on XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX are all in violation of consumer law. I have tried multiple times to apply for installment loans and time and time again I was denied due to my credit report. XXXX XXXX XXXX has affected my way of living and put me in fear of my personal information being compromised due to them reporting my personal information and payment history and has affected the way I provide for my family. I can not apply for business loans or mortgage loans due to my poor performance on XXXX. Poor performance being things Congress states that doesnt suppose to be in my credit report in the first place. Before XXXX XXXX XXXX started reporting consumer credit transactions to XXXX my credit score was XXXX. I was not protected by consumer law. XXXX XXXX XXXX  even reported multiple addresses that are old or outdated.
Product: Debt collection

XXXX XXXX XXXX denide my identity theft complaint. They continued try and garnish me and take me to court. Have stoped any collection activity against me
Product: Credit reporting or other personal consumer reports

I just reviewed my Equifax and XXXX credit reports and it shows inaccurate and unauthorized accounts. Please see the dispute letters I sent to the Bureaus attached to this complaint.
Product: Credit card

Dear representative, I was scammed by XXXX XXXX. 
Found concert tickets on the XXXX website ( p. XXXX ), ordered tickets, and got a confirmation ( p XXXX ) : Youll receive an email with instructions and tickets from the original provider, not XXXX. Found tickets 2 times cheaper on XXXX XXXX. Tried to cancel the XXXX order, no cancellation only a sale on the same website. Tried to sell, but nothing to sell, tried to find from them where are the tickets and who is tickets provider, no result. A charge of {$830.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XX/XX/2023. 
Tracking # XXXX XXXX created a double scam ( p. XXXX ) : Send your tickets for sale, if you do not send charges will apply. 
A charge of {$300.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XXXX XX/XX/2023 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to FTC regulation Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.. 

https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges But the charge is still on my account. Please please help to correct this issue. 
Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

A payment was sent on XX/XX/XXXX for the amount of {$75.00}. The payment was sent with my bank online bill pay. The proof of payment stated that the credit card company received the payment on XX/XX/XXXX. I contacted the company on XX/XX/XXXX via email with an attached proof of payment. I did not get any response. I also began calling the company on XX/XX/XXXX. Their response was only that the do not show any payment recieved. I sent another email on XX/XX/XXXX with an attached proof of payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX  ( also known as XXXX XXXX ). This mortgage servicer has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is negatively affecting my credit score and financial standing.

The following issues are present on my credit reports : Inaccurate Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have never been late in making any payments. This is inaccurate and unjustly harming my credit profile. 

Incorrect Loan Details and Balances : After my loan was resold, the information reported by XXXX XXXX, including the loan balance and payment status, is inconsistent across all three credit bureaus. The balances shown on my reports do not match the actual outstanding loan balance, which I have confirmed with the lender. 

Inconsistent Reporting Across Credit Bureaus : The information provided by XXXX XXXX  is inconsistent on each credit bureau, causing confusion and further damage to my credit score. The balances and payment statuses are incorrect, and some details are missing altogether. 

I have already attempted to resolve these issues directly with XXXX XXXX  by [ briefly describe any attempts to dispute or resolve the issue, such as calling customer service, submitting disputes, etc. ], but the discrepancies have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  corrects these inaccuracies on my credit reports. I also request that XXXX XXXX  be held accountable for their failure to provide accurate information and for the damage caused by their reporting errors. 

Thank you for your time and attention to this matter. Please contact me if you require any further information or documentation to support my complaint.
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( previously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, putting {$25000.00} for down payment and borrowing {$31000.00} at 3.29 % from Wells Fargo Auto. On XX/XX/XXXX, vehicle was impounded at the XXXX XXXX 's XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, Stipulation for Settlement Agreement was signed between the City and County of XXXX, CO ( City ) and myself, the owner of the vehicle, to release the vehicle to me on XX/XX/XXXX avoiding trial. The Agreement featured an option for the lien holder, Wells Fargo, to retake possession of the vehicle as long as they signed an agreement with the City to not release the vehicle directly to me for one year. XX/XX/XXXX letter from from XXXX XXXX Department informing vehicle was ready for release at XXXX XXXX but only to the lien holder, Wells Fargo. 

On XX/XX/XXXX, I received written notice of Wells Fargo 's plan to sell my vehicle, pursuant to the original loan agreement provisions, which provided a reinstatement option of {$460.00} or a redemption option of {$24000.00}. Wells Fargo gave me until XX/XX/XXXX to contact them and make a decision otherwise the vehicle would be sold at public auction. I proceeded with the redemption option only to be informed that due to the stipulation found within the agreement I signed with the City, Wells Fargo could not release the vehicle directly to me. Being aware of the stipulation, I requested Wells Fargo to produce a copy of the agreement they were required to sign with the City for release of the vehicle. Since, the initial request on XXXX, no agreement has been produced and Wells Fargo continues to obfuscate and withhold information pertinent to this case. 

On XX/XX/XXXX, I spoke with a Wells Fargo premier lender who informed me that private sale to a third party was available for the amount indicated on the XX/XX/XXXX, {$24000.00} as the remaining loan principle. On XX/XX/XXXX I began the process of a private sale through a third party paying off the entire principle. The process was proceeding favorably until a Wells Fargo XXXX flat out informed sale to a third party was not available due to the legal stipulation. Nothing within the original loan agreement nor the agreement between me and the City precludes sale to a third party. And without a copy of the agreement signed between Wells Fargo and the City, there is no way knowing what was agreed upon. Wells Fargo also falsely stated that they would be able to keep all proceeds ( profit ) from the sale of the vehicle at public auction once the principle of the loan was factored in. That is demonstrably untrue and counter to the original loan agreement stating that all surplus from a potential public auction sale would be returned back to me. I of course would be responsible for the remaining principle of the loan should the sale price of the vehicle not meet or exceed what I owed Wells Fargo.
Product: Credit card

i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.
Product: Credit reporting or other personal consumer reports

In accordance 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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraud Alert and Credit Freeze on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do
Product: Checking or savings account

- XX/XX/12 XXXX -- I disputed transaction and nothing happened
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Trans Union credit report from XXXX XXXX on XX/XX/2023 that was not made by me. I contacted XXXX XXXX at the address on the credit report and asked why they had accessed my credit. They asked for a copy of the credit report showing the inquiry which I provided them. I was informed they would investigate the matter and respond in writing. Attached is their response.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information on my credit report held by Experian. On XX/XX/XXXX, I contacted Experian concerning the following incorrect information on my credit report, and as of this date, they have not responded. I am seeking to rectify these inaccuracies and request your assistance in this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request its immediate removal from my credit report. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has caused significant harm to my credit reputation. I recall a lower balance on this account. I request that your agency revises the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This erroneous account has likely negatively impacted my credit score. I urgently need to reach an agreement with my creditor regarding the incorrect data. I kindly request that your agency marks this account as disputed to prevent further damage to my credit score. 


Account Name : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$35000.00} This account is not mine, and I request its immediate removal from my credit report.
Product: Debt collection

On today XX/XX/XXXX a strange XXXX gentlemen showed up at my door with a box in his hand, Given I have an XXXX XXXX and the level of legal retaliation I am experiencing due to reporting every level of fraud possible, I was had a set of legal documents from a stranger who never asked me to sign, The box in his hand was small in nature and I thought it was a bomb. I began to panic, Please note we have signs to stay off of our premises. He was totally trespassing, It was a duplicate set of documents which were sent to me previously. It was from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX. Please note my street is gated and I NOW KNOW WHO provided this stranger with the code. There is a connect at the Bar Association who's relative lived on this street. This individual is basically retaliating due to 1. Me reporting him to the Bar Association 2. I also sent a second request to your organization for a copy of the contract I signed versus a forged contract he sent via CFPB. 
3. I have received threatening phone calls daily I am now forced to take intense legal action against him. 
Please note I fear for my life and this Attorney is harassing me because he was uncovered!
Product: Credit card or prepaid card

COMPANY STATED THAT ON THE FIRST PAYMENT MADE ON ALL CREDIT CARDS THERE WILL BE A HOLDING PERIOD BUT AFTER THE FIRST PAYMENT EVERYTHING WILL BE REFLECTED THE NEXT BUSINESS DAY. COME TO FIND OUT AFTER MAKING A LARGE PAYMENT THAT THEY HOLD EVERY PAYMENT FOR 10 DAYS AND I WAS LIED TOO ON A RECORDED LINE BY A CITIBANK EMPLOYEE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit card

I am requesting XXXX  XXXX XXXX benefits be applied to my account. I am XXXX XXXX and my home state of record is XXXX. Citibank has not applied XXXX XXXX relief to my account. XXXX with XXXX  protections apply our XXXX benefit no matter when I opened the products. I provided my XXXX, my contract, my state ID and orders. They have already denied my request once. Seeking assistance in getting this corrected.