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

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiry on my credit report that need to be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was flooded in XXXX, Texas on XX/XX/XXXX due to XXXX XXXX. I informed my insurance company and completed all necessary paperwork with GAP for my loan to be paid out and closed to Wells Fargo in a timely manner. 
I pulled my credit report XX/XX/XXXX and learned there was a charge of {$490.00}. In shock and disbelief, contacted Wells Fargo and asked why was I reported to collections. Wells Fargo representative stated after insurance/GAP was completed there was a balance for {$490.00} and it was not paid until XX/XX/XXXX. 
I tried explaining that in XX/XX/XXXX when XXXX happened I lost all my vehicles, XXXX included. I always submit payment on time and if I would have known there was {$490.00} pay off amount I would have paid it on time. 
I asked the representative why I wasn't made aware. Wells Fargo rep did not have an answer for me and kept telling me it is not Wells Fargo 's responsibility to inform me I have remaining balance. 
I asked then why did it take XXXX months to notify me. The Wells FARGO rep said he is not sure why it took XXXX months. Wells Fargo rep kept saying it is not their responsibility and GAP Insurance should have reached out. 
I said yes it is my responsibility but I also did not receive any mail or bill until XX/XX/XXXX which then I paid it off. 
Wells Fargo rep said he can send me a pay off letter and I can submit it to the 3 credit bureaus myself and he is not able to do anything since it has been 4 years and the loan is paid out and closed. The Wells Fargo rep also stated there is a miscommunication and in order for it to be resolved I would need to contact the creditors with the payment transaction and pay off letter I will receive from Wells Fargo. 
I am requesting for this negative reporting to be removed as it has been wrongly reported. I was not notified until XX/XX/XXXX - XXXX years later, that something I have paid for, to my knowledge, on time, was negatively affecting me. I sincerely ask for your help in reviewing and removing this. Thank you
Product: Credit card or prepaid card

Despite calling Barclay card, I was told they could not do anything to offer me relief on my upcoming bill due in XXXX. The credit card company won't work with me while I'm going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ). 

Due to COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?
Product: Checking or savings account

I have been dealing with a bank called XXXX XXXX which is through my school, XXXX XXXX XXXX. Someone got my card number and pin number and used it. I called the bank and advised of the fraud. I sent the paper work they sent me but before they received anything from me ( because I was told by the bank my paper work was Never received ) they denied the claim. I sent an appeal letter and is been a month no one has contacted me. I have been told many times someone from the fraud department will call me. I finally did receive a call where as soon as I picked up the call disconnected. The second call someone name XXXX leaves a phone number and a extension XXXX XXXX. I was able to call and leave a message. When I called again suddenly the extension is invalid. 
I called the bank today spoke with a supervisor who told me Fraud Department has recently changed how they handle disputes.Suddenly they no longer take calls, all calls are handle through the Escalations Department. I was told this is a recent change. All they will tell me is whatever is on the account they will let me know when I call of any updates or they will send something in the mail. It has been over a month of course there has been no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX, Experian, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, Experian, XXXXXXXX & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken.

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a charged off credit card reporting on my credit report for Discover ( card ending in XXXX ). I reached a settlement with them on XX/XX/2019 to pay a one time payment of {$7300.00}. In the settlement they stated that once the payment clears my bank account that they would consider this account settled for less than the full balance owed which was {$10000.00}. This was in a settlement from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$260.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023, nearly a week after declining their updated, fraudulent, terms of service Grain had charged me an {$80.00} annual fee which I had already objected to. After my objection I was locked out of their app so this fee is theft.
Product: Vehicle loan or lease

I am filing the claim in regards to the {$3.00} XXXX settlement with Wells Fargo Auto Loan for the " illegal activity. '' We have moved since having the loan so our address was not updated in their system. I have spoke with a representative at Wells Fargo and they were not able to tell me if my loan was part of the settlement. I did update my mailing address with them, but wasn't sure if they had already attempted to reach out to the old address and we did not receive it.
Product: Prepaid card

XX/XX/year> I tried to use my balance of {$40.00} on a purchase from XXXX XXXX. The online site told me the card was not good. I called the number for balance and found there was {$40.00} on card. 
I then called the number to reach an live agent to place the purchase and they too could not place the order. They too called to check balance and were told it was active and had {$40.00} cents available. This went on for 90 minutes. I numerous times asked to speak to " leadership '' and was never granted that request. The agent told me there was nothing he could do and leadership told him for me to put it on my credit card. I asked why i would do that when i had their gift card with {$40.00} that i wanted to us. At than time while on one telephone line with XXXX i called the customer service line from my other line, i was on the phone with XXXX for XXXX minutes They were unwilling to replace the card. They said i could make the purchase and that would leave {$12.00} on the card but could not tell me i would not have the same problem when i went to use it again. I said that was not acceptable and wanted a replacement card for the full amount. 
After XXXX hours of trying to purchase a {$19.00} item i just gave up. 
My husband heard the whole conversation and sent me your link. 
Nothing was resolved, they have {$40.00} cents of my money.
Product: Mortgage

My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section XXXX of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiry on my credit report as listed below. The inquiry was made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : XXXX
Product: Debt collection

Pursuant to : 15 U.S. Code 1692c, The Law clearly states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXXL XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX : Account # XXXX Opened on XX/XX/XXXX and a balance of {$1100.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) XXXX : Account # XXXX Opened on XX/XX/XXXX and has a balance of {$600.00}. 
REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO ID THEFT ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX  : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), Equifax ( XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), Equifax XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : XXXX XXXX According to my records this account is too old to be on my report and is obsolete. 

REQUEST : DELETE THIS ACCOUNT ***XXXX HAS SINCE DELETED THIS ACCOUNT DUE TO AGE XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), Equifax ( XXXX ), XXXX ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), Equifax ( XXXX ), XXXX ( XXXX ) Payment Status : XXXX ( XXXX ), Equifax ( XXXX XXXX XXXX ), XXXX ( XXXX )
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted River Valley Loans to stop withdrawing money from my account cause I was unemployed and was not able to pay the recurring weekly amount of XXXX off of a XXXX loan with 500 % interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on XX/XX/20 that my information was used to open a credit card at XXXX  XXXX XXXX. I immediately contacted XXXX  XXXX XXXX and was advised the account wouldnt be opened and that they would contact the credit bureau to have the inquiry removed. 90 days have passed and after being transferred multiple times they are unable to give me a timeline for when this fraudulent inquiry will be removed.
Product: Checking or savings account

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 
After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. 
I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side.
Product: Student loan

I attended a technical institute in NJ and took out a loan thru XXXX. I was sent to collection. Transworld Systems Inc has sent me an attempt to collect a debt. I am trying to pay my debt of {$10000.00} but they are charging me {$2600.00} as a collection charge. That is nearly 25 % of my debt. This seems outrageous for a struggling economy to charge that much.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX capital one auto finance XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre three hard inquiries which include XXXX XXXX via dealer, XXXX XXXX XXXX XXXX XXXX XXXX which were all authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone- XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX Ny XXXX SSN- XXXX XXXX that need to be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX