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

XXXX XXXX, Account XXXX XXXX XXXX and Account Number XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

I have tried to close this account several times without success. A few months ago I received a bill for a {$59.00} member fee. I called and let them know I dont have an account. On XXXX/XXXX/17 I spent over 30 minutes on the phone and still was unable to close this account. Now with fees and interest they want {$120.00} for a card I have not used and considered dead for a long time. How do I make this stop? I dont even know the account number except for the last four digits that come on the statement, XXXX. I have also filed a complaint with the Michigan Attorney General, XXXX.
Product: Mortgage

This is in reference to the case - XXXX, which was closed unsatisfactorily. The letter from XXXX XXXX on XX/XX/XXXX on page -1 states that " Notices were sent to allow you sufficient time to secure coverage on your property ''. I don't believe any notices were sent in year XXXX. Wells Fargo failed to notify or forewarn the consumer on lapse of the home insurance and placed a forced insurance in XXXX, which was three times more than the prevailing rate at that time.Wells Fargo mortgage lending practice has been nothing but unfair and unethical. I am deeply unsatisfied how Wells Fargo ' customer service addressed my complaint. They failed to bring a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}.
Product: Credit reporting or other personal consumer reports

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed please, thanks. 

XXXX XXXX XXXX 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/year>
Product: Student loan

I am XXXX XXXX XXXX and have had a student loan on my son for about 16 years now and I pay back on it regularly. I now owe 'more ' on the loan than the original amount borrowed. The way interest is applied to the principle makes it go down very-very little. I have tried numerous times to work something out, but to no avail. At this rate I would die before the loan is paid off. What good would this be for anyone. Would n't it be more beneficial to have payments doable for the borrowers and have the loan totally paid off??? Also, the monthly payments are not doable for me as I am now fully XXXX and managing on a fixed income. I have served my Country in the XXXX XXXX for over 10 years and have been a XXXX for over 15 years. All this is to no avail on my behalf from any of the repayment plans on this Student Loan Program I request the loan be more doable to me to repay. The College Loan programs need to take a serious look to reduce debt in a more doable way as currently it is not doable for most Americans. There has to be light at the end of the tunnel on student debt. I do not see how the current college students will ever be out of debt at the current rate of interest being charged and the way it is applied to the principal. 
If we want the youth of America to receive College Degrees XXXX in order to be able to compete in the world employment markets something needs to be done now! 
But again as for 'me ', I would like to get my loan payments reduced, interest rates reduced and ( so to speak ) light at the end of the tunnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX During The Evening It Was Brought To My Attention That Suspicious Transactions Were Made On My Bank Account That I Wasnt Made Aware Of Or Know Of
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of XXXX and the months of XXXX and XXXX of XXXX it shows on my credit report I have missing payments as well as the whole year or XXXX nothing is being shown throughout that whole time I was on a forbearance program with federal student loans during that time I was unemployed and I explained that to the representative thats why I went on a special program so I didnt have to make any payments I just want those late payments to be changed because I was never never on any payment with fed loans
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality.

Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. 

Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information.

Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : Transunion XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 's reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to manager XXXX in the customer success department. She assured me on XX/XX/2020 that both XXXX and XX/XX/2020 ( Which I have in writing from XXXX XXXX late fees will be removed from my credit report effective XX/XX/2020. I noticed within a few days from XX/XX/2020 the late fees were removed and they then returned again. I sent out another email asking for a phone call from XXXX which I still have NOT received a phone call from anyone from this company yet explaining the issue and when I can expect the LATE FEE to be removed from both XXXX and XXXX. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS As a consumer I expect Possible financial to stand by their word and remove the late fees for XXXX and XX/XX/2020 as agreed by XXXX on XX/XX/2020. The company expects on time payments and I expect and trust that XXXX or the management staff at Possible Financial to be held accountable for the word. I need these Late Fees removed immediately from my report, I will not give it another month ... They need to have it done rapidly with in days of receipt of this letter THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Please REMOVE the LATE FEE as agreed between XXXX and I on XX/XX/2020. Immediately
Product: Bank account or service

2 1/2 years ago I submitted a withdrawal request to Wells Fargo and I have yet to see my money. I was stupid enough to invest in the 401k plan that was offered by my employer XXXX and I have been lied to repeatedly. I have compained to everyone from the XXXX to the DOL to the FCC and everyone seems to think it 's ok for me to be treated like this. I realize what a fine upstanding crew they have over there at Wells Fargo but I 'm feeling slighted for some odd reason. I mean if I had their money and would n't give it back you can bet they 'd be collecting interest at the rate of about 25 % not to mention late fees in the amount of XXXX dollars a month. This is criminal behavior and I would like to see some type of action taken before I lose it all due to plummeting stocks thanks to the integrity of Wells Fargo.
Product: Checking or savings account

Chase Bank unfairly closed my checking/savings account about 3 years ago. 
I had over {$4000.00} on it, plus my stimulus checks were also sent to this account. 
I try probably dozens of times via phone or at one of their physical locations. At first I was told the issue was gon na be resolve within the week by one of their representatives. Later I was told my account was going to be permanently closed but that I will be receiving a check on the mail with the amount of money I had in such account. Finally they have been telling me that the account is under investigation. This investigation has lasted more then 3 years. Chase bank practically stole all my money for no reason at all. For someone of a low income this has affected me greatly, both financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXXXXXX XXXX/Experian/XXXX  I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
2 Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX XXXX continue to report an allege debt that I do not owe. I have previously disputed this same account and they have claimed to validate the information but failed to provide me with any evidence to the contrary. This is my final ask to get the information sent to me so I may inspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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

CFPB- I'm not happy with TRANSUNIONS efforts on this matter I shouldn't have to keep repeating myself. Again I fell behind and couldn't afford to make the monthly payments on the credit card due to the XXXX XXXX When Ioat my job my family and I had to stay in a shelter, so you think this is something I want to talk about no. Once I found a job I called and resolved the debt on XX/XX/2023. I'm not happy because TransUnion is holding this account over my head purposely so that I won't be able to obtain a mortgage. This is my last conversation. Next I'm moving forward with legal action enough is enough.
Product: Credit reporting or other personal consumer reports

Please take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I became aware of an account that was opened with the fraudulent use of my name and SSN. This account originated at XXXX XXXX XXXX in XXXX XXXX XXXX, Nevada, as a lease agreement with the owner of the account being XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. The original account number was XXXX, opened on XXXX, XXXX. This account was purchased by Lewis, McDonnell and Associates on XX/XX/XXXX, and the account number was changed to XXXX. Because I was not, and have never been, associated with the address and phone number used by the person opening the account, I didn't know anything about it until it showed up on my credit report. I have had an active fraud alert on my credit reports since XXXX, XXXX, as well as a credit freeze, so it is apparent that no credit check was run. I initiated a dispute with XXXX on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. I also notified Lewis, McDonnell and Associates that this account stemmed from identity theft. I have filed a police report as well, and will be sending copies of that along with proof of identity and residence to Lewis, McDonnell and Associates, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to contact experian/XXXX / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
Product: Debt collection

Lloyd & McDaniel PLC attorney, XXXX XXXX XXXX filed a writ of garnishment on me for a XXXX  XXXX XXXX that was dismissed in XXXX. They failed to notify me by first class mail within 5 days of the filing. They did not attempt to have me served with the writ at all. They had XXXX $ taken from my check through my employer without even notifying me of a debt, receipt XXXX through XXXX XXXX XXXX XXXX. They failed to provide me or the court with a copy of the judgement they say they were awarded XX/XX/2018. They mailed a large envelope of another person 's legal matter to me by accident in XXXX. They are harassing me for a debt that was already dismissed and failed to follow the fair debt collection practice act. This was published on our courts website as a wage garnishment and it's not accurate. They're deceptive collection practices are unlawful and violate my rights. The bottom of the attached file states they would notify me by certified mail within 5 days and they failed to do so. An attempt was not made to notify me at all.
Product: Credit reporting or other personal consumer reports

XXXX was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the Pandemic I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called XXXX now, 3 years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by XXXX.
Product: Vehicle loan or lease

The car that I had financed through Exeter Finance was deemed a total loss by XXXX XXXX. XXXX XXXX only paid off what the car was worth at the time which was only {$5200.00}. They said the car was not worth any where near what Exeter charged me for it. XXXX XXXX said that Exeter has been sued several times for price gouging. I asked for help with the balance or even forgiveness, they refused. Now I have a {$12000.00} balance plus fees on my credit. Im a veteran and cant even buy a home due to this. Please help!