23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX U S DEPT OF EDXXXX {$1000.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX XXXX-Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$2300.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX-Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$3900.00} -Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Inquiries : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Kindly update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Experian address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts :  Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX   Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX  Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : PXXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau and Experian I am writing to file a complaint against Experian concerning formally ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to Inquires ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite supporting documentation that substantiated me claim, Experian indicated they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of [ Name of Credit Reporting Agency ] may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Experian through Certified Mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Experian is held accountable for its obligations under the relevant statutes.

Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.
Product: Debt collection

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to Credit Collection Service. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The original creditor 's name and contact information. 
XXXX. The original account number associated with the debt. 
XXXX. The date the debt was incurred. 
XXXX. The total amount of the debt, including any fees or interest. 
XXXX. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report and discovered an unfamiliar account from NCB Management Services holding Account number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XXXX XXXX via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be made up, unauthenticated and unverifiable. I followed up with a Notice of Opportunity to Cure sent XXXX XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XXXX XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that a full response was made by sworn affidavit. ( documents attached ) As it has now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XXXX XXXX. Documents was delivered and received by wet ink signature on XX/XX/XXXX, XXXXAll documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report to credit bureaus. Company has also failed to report disputed debt with credit bureaus. Company has demonstrated two violations as per the FDCPA section 809b. I am asking for immediate attention regarding this matter as the unverified debt is a result of potential fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take one or two others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.
Product: Credit reporting or other personal consumer reports

LexisNexis I am asking once again for the truth regarding whether or not your company obtained a XXXX  XXXX bankruptcy bearing my name and sold it to the credit bureaus. I also disputed this issue in XX/XX/year> therefore that bankruptcy should have been deleted from my file by XX/XX/year> but now your company is stating that it was removed XX/XX/year>. I hope that your company will be mindful of the fact that I am not going away until this is resolved and my Credit Reports are restored. I am asking that LexisNexis along with the credit bureaus remove the XXXX  XXXX bankruptcy from my Credit report within 7 days of receiving this complaint.
Product: Checking or savings account

They refuse to pay my overdraft fees they XXXX get me 4 times this month
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Money transfer, virtual currency, or money service

On the night of XX/XX/XXXX around XXXX I received several missed calls from a number tagged " Wells Fargo XXXX '' The number was the same service number as on the back of my bank card. Earlier in the week ( XX/XX/XXXX ) I was informed that my account information may have been compromised and I was being sent a new card ( see attached picture ). The information about the new card/account information being compromised was legitimately from Wells Fargo . When I finally picked up the call on the night of the XXXX, I was told that there were fraudulent charges pending on my account due to my account being compromised and that I would need to use my XXXX account to transfer the money back into my account. The amount was for {$1000.00}. The person on the other end seemed to know how much money was in my account, that I was with Wells Fargo and that my account had been compromised. I dont know how this person could have access to that information unless they are affiliated with Wells Fargo .

In order to transfer the money back into my account I only had to read a code from my text message to authorize money being sent back to myself/stop the pending fraud charges. 
I realized very quickly that the money had been taken from my account only with the code I read aloud. The money was transferred to someone from XXXX XXXX XXXX XXXX XXXX XXXXas shown in my text messages after the money was taken from my account. 

I contacted Wells Fargo immediately ( within 1 minute after I hung up ) to see what could be done. They immediately recognized the scam/fraud and said that it had happened a lot that night. They called it a fraud, but later denied my claim and denied that it was a fraud, saying I authorized the transaction. I was coerced into giving information ( code from my phone ) which I was falsely led to believe was stopping a pending fraud charge. 
Wells Fargo made a report, but have not returned my money that I lost -- {$1000.00}. They have opened and closed the claim multiple times, but I have not given me my money back. It is closed now. I believe I am covered under regulation E and I am asking for help getting my money back. Thank you for your help in this stressful time.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : XXXX XXXX ( Bank ) XX/XX/year>, XXXX XXXX ( Bank ) XX/XX/year>, XXXX ( XXXX ) XX/XX/year>, XXXX  ( Finance ) XX/XX/scrub> XXXX XXXX  ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I was charged for an autorenewal by XXXX XXXX, for XXXX. I was not provided with prior notification that they would be autorenewing the subscription prior to the charge and when I attempted to cancel on XX/XX/XXXX when I was notified by them that they were autorenewing. I had not used the service in over a month. I did not receive prior notification about the renewal via my text messages, email or in the XXXX app itself prior to the charge being made. 

On XX/XX/XXXX I contacted XXXX XXXX with XXXX customer support who refused to reverse the charge. 

On XX/XX/XXXX, I opened a dispute with Chase over the unauthorized transaction. Chase opted to consider it a valid charge in spire of FTC guidance that companies are required to send notices prior to charging customer cards. 

XXXX XXXX XXXXsubscriptions I received no benefit from the payment, nor did I authorize it. I would never have created the account had I been informed ahead of time that there would be no notice provided prior to a renewal in light of the company not providing partial credits for canceling prior to the end of the subscription.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. However, I have no association with this creditor and did not authorize this inquiry these inquiries do not belong to me.
Product: Debt collection

send a large amoun t to JC Penny o m  XXXX   XXXX  of {$1100.00} dollars. Which they did n't decrease my total balance, also still have me pai d cash advance fe e which it was very small balance that could had been paid off with the large amount the interest amount was incorrect, also sent them a {$170.00} payment om  XXXX   XXXX  which the respresentative call me on fromthe Bank to pay, also explain to him what was going on and stated I have an attoney looking into this the respresentative ask for the name and phone number ofthe attoney but have not call him.
Product: Mortgage

Greetings Senators XXXX, I write asking that you assist the XXXX XXXX  to access mortgage lending opportunities. Rates are so remarkably low, to attract the attention of all, UNFORTUNATELY, self employed are shut out. I am the XXXX XXXX of my XXXX XXXX and am considered XXXX XXXX with a 4.375 % fixed 30 ( 6 years old ) ( $ XXXX mortage, {$1.00} XXXX equity, XXXX XXXX  ). I am told anyone with more than 25 % of an XXXX XXXX is considered XXXX XXXX  and banks are not lending to XXXX XXXX. The US mortage market needs help senator. Your consideration of this matter is much appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my aisputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate XXXX XXXX XXXX For {$380.00}, {$890.00}, and {$2500.00} and XXXX XXXX XXXX {$1300.00}.
Product: Debt collection

This complaint is for USAA debt collection practices. I sent USAA & the 3rd party collection agency they hire a do not contact letter regarding my XXXX charged out accounts usaa will ignore my letter and when the collection company has to stop by law USAA will transfer the debt and a new collection company will start harrasing me again through another " 3rd party '' USAA truly sucks and will not stop and continues to transfer the debt and updating the date on my credit report to keep it on longer.
Product: Mortgage

We have been having a problem with a mortgage Modification loan with GMAC Mortgage, Owcen Loan Servicing and XXXX since XXXX/XXXX/XXXX. Yes some three and one half years. I have experience misdated letters, miscommunications, multiple relationship managers, 4 approvals for a loan and mortgage amounts and loans which did not match the information I was given by these companies. Since this has been dragging on since XXXX we have had to incur some {$88000.00} of interest and fee 's we believe needs to be credited on the loan by Owcen Loan Servicing, LLC. They are now trying to schedule a " Trustee Sale '' for XXXX/XXXX/XXXX even though they have a new packet ( application ) in review which is a violation of The federal governments Affordable modification Act. I have just sent all companies concerned a demand letter asking to have the " Trustee Sale '' Cancelled upon pending application review and to send us a certified letter no later than XXXX/XXXX/XXXX resending that sale. We are in receipt of all communications with these companies, expanded summaries of the situation and a " TIME LINE '' upon request. Our HUD/XXXX Representative from XXXX XXXX - XXXX XXXX XXXX suggested we file this complaint with your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday.XX/XX/XXXX I received a XXXX XXXX XX/XX/XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XX/XX/XXXX hasn't updated and remove the Derogatory Remarks of XX/XX/XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XX/XX/XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a US XXXX XXXX  Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as Experian deleted the bankruptcy from my credit report.
Product: Mortgage

I am attempting to obtain the XXXX form from my mortgage company in order to file my XXXX taxes. Capital One was my mortgage company for close to 10 years until XX/XX/XXXX. In XX/XX/XXXX they sold my mortgage to " XXXX XXXX XXXX ''. The new company can provide XXXX information only for XX/XX/XXXX to the present. They told me I need to go back to Capital One for any information I need before that date. 

Here 's the problem I'm confronted with. Capital One completely erased any information related to their mortgages off of their website so any mortgage information you want to obtain before XX/XX/XXXX is gone. Capital One no longer has anyone I can contact to ask any questions about my mortgage. The only Phone number ( XXXX ) XXXX has a recording that tells you there is no one available to help you with mortgage questions. You need to write a letter with any questions to a P.O.Box. 

Capital One XXXX XXXX XXXX  XXXX, Minnesota XXXX The recording states they will send out XXXX forms by the end of XX/XX/XXXX. I did not receive the XXXX. If I write them a letter at this point I do not know that I will receive a XXXX in time to file my taxes by XX/XX/XXXX as there is no one there I can contact. 

In addition Capital One paid some taxes for me in the amount of {$2300.00} for XXXX in XX/XX/XXXX. They charged me {$3200.00} in XX/XX/XXXXfor taxes. I want to know the reason for the discrepancy and get an accounting because I do not have an escrow account with them.