23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, 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 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theit, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit card

I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I have opt out of all promotions stop leting me get offers or my credit shared or sold after opt-out on all offers
Product: Credit reporting or other personal consumer reports

Experian credit reports has copies. CFBP complaints l. Have already disputed accounts received. Letter. To removed these companies replaced them back shortly after XXXX my disputes what the reason for disputes is this a game Next level. I'm hiring attorney from veteran affair. Whom goin to request punitive damages. Due to continued denial. For credit. THIS FINAL COMPLAINT What the purpose for fraud Alert.? These credit bureau don't honor what purposes. to keep call center with Jobs? my credit report.has gotten worse after make payments on time payin them off. Credit rating hasn't never went above XXXX Experian has computer glinch. On my file .Soon it closes it finds. Any reason to increase my credit scores Seems has gotten worse through years Just to continue on going disputes .l have copied letters of Experian disputes.. 6 weeks. I get copies my credit report. Then received letters that these same accounts been deleted. Month. Later. These creditors be-in replaced back on my credit report after dispute. XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  was removed XXXX.. I copied report. Now been replaced. XXXXompany Name XXXX. Was deleted now replaced. Back on my credit .report, company name. XXXX XXXX.  Account.. Was paid off. never Been Late. I have copies letter. Letters show no late payments.. Sent copy to credit bureau my account. Credit scores. Have decreased. My. Inquiry. Has went. Up. I reported same complaint CFBP. XXXX.. Has. Gotten worse. Experian, XXXX, XXXX. Needs to have adit. FCRA needs to start penalize investigations credit bureaus. Due to they are not following rules guidelines. Allow these companies to fraud place incorrect information when suppose be immediately removed .after it has been granted. Deleted Credit bureau not suppose to replace this back on your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiry XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2 , please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & # XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you initiate an investigation into XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX  Date inquiry XXXX XXXX Date inquiry XXXX XXXX XXXX XXXX Date inquiry XXXX these inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above.
Product: Debt collection

The aforementioned XXXX XXXX agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX XXXX which it was received on XX/XX/XXXX. In this letter I requested Experian to submit verifiable proof since these are unverified bankruptcies. Experian sent me a response datedXX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' On XX/XX/XXXX, I mailed Experian another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Experian sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' Experian has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filed a complain against Chase Mortgage on XX/XX/XXXX. Before I filed the complain I contacted them approximately one week before. I began getting disturbing letter from them. Attached are some of the letters. I feel that they are harrassing me because of the complaint. I have never gotten any letters like this before from Chase Mortgage before. I did not ask them to sell my house I never asked them for a loan. I do not know anything about a short sale. I did not call them in regards to anything remoting pertaining to that. I was called by XXXX XXXX XXXX XX/XX/XXXX the evening of my complaint and she asked me questions about the situation and I responded to them she told me that she will get back with me on XX/XX/XXXX but she did not call me back. I received a call from her XX/XX/XXXX, she told me that she found documentation to show that chase paid off a {$19000.00} credit card loan for me in XX/XX/XXXX. I told her that did not happen and I have never ran up a credit card for that amount of money in my life and that I only have XXXX credit card. She said that I may have forgotten that I did and I may want to pull my credit report because it shows that on my credit report. She told me to call my bank the XXXX XXXX credit union because my credit report shows the pay off. I told her it was impossible and I have never put that much credit on my credit card in my life. She continued to insist that I did it and can not remember I felt that she was forcing me to admit to something that I did not do. I am not sure why she pulled my credit report because I did not give Chase permission or authorize them to do. I asked her to fax a copy of the documentation that she discovered but she refused to do so and told me that she had no way of faxing or e-mail ing this information to me and she would send it in the mail to consumer protection. I am very concerning about this kind of behavior especially having my mortgage loan with Chase. What type of people are they giving access to my information? She kept asking me if I had documentation for the loan and I kept telling her no otherwise I would not have called them. This harassment must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX to potentially buy a used car, a XXXX XXXX. I was approached by a salesman ( XXXX XXXX ) and gave me more information on the vehicle. I advised the XXXX XXXX that I have pre-approval from XXXX XXXX XXXX. XXXX XXXX advised me that XXXX is one of the lenders they typically use and the can view my pre-approval. I advised him that I did NOT want to have my credit pulled, because I don't want any other hard inquiries on my credit report. He then stated that with my pre-approval, that wouldn't be necessary. I then filled out some information about me and my wife to move further in the process. After the paperwork was complete the XXXX XXXX advised the business manager / finance ( XXXX XXXX ) to review and submit paperwork to blucurrent for finance approval for the car. XXXX denied the submission, I was then advised to go to XXXX to see why and if the denial could be changed. I went to XXXX and was advised by my loan officer that the asking price exceeded the value of the vehicle and they would be unable to finance that vehicle. On my way home I contacted XXXX XXXX  XXXX  and advised my XXXX XXXX that I would be unable to buy the car. A week later I receive a new loan application denial from XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX submitted an unauthorized loan application, I gave specific instructions NOT to run my credit or submit a credit application. The information I gave was specifically to look up my pre-approval.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am hereby requesting reimbursement from Wells Fargo Wells Fargo Home Mortgage engaged in a pattern of unfair and deceptive practices including but not limited to : 1 Evaluating homeowners for mortgage modifications while simultaneously 2 Initiating foreclosure proceedings on them. 
3 Loan Modification Denials 4 HAMP Violations 5 Misrepresentation 6 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices. 

7 Wells Fargo had obstructive practices designed to avoid reasonable modifications to loan terms by burying XXXX in paperwork and creating bureaucratic delays and dead ends. 

Negligence telling you that your modification documents were lost or never received by the lender or telling you that you qualified for a modification but then later forcing you to apply again. 
XXXX telling you that your modification was denied after a long wait. 
8 There were Irregularities in the servicing of your loan Wells Fargo miscalculated the mortgage payments.

9 Wells Fargo failed to discharge their required loan modification obligations, and related unfair and deceptive practices 10 Wells Fargo failed to perform proper loan modification underwriting. Wells Fargo failed to gather or lost loan modification application documentation and other paper work 11 Wells Fargo failed to establish adequate processes for loan modifications ; 12 Wells Fargo failed to respond to XXXX inquiries in a timely manner 13 Wells Fargo provided false or misleading information to us while trying to refer loan to foreclosure during the loan modification application process 14 Wells Fargo provided false or misleading information to us while initiating foreclosures while we were in good faith actively pursuing a loss mitigation alternative allegedly offered by Wells 15 I suffered a lot of mental anguish, pain and suffering and lost my family. 
XXXX6 Damaged my credit under FCRA 17 Please remit {$20000.00} as part of my settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account of a car lease deleted off of my credit report that was paid off and closed! This account has since been reporting negative and delinquent information to my credit report and hindering my chances of being approved for anything. Since this account is closed and outdated while also being no longer collectible it should be deemed as not mines and removed immediately. I have already sent out a 3rd dispute on XX/XX/2023 by certified mail. All responses have been non compliant, I demand the deletion of this account immediately.
Product: Credit reporting, credit repair services, 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, US DEPARTMENT OF AGRICUL : # XXXXXXXX US DEPARTMENT OF AGRICUL : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXXays before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX