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

W/F preferred continues to report inaccuracies even after Ive disputed and requested verification. I need to find out the unauthorized charges made. I have disputed with XXXX and XXXX but the furnisher will not correct. W/F even has been using an PO Box that my mail gets returned to sender and the phone number to contact them is disconnected. My rights have been violated and no one has corrected. Specifically, they violated FCRA : Articles 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 a1 thru 2. 623 a1 A thru E and 623 b. Furthermore, they violated Article 1022.43, as they failed to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made multiple complaints on the indivivudal bureau websites
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that creditreporting agencies still indicate my dispute of information in my credit report. As of todaysdate, XXXX Credit Bureaus has not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureau must complete their investigation within 30 days. Pleasecheck payment history, date open, last activity and Status of the following accounts thatwere reporting in error. 
XXXX XXXX Balance : {$0.00} ; DEPTOF EDUCATION/XXXX XXXXXXXX Balance : {$6700.00} ; DEPT OFEDUCATION/XXXX XXXXXXXX Balance : {$5100.00} ; DEPT OF EDUCATION/XXXX Balance : {$5100.00} ; DEPT OF EDUCATIONXXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX {$0.00}
Product: Mortgage

I have been a 12 year customer of Wells Fargo, last year I was forced to refinance my home ( in the words of my loan officer, Wells Fargo closed on my new home originally in XXXX with a Home Improvement loan that had a large balloon payment and was no longer a legal product ). Since I am XXXX years old I have been concerned about the future of my family and repayment of such a loan. In XX/XX/XXXX I was convinced by Wells Fargo to refinance, with a catch, that I would only need an escrow account for one year, so I was told. Up until XX/XX/XXXX I always paid my own taxes and insurance, never was late, never had an issue. In the past 2 years Wells Fargo has paid the wrong Home Owners insurance policy even though I tried to communicate that I had changed insurance carriers. When I questioned about dropping my escrow, the company declined, instead started sending me advertising in the mail about the importance of an escrow, and sending threatening letters as to how high they were going to raise my escrow in order to maintain one full year of escrow payments in advance in my account. When I asked to drop the escrow as I was promised, as it was written to me the company pushed back. I had to take Wells Fargo to the XXXX  just to get funds back after my escrow closing, the closing was not done properly, that is a very long story and can be told another day. I am at a point where I just want to pay my own taxes as I have for over a decade, yet Wells Fargo is doing everything to be non committal, CYA letters from the President, wait me out to see if I will go away, but I will not. I will take this complaint to the Attorney General if I am allowed. This complain will ultimately reveal alot of Well 's Fargo business practices that continue to come to light for me. Thank you for giving me a place to be able to voice my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian PIN does not work for unlocking credit freeze. 

I can't get Experian to temporarily lift a credit freeze. On XX/XX/XXXX I set up a credit freeze with Experian. I was issued a PIN to lift the freeze when desired. 

In about XX/XX/XXXX I attempted to get my credit freeze lifted for one time on their website. I used the PIN I was issued on XX/XX/XXXX. Experian said that the PIN was not valid. I then mailed in documentation proving my identity and Experian sent me a copy of my PIN, which is exactly the same PIN that I was originally issued. 

Today I tried to use my PIN to unlock my freeze for one week. The Experian website said that the PIN was invalid. I also called on the phone and an automated attendant told me I must send in many documents in order to get my freeze lifted ( after validating my identity and taking my PIN ). 

It seems that Experian wants to make unfreezing a credit report so difficult and impractical that no-one will ever want to freeze their credit report.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Opened account in XX/XX/XXXX. With {$1000.00} in purchases over 3 months we were to receive a {$200.00} bonus. Over 2 months we spent {$3000.00}. The account was closed in XX/XX/XXXX with no explanation and the {$200.00} bonus was not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and XXXX has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Transunion credit bureau. I was part of there system glitch that caused my inquires to be removed from my credit report. The law states that Transunion would have to notify me with 5 days to inform me that the inquires would be added back to my credit report. Transunion failed to give me proper notification and just illegally added them on my report. This is causing a financial hardship on me as I am in the process of applying for a home loan and with these inquires being added to my report it brought my score down which disqualified me for my loan. I have reached out to Transunion on several occasions and spoke with a XXXX and a XXXX. They did not want to remove the inquires after I stated that they were illegally added and some were fraud. This was not a mistake on my behalf so I should not have to suffer. This was a Transunion issue and they did not take the proper steps before adding illegal information on my report. My rights were violated by Transunion. I am requesting your help in resolving this matter and so Transunion can stop victimizing me. As a resolution I am hoping to get all of my inquiries deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Debt collection

I am filing a complaint against Plus Four for reporting an account on my credit report that I do not recognize. Despite my written request for validation of this alleged debt, Plus Four has failed to provide any documentation to substantiate it. 

Details of the Issue I noticed an account from Plus Four on my credit report on [ date ]. 
On [ date ], I sent a written request to Plus Four asking for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested proof of the following : The debt is valid. 
I am the rightful debtor. 
Plus Four has the authority to collect the debt.

Plus Four has not provided any response or validation but continues to report the account on my credit report, which has negatively affected my credit score. 
Violations FDCPA Section 809 ( b ) : Debt collectors must validate a debt upon request and cease collection or reporting activities until validation is provided.

FCRA Section 623 ( a ) : Credit furnishers must ensure that information reported to credit bureaus is accurate and verified.
Product: Credit reporting or other personal consumer reports

Consumer was sent debt validation letter on multiple occasions and was unable to provide me with accurate information. They are reporting incorrect information on my credit report without my consent.
Product: Mortgage

I had a mortgage with XXXX XXXX who put my loan into an escrow loan which paid my property and insurance premium. In XX/XX/XXXX I received a notice the taxes had not been paid on my XXXX 27X64 XXXX  Home located at XXXX XXXX XXXX XXXX XXXX SC XXXX. Map # XXXX. Taxes due on XX/XX/XXXX were {$380.00} which are now {$500.00} with the penalties of nonpayment. I have contacted XXXX XXXX and got a rep who informed me they had sold my mortgage and transferred it in XX/XX/XXXX and they did not have my escrow anymore. Since it was not longer under them did they want me to pay the taxes out of their pockets. Rude Representative for this company since they are the ones that did not pay my taxes. I contacted Faye Services the same day and was told they would look into it and call me back which they have not. I called Faye Servicing again when I received another late notice and was told the same thing. I called the XXXX Tax Assessor 's office and spoke with XXXX, she informed me the taxes had not been paid and that someone called on XX/XX/XXXX to inquire about them from the mortgage company. I called Faye Servicing today and spoke with XXXX XXXX the Acct Mgr, she told me she would check on it and call me back. Once again I have been told that again. I have now received a certified letter stating if the taxes are not paid by XX/XX/XXXX my home will be placed up for sale. This means that a Notice will be placed on my property for everyone to see that my taxes have not been paid. That will cause embarrassment to me and my family. This has cause loss of time from my job to follow up with Faye Servicing,  XXXX XXXX and XXXX County, I have also had to make unnecessary trips to the PO to sign for registered letters. This company has me pay {$340.00} monthly to my escrow account and they can not take time to service their customers properly to insure they do not loose their homes. Faye Servicing XXXX is the customer service #. XXXX is the Account Manager 's email address. Faye Servicing XXXX XXXX XXXX XXXX IL XXXX and Faye Servicing XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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

I sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My credit report lists two XXXX and a XXXX XXXX  XXXX account that contain numerous errors. Although these accounts were erased on other credit reports, Experian has purposely refused to remove them. I have contacted Experian multiple times through certified mail and online dispute to address these issues. 

To resolve this matter, I have requested the following documents and information from Experian : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigator 's report. 
I believe that with this information, I can prove that the erroneous details on my credit report are incorrect and should be removed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. 
On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. 
After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. 
Both banks closed my manageable accounts so that I could no longer print or view what had happened. 
Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. 
XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. 
XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. 
I have not received any mail in regards to my debt either from either company. 
I do not have my special equipment to receive or make calls so what can I do? 

Thanks. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/consumer on my Experian credit report. I recently retrieved my credit report and it showed 3 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

My first loan payment was XX/XX/XXXX and I paid more than required to lower my principal and cause less interest to be paid through the duration of the loan. There is no wording in the agreement that prohibits this. The company continued to add the additional funds to the next months payment instead of adding to to principal. For the XX/XX/XXXX payment the company provided a new user interface that did not allow me to change the amount I paid and forced me to pay the balance that included several months of credit that should have been added to the principal. I reached out the company and they said it was an error and it will be fixed but that I can only pay the balance and nothing more then resume with the regular payments. They are using " technical issues '' to force the customer to pay extra money making a payment over the phone while simultaneously not allowing the customer to pay to principal causing no decline in interest for the Westlake Financial. When I pointed this out, the customer representative said that it was being added to principal and the next month 's payment. I questioned how one principal payment could be added two places and he explained that I just needed to accept what he was saying and pay. I again reiterated that paying additional funds is not prohibited and forcing extra payments or blaming " technical issues '' to force the complete loan duration is illegal he replied " it might be fixed but just pay what's left and just the payment amount moving forward until their technical issues are resolved or pay the extra fees to pay over the phone. '' If this is actively happening to other people that is thousands a month Westlake financial will be getting by violating the payment terms of their vehicle loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

PORTFOLIO RC XXXX Balance Owed : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1.XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover 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.