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

In XXXX I noticed an inaccurate bankruptcy record listed on my Experian credit report. This is completely false, as I have never filed for bankruptcy. I promptly filed a formal dispute with Experian to correct this error. In their response, Experian claimed they verified the information through a public records vendor, yet they failed to provide any documentation or proof supporting this claim. Additionally, despite stating that they contacted me as part of their investigation, I was never notified or given the opportunity to provide further clarification or evidence. 

This mishandling of my dispute is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. Experians failure to properly investigate this issue has left this false and damaging information on my credit report, severely impacting my life. 

This inaccurate bankruptcy record has created significant barriers to my financial growth and stability : Credit Denials and Increased Costs : The false bankruptcy has severely lowered my credit score, resulting in higher interest rates and outright denials for credit products such as loans, credit cards, and housing applications. I have been unable to secure affordable financing for personal or professional needs.

Professional and Personal Limitations : As someone actively working to grow my personal and professional life, this false information has hindered my ability to invest in opportunities, expand my business ventures, and pursue life goals that rely on accessible credit. This is particularly disheartening, as I have worked diligently to maintain financial responsibility. 
Emotional and Psychological Stress : The presence of this false record has caused ongoing XXXX and stress. It has made it difficult to plan for the future, undermined my confidence in financial matters, and created a constant fear of being unfairly judged by creditors or other institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violates my rights numerous of times. 
15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction.

15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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: Debt collection

I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.
Product: Money transfer, virtual currency, or money service

Hi I recently transferred my money from US checking account to XXXX checking account. When I initiated a wise transaction on XX/XX/XXXX, initial time frame was XXXX days, then wise send me an email stating that it may take longer and money will be credited into my account by XX/XX/XXXX. I have already raised XXXX complaint to them but no action instead they sent me another email that it will take even longer without providing any timeline. 

Money is deducted from my checking account and I am not yet paid in final account. I had done many transactions in the past and usually it never happened but this time as money was big, I am afraid that wise planning to keep the money. It has created a lot of mental stress to me, kindly look into the issue as soon as possible. 

My membership ID with wise is XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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 21 days before the payment due date. XXXX XXXX XXXX AND 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 21 days 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: Mortgage

I applied for a mortgage on XX/XX/XXXX which was denied because I chose conventional mortgage and was advised it should be a refinance because I am paying of a HELOC the previous owner ( now deceased ) had taken out. They said they just automatically declined it because the home value was higher than my intended down payment. 

I applied again XX/XX/XXXX and was denied because the loan XXXX XXXX XXXX XXXX, XXXX # XXXX pulled the wrong deed. I was never contacted about it, I just received a denial letter. When I explained that she had pulled an old deed, she said just to apply again. 

I applied XX/XX/XXXX and received an email that the amount i applied for was too high. But then later contacted and said that they accidentally entered the wrong tax information and could approve me but at a lesser amount ( XX/XX/XXXX ). I asked on XX/XX/XXXX to see the breakdown for the loan with rates and fees. I never got a response on that but on XX/XX/XXXX I got another denial letter. 

This is very frustrating and I am not sure what is happening with it. I just thought someone should know. There should be more contact/due diligence with a person who is trying to get a {$280000.00} loan on a {$1.00} XXXX + home with very good credit. 

I just opened my checking and savings accounts there and am in the process of moving my funds, but I am having second thoughts at this point. 

I went ahead and applied elsewhere and got the same rate and approval for the full amount. The process is flawed at State Employee Credit Union.
Product: Credit reporting

I believe I am a victim of fraud, the inquiries do not belong to me.
Product: Debt collection

On XX/XX/2021, I took out a payday loan in the amount of {$800.00} fully intending to pay it back. Due to recently contracting XXXX and being unable to work I have been unable to make the payment. A letter dated XX/XX/2021 was sent to them revoking the ACH debit authorization and requesting they do not contact me for collection purposes. They contacted me via text and I replied back, once again, requesting they do not contact me and that the ACH revocation letter had been sent. I also replied with a screen shot of said letter. They contacted me a second time AND tried to debit my bank account, not once but twice thereby causing further damage to my bank account with NSF fees, {$35.00} for each occurrence. A request was made in the letter for them to contact me via US Postal mail or email, not phone contact was permitted and they have not done either. Only contact was via text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact them to erase incorrect information since investigation took longer than 30 days
Product: Credit card or prepaid card

On XX/XX/2021, I received a targeted mail offer with a personalized invitation code, advertising that I, with a specific mention of my name, was already preapproved for the CC and offer. The offer was advertised boldly and prominently at the front of a XXXX airline miles after XXXX in purchases. 

I visited the link and put my personalized invitation code in and signed up. I spent XXXX in the given time and was not given the points. When I called they mentioned I was not given the points, they said I was not eligible for this offer because there needed to be 48 months between credit card offers, only 44 months had passed since my last offer. 

There was no mention of this at any point, from the application process, to credit card being approved and sent out, etc. 

When I complained on why they are sending out personalized highly targeted promotions to customers they know are not eligible, they mentioned they are aware of the issue, there marketing system is not linked with the application systems, and they have a software request to address this already. I was told they are sorry but nothing can be done.
Product: Mortgage

I am a XXXX XXXX victim, I have my mortgage financed with Wells Fargo and am trying to get an SBA loan to pay for repairs on my house due to flooding. I called Wells Fargo to ask how I get them the notification that I am obtaining a SBA loan and was told over the phone that I should take it to a location to expedite the process. I took it to a location the same day and was told that I should have faxed it and I could n't get it authorized at a branch. They faxed the document and I have been contacted by Wells Fargo twice that it was received but it has now been 3 weeks and I still do n't have an answer or the form so that I can move forward with the SBA loan request. I desperately need an answer so that I can start the process of recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report monitoring family plan with Equifax on XX/XX/XXXX to which I added myself, my husband and XXXX children. Later, on XX/XX/XXXX I added an additional child to my plan. Sometime earlier this year, XXXX I was notified that I had unusual activity on my report so I logged onto My Equifax family plan to monitor my information and then noticed that NONE of my children were listed on the plan. I tried adding my XXXX minor sons and was not able to, receiving this message : " You're taking steps to help better protect your family members. Because a credit file for XXXX already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. Please call our customer care team at XXXX and get started today ''. I then immediately called the number provided and was told that in order to add my children I needed to submit documents that verified my guardianship, including a copy of my children 's SSN, Birth Certificate, my drivers ' license and a cover letter stating that I am the parent of these children, including their full name, date of birth and our mailing address. I had to MAIL this information to XXXX XXXX XXXX, XXXX, GA XXXX. I mailed it on XX/XX/XXXX with confirmation that it was received on XX/XX/XXXX. When I called my equifax plan ( on several occasions ) I was told that the documents were not received and that the correct XXXX XXXX to mail information to was XXXX XXXX XXXX, XXXX, GA XXXX. I did NOT send the documents again because of my fear that NO ONE knows what's going on in this company and that my children 's identity is being compromised even more so with me mailing things to " non existing '' XXXX XXXX XXXX. I still can not add a child to my plan for which I have been paying {$29.00} a month for since XX/XX/XXXX. Nor do I know if my children 's social security is compromised and being used.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and do not belong to me. I demand immediate removal.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them.

I have attached a copy of my FTC REPORT for all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, unauthorized inquiries have been made on my credit file without my knowledge or consent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the fraudulent inquiries listed below be blocked and deleted from my credit report immediately : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.
Product: Debt collection

Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.
Product: Checking or savings account

Opened an account without my knowledge or consent. Sent me a focus debt card in the mail. Had sent me someone elses money on the debt card. Tried calling to understand the situation for over 2 months they just hang up on me. Was unable to login into my account that they made for me. Very disrespectful customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX XXXX  a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX  processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
Product: Debt collection

Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT.XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. XXXX months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but Wells Fargo bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to wells Fargo proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification XXXX XXXX time. This needs to be solved immediately. Please help my with my concern.
Product: Debt collection

I discovered accounts on my credit report that I didnt open ; I request their immediate deletion and blocking.
Product: Debt collection

After pay have the rudest people. They are not Americans. They talk to ppl any type of way. I was a loyal customer over 4 years. Never missed a payment. They are rude. They are heartless. They do my care. Its too much to type.
Product: Credit reporting or other personal consumer reports

took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to 3 credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law 15 USC 1681e ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete
Product: Debt collection

On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. 
These entities did not provide information as required. I.e by disputing this debt and exercising my rights under

UCC 1-308. Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. Company placed different information on all credit bureaus.