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

" I have been attempting to upload my documents to the Experian portal for XXXX days, but I keep encountering errors. The system repeatedly states that my files exceed XXXX, even though they do not. Additionally, it keeps indicating format issues, despite my having changed the file formats multiple times. I am reluctant to mail my documents due to the sensitive nature of the information and past instances where the post office has lost my mail. ''
Product: Credit reporting or other personal consumer reports

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681XXXX of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
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 XXXXXXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 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. 1681 s-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, credit repair services, or other personal consumer reports

Wells Fargo completely stole thousands of money from me. 

My ex-boyfriend took credit card advances out, transferred them to my checking account, and Wells Fago STILL thinks it's my fault even though I never authorized these actions. 

In addition, they continue to pile on late fees even as the fraud investigation was going on XXXX mind you, this happened XXXX, and it is not XXXX .... 

They missed about five claims that were filed. They never gave me any updates despite me reaching out via the app or a phone call almost EVERY day. 

No one knew what was going on ( I guess they do not take notes XXXX, so I had to repeat myself a million times. We all know WF is famous for stealing money, and it looks like they struck again. 

Paperwork attached.
Product: Credit card or prepaid card

I am writing you concerning that fraud were committed at XXXX 's Store  # XXXX, XXXX XXXX FL. 
XX/XX/XXXX I came in to this store and made a CASH payment toward my XXXX 's XXXX account for the amount of {$1300.00}. 
That amount reflects on my monthly statement. However also is showing on my statement an Adjustment/charge for {$900.00} on XX/XX/XXXX in the description Field it says Payment. 
Therefore the payment of {$900.00}. was reversed without any action on my part. 
I have already attempted to resolve this problem at XXXX Store, filed incident report with customer care department, and dispute transaction with XXXX XXXX. XXXX store is stating that they have done nothing wrong and sending me to the XXXX XXXX. XXXX XXXX is sending me to the XXXX. 
Unfortunately, the problem remains unresolved. I look forward to your reply and a resolution to my problem.
Product: Credit reporting or other personal consumer reports

Over the past year, I've filed disputes for incorrect information on my credit report. I received emails and letters from the credit bureaus stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX : XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete Experian : XXXX XXXX | XX/XX/year> : Account number : N/A, I never authorized these inquiries. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX  XXXX : Account number : XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX : Account XXXX, I dont remember having a charge-off. 30 days should be enough time to investigate and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my data to be taken without my authorization. I confirmed through the Equifax website that I was impacted.
Product: Credit reporting or other personal consumer reports

in accordance whit the fair credit reporting act convergent company CONSUMER COLLECTION NM Account # XXXX, has violated my rights. this Account is not mine and EXPERIAN report it violating my right XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Waiver of a XXXX  Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted Continental Service Group , Inc & made them aware of this situation to no avail. Please rectify this for me. Thank You.
Product: Credit reporting or other personal consumer reports

Letter mailed XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Submitted via consumerfinance.gov XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX RE : Experian Member XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beginning on XXXX XXXX XXXX, and continuing for three months ( XXXX, XXXX, XXXX ), a charge in the amount of {$24.00} from Experian began showing up on my personal credit card referenced above. 

I do not recall ordering any service from Experian, and do not believe that I knowingly agreed to such a charge but, admittedly, perhaps I did, given the incredibly deceptive practices of companies hooking consumers into free trial offers for services. 

That said, I made several attempts to call Experian, but could not get through the impossible maze of customer service phone options to speak with anyone about these charges. And, attempted to find a way to inquire about the charges on the Experian member website, without success. 

So, I reached out to XXXX XXXX credit services to dispute the charges and made clear that I did not wish for any continuing services, ordered by me or not. Subsequently, one week ago today, I received an email saying my dispute had been denied. 

Today, I tried again to reach Experian to ascertain that all services are stopped and I was, once again, unsuccessful. Additionally, I reached out to XXXX XXXX card services and was assisted by a very kind customer service agent who attempted to assist me. I learned from her, however, that the only way to ensure that such additional charges do not go through is to pay off my XXXX XXXX and close the account. 

By the time this correspondence is delivered, my account will be fully paid, and I will have requested its closure. To be clear, I would not have closed this account, however I have no choice. 

I am absolutely appalled by the fact that a credit reporting agency, charged, in part, with protecting my credit record from fraud is, itself, taking advantage of me. This practice is unconscionable, and I hope the CFPB will do something to put this kind of practice to an end. 

In the meantime, and to be clear : 1. Experian : I do not want any of your services, memberships, or other offerings EVER charged to me in any form. You are instructed to immediately stop all such transactions. 
XXXX. XXXX XXXX : My credit account should be closed. You have lost a loyal customer. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : XXXX
Product: Mortgage

I have a home that was flooded by Hurricane Harvey. I immediately reached out to my mortgage company, CitiMortgage, to inquire about a forbearance plan for a Federally declared disaster area. On XXXX/XXXX/XXXX, I rec 'd a letter from CitiMortgage granting me a 90 day forbearance period. I did not make my XXXX/XXXX/XXXX payment, per the information in the letter CitiMortgage sent me. 

On XXXX/XXXX/XXXX at XXXX, I rec 'd a call from CitiMortgage indicating they are calling to collect on a past due debt. I informed CitiMortgage I did not make the payment per their forbearance letter instructions. They confirmed they were aware I was on the forbearance plan, but they stated they would call me weekly until the past due amounts are paid. I asked the rep to explain to me if this process makes sense, as they are the ones that granted the forbearance plan. She stated it does not make sense ; however, they will continue to call me to collect the debt. 

Attached is a copy of the letter, which nowhere do they state that under the plan they will attempt calls to collect a debt. I would appreciate some guidance as to how to proceed with these knuckleheads. 

XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022 I received an Aspire credit card with an {$700.00} credit line. I was trying to build my credit and not aware of predatory lending practices. 
After one year of payments I still owe {$540.00}, but have paid a total of {$2200.00}. 
This should be criminal. I am sick over it and see no way out. 
I have not reached out to the company because I dont know where to begin or what to say. 
I destroyed my card months ago in hopes of paying it off and closing the account. It seems unreachable
Product: Credit reporting or other personal consumer reports

There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed. 
PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well. 
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " Dept of EducationXXXX '' " closed '' accounts, " XXXX XXXX '' is over 10 years old. 
15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting. 
FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', " XXXX XXXX XXXX XXXX '', and " XXXX XXXX XXXX ''. 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all 3 reporting credit agencies.
Product: Credit reporting or other personal consumer reports

This is not my account I do not owe XXXX XXXX XXXX any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a request form to XXXX XXXX XXXX via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for Experian XXXX XXXX and XXXX. Experian shows 180 days late, XXXX XXXX shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXXXXXX XXXX XXXX was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX  is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for Experian only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT CERTIFIED LETTERS ON  3 DIFFE RENT OCCASIONS TO ALL CREDIT BUREAUS (   XXXX      XXXX   AND TRANSUNION  ) IN REGERDS T O ALL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XX/XX/XXXX  , XX/XX/XXXX  THOSE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I  FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM TEXAS BU T LEFT  ANOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may c oncern, I mailed a Multiple Inquiry Removal Letter on   XX/XX/XXXX  by  certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the lett er on  XX/XX/XXXX  and they completed the request on  XX/XX/XXXX . The request that I submitted in cluded  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all XXXX credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX, INQUIRY DATE XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX : {$250.00}