23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never XXXX late XXXX XXXX : XXXX Never XXXX days late, High balance incorrect. 

XXXX XXXX Bank I have know knowledge of this account In Accordance With the fair credit reporting 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 1861 section 604A Section XXXX It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at approximately XXXX EST I attempted to place a credit freeze on my credit report with Experian PLC. I attempted to place this credit freeze online via the Internet. After entering all required information I received a message requiring me to send further information via registered mail. Registered mail is not free. It is my understanding current law requires credit reporting companies to place credit freezes at no charge to the consumer. Please require Experian to place a credit freeze on my credit report free of any charges. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : 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 I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.
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. 
XXXXXXXX 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 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: Mortgage

I had loan with Wells Fargo Bank. At the time I did not default on the loan, I contacted them in good fait to refinance my loan & by the time they settled things with me they caused me to be behind ( 1 ) payment. I was & am a single lady low income but I paid my bills. They caused me to spiral out of control. I tried calling so many people on so many levels. I feel I was scammed. I actually then had my home sold for cash & for more than it appraised for. They said I did a loan modification rather than a refinance. I was told it was a refinance. So when I tried to close on my home they would not let me & I lost {$30000.00} in escrow & my money I needed to retire on. They forced it into foreclosure. I had to sign on XX/XX/2017. I paid my house payment for sometime after & finally had to move out. 
I was told even by my realtor this was a bad deal. I just pray Im one of those they found did me wrong. 
Thank you for your time XXXX XXXX I do have all my closing papers. 
Wells Fargo went ahead & sold my property for the cash offer that was my! 
It was theft at its finest. 
I now have to live with my son & his wife down the street.
Product: Mortgage

Single Family Home Mortgage With PHH Mortgage XXXX ALL MY PAYMENTS ARE MADE ON TIME WITH PRE-PAID BANK TREASURERS CHECKS AND I PAY FOR XXXX  XXXX TO DELIVER THESE PAYMENTS OVERNIGHT TO THEM, PLUS I PAY AN ADDITIONAL {$9.00} EVERY MONTH SO THAT THEY HAVE TO SIGN FOR RECEIVING THESE PAYMENTS! 
I HAVE ASKED PHH-XXXX XXXX FOR A " TOTAL PAY- OFF FIGURE " AND THEY ARE REFUSING TO SUBMIT THAT FIGURE AMOUNT TO ME, WHOM TO MAKE THE " BANK CHECK " PAYABLE TO AND WHERE TO SEND THIS FINAL " PAY-OFF FIGURE TO "! 
AND THEY ARE TRYING TO " FORECLOSE ON THIS MORTGAGE INSTEAD OF ACKNOWLEDGIBG MY FORMAL REQUEST TO PAY THIS MORTGAGE OFF AND BE DONE WITH THEM!
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate on my credit report. 
XXXX. 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
Product: Debt collection

I have a credit card with XXXX, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. Allied Interstate is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. 


I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
Product: Debt collection

On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.
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. 

Account name : # XXXX XXXX XXXX XXXX Report Date : XX/XX/2023 Account Number 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 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 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: Money transfer, virtual currency, or money service

We have XXXX retail store locations and XXXX seasonal stores that we use Square XXXX to run inventory management and credit card processing. Our fees for inventory management are {$63.00} per month for both retail store locations, which is {$120.00} coming out automatically from our business credit card account. We have used various email accounts for the seasonal store locations for mobile operators to use separate from the retail store locations. Due to the seasonal nature for the mobile accounts the email addresses and passwords are frequently changed. 

Unbeknownst to us, we are also being charged {$63.00} from our business bank account on each of the XXXX retail stores ( {$120.00} ) ; which we thought was for inventory management processing. Because the amount is the same, it slipped through our accounting and we have been overcharged for the last 2 years on services never rendered. We have made countless calls to square to investigate and to turn off remove/refund, and we have to wait XXXX hours for a representative. We were promised a call back XXXX hours, no one has contacted us and its been over a week. Our case number with square is XXXX. No one at square can explain these charges, it appears this was some type of service erroneously signed up for on an old email account we can not longer access. The error charges are as follows per our online banking acct XXXX {$63.00} XXXX, and acct XXXX {$63.00} XXXX XXXX, square can not explain these or shut these off. Please help! 








Each location has a unique email associated with the XXXX XXXX subscription. 

One of the seasonal stores was signed up with this
Product: Mortgage

It is XXXX XXXX, 2015. I have not received the required XXXX from my mortgage lender, Seterus Inc . I have tried calling them multiple times, and was told the document was faxed to me on XXXX XXXX, XXXX XXXX, and in addition the document was also mailed to me on both days as well. The fax was not received. The fax is a dedicated line and all other incoming faxes have arrived without delay or issue. Each time I call I am told it will take 3-5 business days to fax the document, or 7-10 business days for the document to be mailed. I still have not received the document. Will the IRS understand that it 's not my fault when I ca n't file my taxes? I already had to request an extension ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with Transunion, XXXX, & XXXX credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my Transunion credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

Transunion continues to report XXXX payment as late when it was never late or reported late. I have provided Transunion XXXX items of proof that this payment was paid on time and reported as current even a letter from the creditor. Transunion refused to remove the late payment or update the late payment as current. This needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX  ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX  ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX  XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN Information Solutions , Inc. ( hereinafter referred to as " EXPERIAN '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EXPERIAN requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$510.00}. The FCRA mandates that the credit bureau, in this case, EXPERIAN must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of XXXX letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate.

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

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

On XX/XX/ I placed an order at XXXX for {$86.00}. Using my Wells Fargo charge card. It was a fraudulent site. I filled a dispute with Wells Fargo. The merchant did not respond in the alloted time. The dispute was in my favor. Wells Fargo charged me late fees, which they can't do. After many phone calls to Wells Fargo concerning said charges. They reported to the 3 credit agencies- deducting the late Charge but left the {$86.00} plus intrest of {$2.00} as owning. No- I don't owe anything. I have all the documentation concerning this dispute. After winning my dispute, Wells Fargo should have reported a XXXX balance. As of XX/XX/ Wells Fargo wants me to file a new dispute!! Are you kidding me...