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

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Bank account or service

I set a bill payment to my XXXX bank credit card account from Santander Bank on line banking, but XXXX bank did not receive the payment. I call Santander bank, the Rep. said they mail out the payment on time, this is post office problem. But he said you can mail the XXXXcredit card statement to our bank and attention Case management, we will refund the late fee city bank charge you. I did mail the copy of credit card statement to the Santander bank address he gave to me on XXXX XXXX. After one month, I called again, another Rep. said the address is wrong and they do not accept, you must fax over the statement. She gave me the fax number .The fax number is no answer. Then called again, gave another fax number. That fax number is communication error .THis morning called again, they said your fax matching is no good, change another fax machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX  account XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A s
ection 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

My balance statement was paid in full by the due date and on the next statement, I am charged an interest rate on the previous months charges. For example, the previous balance including the previous months interest chanrge is {$100.00} and you pay it off by the due date, according to XXXX XXXX XXXX XXXX who claims to be a manager at Citi, even though you pay off the balance, you are still charged an interest rate even though you have completed paid off the bill.
Product: Mortgage

We had our property taxes substantially reduced by our county of residence, submitted all the required documentation to AmeriHome Mortgage three months ago ( we have proof ) and AmeriHome still have not adjusted our mortgage escrow payment. We have proof also that XXXX County ( Ga. ) did approve our homestead exemption application resulting in a {$200.00} a month savings for us. 

I have contacted AmeriHome escrow department three times and talked to a supervisor there as well. They continue to stonewall what should be a cut and dried process. Their finance department refinanced our mortgage in one month but it has been three months since we requested their escrow department to upgrade our escrow monthly withholding.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX 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 Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$740.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), including their failure to maintain accurate information in my credit file, which has caused significant financial harm. 

Detailed Explanation 1. Inaccurate Reporting : Experian included an unknown Social Security number in my credit file, as evidenced in a credit report I received ( Exhibit B ). This error directly affected my creditworthiness.

2. Discrepancy in Credit Scores : Ally Banks denial letter ( Exhibit A ) states that my Experian credit score was unavailable on XX/XX/year>. However, Experian provided me with a mailed credit report during this time, which included a score. 


XXXX. Adverse Credit Decisions : These inaccuracies caused my application for financing to be denied, resulting in financial losses and emotional distress. 


4. Violations of FCRA : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681i : Failure to investigate and correct errors upon notice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Owned a property approximately 15 to 20 years ago with Wells Fargo. Tried several times to get loan modifications and had several contracts on my home to be sold but Wells Fargo kept denying good contracts on purpose and foreclosed on the property. I was harrassed and suffered because of their negligence. I have records to prove their actions and witnesses.
Product: Credit reporting or other personal consumer reports

I am worried about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : XXXX. XXXXL XXXX XXXX Balance : {$870.00} XXXX. XXXX XXXX XXXX : {$0.00}
Product: Mortgage

On XX/XX/XXXX I was set up for an introductory meeting with a Mortgage Banker from Quicken Loans, that was set up as a referral from my co-worker. The call started at XXXX MT and immediately the Banker, XXXX XXXX ( XXXX XXXX XXXX  ) started asking me questions about my current mortgage and gathering information from me he needed to qualify me for a refinance. He asked for my Social Security Number and said it was so he could see my current loan information ( outstanding balance, rate, etc. ). He proceeded to ask more personal questions. I stopped him and asked if he was planning on doing a hard or soft credit pull - he proceeded to tell me that " he has already done a full credit pull ''. 

I contacted credit disputes at Quicken Loans and they said they will not reverse the credit pull. 


I never approved a credit pull. I've never refinanced ( I was a first time homebuyer in XX/XX/XXXX ) and never worked with Quicken Loans. I feel taken advantage of by cut-throat sales tactics fear the long term loss of buying power as a strong lender created by a lower Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted TransUnion about a dispute on XXXX XXXX account # XXXX for {$760.00}. They responded saying that it was verified as accurate when I asked them for the proof they told me they told me they can't mail me the documents. 

As well as today I contacted them XX/XX/2023 about 12 hard inquiries on my account that I have no knowledge of haven't given any of these companies any consent to run my credit and have done no business with them the accounts are as followed.. 

XXXX XXXX  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 This is the list of hard inquiries that I have no knowledge of nor any business with any of these companies nor gave them consent to run my credit in any way please remove these accounts from my credit report ASAP.. 

I have tried to have these removed multiple times and they refuse.
Product: Credit reporting 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 Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Debt collection

Whom maybe concern I'm having problems With a dishonest company. Nationwide Recovery Service. I feel like I was the force to do Business with them. They never let me know about the contract law. That I was in the right not to business with this company. Now they put a debt collector on My credit report. I never sign a kind of release form with the company. I want to remove the company from all three credit bureaus of my credit reportthe reason for misleading and extortion money from me.
Product: Debt collection

I was contacted on XX/XX/XXXX @ XXXX XXXX EST by the XXXX XXXX XXXX. When they contacted me I was told to redial the phone number which I did and then I began talking to the case manager about an alleged debt that my wife owed. I called my wife and continued with a 3 way call with the debt collector. It was told to us that there was a pending civil action that would commence if we weren't able to resolve this debt. The alleged debt was to XXXX/Wells Fargo Bank in the amount of a little over {$300.00}. We were shocked because we have never had an account with XXXX/Wells Fargo bank at all. We were told the account was opened on XX/XX/XXXX and closed was charged off some time in XXXX. It was suggested that we take a letter which was sent to my wife 's email address to the bank in order to verify the debt and gather more details. I did exactly that on XX/XX/XXXX and in addition to that I also called both the corporate phone number for overdraft and recoveries and the customer service department. The account number given by XXXX XXXX XXXX could not be verified by the bank at any of the 3 locations I tried to get it verified at. The representative could not find the account number nor did they have any record of my wife 's social security number ever being associated with any account past or present. I then called the XXXX XXXX XXXX back to inform them of my findings and ask them for proof of this debt. and the representative I spoke with said that they would proceed with making marks within the XXXX XXXX as well as sending this notice of debt to the Credit Reporting Agencies. After a little research on this company I found that there are 13 complaints to the XXXX for exactly the same situation just different amounts of money. I believe this company is fraudulently trying to collect on debts that don't exist.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has already filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to aggressively dispute the unauthorized credit inquiries and fraudulent accounts that have been reported on my credit file. These violations are not only the result of identity theft, likely caused by the Equifax data breach, but also constitute clear breaches of the Fair Credit Reporting Act ( FCRA ). XXXX and Equifax has failed The following violations of the FCRA have been identified : Unauthorized Credit Inquiries : Violates Section 604 ( 15 U.S.C. 1681b ) which restricts access to credit reports without permissible purpose.

Inaccurate Information Reporting : Violates Section 623 ( 15 U.S.C. 1681s-2 ) which mandates accurate reporting of information by furnishers.

Failure to Investigate Disputes : Violates Section 611 ( 15 U.S.C. 1681i ), requiring credit reporting agencies to investigate disputes within 30 days.
Product: Credit card or prepaid card

On XX/XX/XXXX, I experienced XXXX at XXXXXXXX XXXX XXXX. I contacted Chase to dispute my transaction for unused service with the XXXX business. The amount I was disputing for is {$48.00}. Chase customer service XXXX stand with XXXX  and refused to dispute the amount. In addition, XXXX told me she will transferring me to her supervisor but " none of the supervisor is available ''.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) RentDebt Automated Collections XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it is legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving an unverifiable accounts resolved the consumer financial protection bureau has recently filed a lawsuit against Experian alleged systemic issues, such as fail to forward consumer provided evidence to furnishers accepting our reliable responses and to adequately notify consumers of dispute outcomes these failures align with my experience where experiencing has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Experians inaction violates federal law am I right as a consumer.