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

I have fully paid an auto loan from XXXX that was delinquent. I understand it should have shown that on my credit report but the account is almost 11 years old now. 10 years and 10 months to be exact. I have tried to get this account removed several times and have failed. I was told it would fall off in XX/XX/2017 by a rep from Trans Union but it never happened. My payments for all my accounts are on time and they total over 20. Cant understand why this negative account has to punish me for the rest of my life when I have a great credit history now? Please investigate.
Product: Credit reporting

Case number : XXXX On XXXX/XXXX/16, My request was to have the " account in dispute '' remarks deleted. I was told by Experian that the creditor refused to remove the comments on XXXX/XXXX/16. And since " the creditor pays them and the consumer does n't '' the comments will remain. 
On XXXX/XXXX/16 I requested to receive a copy of the information submitted to XXXX. 
Experian is unable to provide me docuementation stating the specific details of my dispute request. Their system shows the request, but they are unable to provide me a copy of the request they sent to the creditor. I also asked for a copy of their policy that states dispute remarks can only be removed by the creditor ; they will not furnish that documentation either. 
How can I determine as to whether my dispute was submitted appropriately? Fannie Mae requires that such remarks be removed from the credit report. I am supposed to close XXXX/XXXX/16. 
I added a statement to my report to reflect that I am not disputing the acct, the creditor refused to remove the comments and Experian will not remove the comments without the creditor permission. 
How CONVENIENT and UNFORTANATE it is that MY statement can not be seen by the mortgage lender, but I can see it on my report online from the Experian website! 
This is a miscarriage of justice and Experian 's DELIBERATE WILLFUL VIOLATION of my consumer right protected by the FCRA to have or not to have my OWN consumer statement on my credit report! 
See attached letter to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX & XXXX XXXX CO : XXXX -- > {$13000.00} XXXX XXXX XXXX  XXXX : XXXX -- XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I applied for a credit line increase on my Barclays Old Navy credit card on XX/XX/XXXX. On XX/XX/XXXX I was notified that Barclays pulled my credit report and did a hard inquiry with XXXX for the increase. The fact that Barclays would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for Barclays to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! **WHY/HOW?? ] ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! ** XXXX?? ] XXXX XXXX XXXX XXXX. I have reached out to Experian via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that XXXX, XXXX, and Experian are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, if any of these companies choose not to cease reporting, please have them provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

Hey paypal limited my account even i provided all the documents required and after that they start charging me XXXX XXXX at every dispute or chargeback and i never heard of that before.
Product: Debt collection

Ive sent XXXX  a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Account name : XXXX Account XXXX XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX Account number XXXX Account name : Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX, I incurred a checking account overdraft fee at Wells Fargo and was told that I could not overdraft again over a " XXXX rolling '' period. 

Thinking I had the option to overdraft in XXXX of XXXX, I called to verify ahead of time so that I would not have to leave my bed if I did not have to ( because I was sick with flu ), to cover funds on a new overdraft fee I incurred. But to my surprise, Wells Fargo customer service claimed that I had already exercised my overdraft ability in XXXX of XXXX. In reviewing the summer months statement together with the agent, I could not see any record of an overdraft fee assessment or reversal, which is unusual because Wells Fargo does document overdraft fees and reversals as do my other bank accounts. In fact, as of today, Wells Fargo has XXXX overdraft fee assessments documented in my online checking account. Why would Wells Fargo document all the overdraft fees I've ever had until this very day, but claim that documenting them is not not their practice? This makes me feel like I have to babysit Wells Fargo and check my account every day for potentially nefarious activity from them. I took a screenshot and downloaded a PDF of the statement in question just in case the digital version of it changes later on. 

I disputed the validity of the overdraft fee on the grounds that Wells Fargo was not transparent. Overdraft fees are banking fees and should be transparently reflected with all the fees that make the checking account balance what it is. 

I received a dispute response via email on XX/XX/XXXX promising to investigate and respond within XXXX business days. Their response never came to my main inbox folder or junk folder. 

When I called Wells Fargo today, XX/XX/XXXX, requesting to speak with a XXXX, " XXXX XXXX '' who takes complaints said that maybe case XXXX " XXXX XXXX '' would receive my request that the dispute decision be resent - and maybe not. He didn't know if she'd receive receive my request to see the information claimed to be have been previously sent to me. Then, my request to receive it by paper mail or in the mailbox of my account portal was denied. I then asked to speak to the XXXX and then XXXX XXXX was able to miraculously produce XXXX XXXX to the phone, who sent a dispute resolution letter stating that their investigation of the alleged summer overdraft fee was valid, even though its not reflected anywhere. 

As of today, I see XXXX transactions in my online checking account with overdraft fees. XXXX of them will be reversed because the merchant is returning money that they were not authorized to take. But I was also charged a {$35.00} overdraft fee for XXXX cents that I did not include with a {$10.00} deposit I made on XX/XX/XXXX and I can not dispute it because of the alleged overdraft fee reversal that I received in XXXX, which there is no record of beyond what Wells Fargo claims took place in a letter that they didn't really want to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct this immediately : XXXX XXXX XXXX XXXX XXXXREPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Several Umpqua Banking products including FHA products, loans and accounts were bundled in my account by XXXX XXXX  employees, agents, details including home businesses using Social Security and XXXX letterheads in their paperwork. Umpaqua store consumer direct in XXXX WA on a address that may or may not exist listed as XXXX XXXX in XXXX and two addresses, one in XXXX and one in XXXX on XXXX in XXXX were started my Umpqua Store a branding company for printing and creating products, also a consumer direct company. The agents, retailers, use my name and information illegally to open up illegal banking products involving XXXX XXXX XXXX XXXXXXXX also a XXXX XXXX XXXX, XXXX, businesses doing business with XXXX or renting space inside XXXX. Umpaqua Bank in XXXX referring people to their friends for stealing financial information to open loans for housing and businesses in XXXX XXXX and XXXX i.e. XXXX XXXX, XXXX XXXX, Private mail delivery services, construction services, providing FHA loans to people using my information and fraundulently filing income tax returns in my name or using my information on their income tax returns. People involved in this include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX. Employees from County office, Treasury Department, DOT and DOL in XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX  in XXXX via XXXX XXXX products and services selling business 'XXXX XXXX XXXX XXXX ' products, including XXXX XXXX, using my account for those businesses illegally. Including XXXX XXXX XXXX XXXX XXXX, documentaries and actors involved in those wanting to be scam artists and perform in that to research identity theft. Using my identification to open or attempt to open and file for tribal rights, tax exemption, start a tribal business and/or open businesses for tribal exemption which do not exist in the US, using other countries ' income tax forms for XXXX XXXX IRS XXXX XXXX to Work businesses. I purchased a Cashiers Check at the XXXXXXXX XXXX XXXX for a vehicle I purchased in XXXX  and had the vehicle ownership and license plates paperwork to transfer the vehicle to XXXX  done at the DOT in XXXX XXXX XXXX at the clerks office at the DOT counter on the first floor. The people there probably stole the title and copied it. Also involved in identity theft.
Product: Credit card or prepaid card

On XX/XX/2022 there was a credit inquiry from Bloomingdales. I did not authorize this credit inquiry that has been posted onto my credit report. I did not attempt to open a line of credit at Bloomingdales. The same day, an application was submitted for Macy 's where a line of credit was approved. I did not apply for a Macy 's credit card. I have submitted a complaint on the Macy 's line of credit. I have contacted experian and they have marked the inquiry as fraud.
Product: Credit reporting or other personal consumer reports

capital one bank had XXXX inquiries show up on my report contacted capital one said they didnt show any recent inquiries on my report but have XXXX from them trying to get removed
Product: Debt collection

I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
Product: Mortgage

This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


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

XXXX  keep reporting 2 inaccurate address and they wont remove the address in question. and not only is it hurting me but its being sent to the credit card companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND I NOTICE THAT MY PERSONAL INFORMATION ARE INCORRECT. 
I TOOK ACTION AND SENT A DISPUTE. IT HAS BEEN XXXX  DAYS AND THE INCORRECT INFORMATION ARE STILL IN MY CREDIT REPORT. 
THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
PLEASE DELETE INFORMATIONS
Product: Debt collection

On or about XX/XX/2023, I contacted the creditor about a collection being reported on my credit, I informed them that its wasn't mine and possibly fraud... they persisted that it was. I told them I never had service or filled out an application for XXXX services. Now, its damaging my credit profile.
Product: Money transfer, virtual currency, or money service

I attempted to send {$25.00} to someone through their service on XX/XX/2019. They charged {$6.00} for their fee. The person never received it. I called them and they told me to wait a little longer it was still pending and it was my banks issue. I waited longer and it still did not go through. I called again and a new representative said it was a known issue and needed to be canceled and refunded to me and I would need to start over. They cancelled it, and I never received the money back in my account. They said it was my bank. I contacted my bank several times and XXXX XXXX said no money was ever refunded to my account. XXXX XXXX sent a letter saying they investigated the issue and JPay never refunded any money back to me. JPay has not responded to my complaints or emails. I want my money back. This is theft.
Product: Mortgage

my father recently passed, I contacted Chase, his mortgage holder to advise them of his passing and I wanted to discuss possibly short selling. I offered his death certificate and our estate affidavit so they could discuss his loan with me, I was told not to send that but rather they said they would not discuss anything with me until I signed a PROPERTY TRANSFER RECOGNITION AGREEMENT, which makes me responsible for his debt, they will not discuss anything with me until I agree to assume his debt. I have attached a copy of the XXXX pages they sent me, of note is starting on page XXXX
Product: Credit reporting or other personal consumer reports

My XXXX, XXXX and Equifax reports show ( XXXX ) address that are incorrect : 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

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a responsible reinvestigation of disputes information on my credit report, leaving incauurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes these failures aglin with my experience, where Experian 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 Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX *went to b XXXX XXXX XXXX XXXX to purchase important items for our home. 
TeleCheck refused to honor my check for the purchase three times. 
A supervisor told me the issue was resolved and to go the next day to complete the transaction. 
XX/XX/XXXX * it was denied again approval after being told by TeleCheck four times to go back again to run the check. 
TeleCheck should be placed out of business in authorizing checks personal or commercial. 
To many complaints and is running a Bad Business! 
*XXXX XXXX XXXX should find another way to authorize checks for their clients.
Product: Money transfer, virtual currency, or money service

My Coinbase account got hacked. I been trying to get it figured out for over a week. I tried getting access to the account but the hackers changed the phone number. And the customer service is not answering my questions. I told them that the number they are sending the authorization code to is the hackers number. This company should not have access to financial information. Everything is automated and no one will answer my questions.
Product: Debt collection

I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.