23daVinci/CFPB_Complaints huggingface dataset:
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 Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser
Product: Mortgage

I had an issue paying my property taxes and called Wells Fargo Hime Mortgage to discuss the issue in XXXX of 2015. I was given the option to setup an escrow account with a 5 year repayment which truly would help my situation and be something I could afford. A couple of weeks passed and I did not receive any correspondence. I called again and was assured that it would be handled. A couple of weeks passed after that and I called again and was told a third time this could be done. A few weeks after that, I received a statement requesting repayment of the escrow in XXXX payments. They had paid my taxes and presented me with only a XXXX payment repayment plan without asking if this was ok. I had other means to partially pay my tax arrears and would have done that. They made a decision without asking me and now I owe them $ XXXX and this would raise my monthly bill by over {$1000.00}. I called back and was told the rules changes and they could not offer a 60 month repayment. Now my mortgage payment is very expensive and they have told me I could look into XXXX to lower my payment. This is not what I wanted to do. I am upset with the process because I was told what my options are picked an option that suited my budget and then they pulled the option saying it was no longer available. If the process was completed when I originally called in 2015, I would have the plan I requested, but Wells Fargo has no regard for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in letters disputing personal information, collection accounts, and missed payment accounts. Equifax stated that they didn't received my letters and I sent them certified and the letters were shown that they were delivered.
Product: Checking or savings account

Wells Fargo continues to charge excessive fees, well beyond anything reasonable, despite recent settlements with the government. It seems that they are not currently abiding by the terms of that settlement. They abuse customers by creating a cycle where customers must continually overdraft their accounts, to recoup what Wells Fargo took the prior months. Even if you want to dig yourself out of the hole Wells Fargo created with excessive fees, you cant. XXXXXXXX XXXX XXXX or last minute bill restarts the cycle again, then more and more fees. All I am asking is that they refund the fees. The amount of fees theyve taken over the 20 years Ive banked with them far exceeds any amount I have currently or even could ever overdraft. They are literally stealing from our nations most fragile, sick and XXXX people such as myself, and even the elderly. Their system is set up in a way that takes advantage of our nations poorest and most vulnerable. Its both unfair and discriminatory to those of us facing XXXX XXXX XXXX XXXXs. Im sick and inflation is making it impossible to navigate on a fixed income, then Wells Fargo piles on with fees. Please assist in protecting those of us that are sick and XXXX from the predatory and discriminatory practices that Wells Fargo makes us endure. Because at this point, it genuinely feels like Wells Fargo discriminates against the XXXX by forcing excessive fees on those with fixed income. Their lack of compassion for those of us that are sick and struggling is unreal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XXXX XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. CAPIO PARTNERS LLC Original creditor : XXXX XXXXXXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Law 15 U.S.C 6801 States that are none public information can not be share with a financial institution. Law 15 U.S.C 6802 State that financial institution before they report anything to your consumer report. I as a consumer have the legal right to opt out of anything reporting on my credit profile. or they have to send me three different letters for me to sign and give them permission to report that type of information ton my consumer report. I have never receive or signed anything at all. And i know public information can not be share without my legal consent. These are the accounts i want removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian requesting the remove of the old late payments from an account. According to 15 USC.1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The FAIR CREDIT REPORTING ACT 15 USC.1681a ( 2 ) ( a ) ( i ) also states Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian said this information was verified and they did not remove it from my consumer report.
Product: Debt collection

Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on easter sunday morning. weekends. all times.
Product: Credit reporting or other personal consumer reports

Request for Correction of Inaccurate Credit Report Information I am writing to bring to your attention certain inaccuracies in my credit report that need immediate rectification. The following details on my report are currently incorrect : Corrected XX/XX/XXXX Corrected - XX/XX/ Corrected - XXXX XXXX XXXX XXXX, MI XXXX I kindly request that you promptly update my credit report with the accurate information provided above. Any other discrepancies in my report should also be thoroughly reviewed and corrected as necessary. 

Your swift attention to this matter is greatly appreciated, as it is vital for me to have an accurate credit report for various financial transactions and opportunities. Please inform me of the progress and the anticipated timeline for these corrections. I can be reached at [ Your Contact Information ] for any further clarifications or updates. 

Thank you for your prompt assistance in resolving this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021
Product: Debt collection

I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$11000.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$35000.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$2100.00} These credit accounts are the results of identity theft and fraud.
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  Account # LP XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX/ Account # XXXX Account name : FXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX/ Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : US DEPT OF EDUCATIONXXXX Account XXXX XXXX Account name : XXXX/ Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX Account # XXXX Account name XXXX US DEPARTMENT OF EDU XXXX Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX/ Account # XXXX Account name XXXX US DEPARTMENT OF EDU  XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX Acount name : XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX/ Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX/ Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed there are inquires on it  that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
Product: Debt collection

While checking my credit reports I noticed Diversified Consultants has shown back upon my reports. This debt is not mines as I have relayed that to XXXX on several occasions. I WAS XXXX at the time this account was opened. I do not recognize this debt and it is not mines.This unverified debt has caused major stress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I was XXXX  from XXXX to XXXX by criminals in XXXX XXXX XXXXXXXX and i could not enjoy XXXX vacation and lost two way fare and this was exploited later by XXXX XXXX XX/XX/XXXX harassing me at airport in XXXX preventing me retiring or reemployed and returning to life in XXXX. I had a XXXX XXXX  going on from XXXX but the first XXXX could be finshed only XX/XX/XXXX. I should have been employed in XXXX. I was harassed and another two way ticket to XXXX from XXXX wasted. an XXXX or XXXX helped me buy ticket using ATT Universal XXXX XXXX XXXX XXXX XXXX Valid from XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX when i was XXXX XXXX XXXX XXXX with strangers of not my class. My Mother is dead still i have no income. I demand reversal of the payment for the ticket of XXXX and compensatory damages. I lost XXXX dollars doing XXXX XXXX with XXXX  in XXXX and i suspect them partner to this. I had a passport in which i tore a pasted XXXX, i demand order all passport control for me removed. My mother is XXXX  and i have a XXXX wife and i do not have any income from XXXX XXXX  or website worldwide exploitation by thieves in partnership with criminals like the XXXX XXXX and XXXX XXXX who forced me to sign XXXX. I am XXXXXXXX XXXX XXXX and i request all statements of the att XXXX card especially of the return ticket i was forced to pay to XXXX and in XXXX XXXX the criminals suffered me and took a bribe of XXXX dollars. They have XXXX my mother and stealing all wealth i can enjoy and i am in XXXX shuttling between XXXX and XXXX with a XXXX XXXX XXXX  Please send all statements of the above credit card to me and reverse all payments to XXXX  and stay in XXXX and all payments from the date i was unnecessarily XXXX
Product: Debt collection

This account has been closed since XXXX  the debt collection agency also called my employer which was a breach of security : i never agreed to do business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX 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 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Debt collection

This debt is not valid but Sunrise Credit Services continues to submit it on my credit report.