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

On XX/XX/2023 I disputed late payments from XXXX XXXX XXXX XXXX because I was never late on my car payment and this car is paid off in full! I have sent out XXXX dispute letters and and complained to cfpb numerous of times. XXXX and XXXX deleted the late payments from my credit report but Experian is still reporting these fraudulent late payments this account is paid off and inactive therefore this account no longer belongs to me and should not be reporting negative information while also Hindering my chances of getting approved for anything. Im getting denied for everything because of these alleged late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORTS AND FOUND INFORMATION LISTED THAT SHOULD NOT HAVE BEEN THERE. I OFTEN PULL MY XXXX  REPORT BECAUSE THEY ARE THE REASON MY INFORMATON WAS LEAKED OUT IN THE FIRST PLACE. DUE TO THEIR HUGE BREACH THAT THEY KEPT FROM CONSUMERS. I NOTICED THAT THERE WERE A LOT OF XXXX  XXXX  XXXX ACCOUNTS THAT HAVE BEEN CLOSED THESE ACCOUNTS WERE OPENED IN XXXX AND YET THEY ARE STILL REMAINING ON MY CREDIT REPORT. I CONTACTED XXXX  XXXX  XXXX  ON TODAY ( XX/XX/XXXX ) AND ASKED QUESTIONS ABOUT MY CREDIT REPORT. I WAS MET WITH HOSTILITY AND QUESTIONS THAT DID NOT PERTAIN TO ANYTHING LISTED IN MY CREDIT REPORT WHICH I HAD IN FRONT OF ME. PER XXXX  " CLOSED ACCOUNTS STAY ON YOUR CREDIT REPORT FOR 10 YEARS SINCE THE DATE OF LAST ACTIVITY '' I HAVE A COPY OF EACH OF MY CREDIT REPORTS. XXXX IS DOING THE SAME THIG. THEY ARE REPORTING AND UPDATING XXXX  XXXX  XXXX  ACCOUNTS AND THAT WERE OPENED IN XXXX. THEY HAVE BEEN CLOSED BECAUSE THEY HAVE BEEN CONSOLIDATED. AND WERE CONSOLIDATED YEARS AGO. EXPERIAN IS DOING THE SAME. THESE COMPANIES WERE SENT A IDENTITY THEFT REPORT AND REFUSED TO REMOVE XXXX  AND XXXX. ONCE I CONTACTED THESE COMPANIES THEY SAID THEY WERE NOT MADE AWARE THAT A IDENTITY THEFY REPORT HAD BEEN ISSUED. EXPERIAN SENT ME A LETTER STATING THAT THEY HAD CONTACTED THESE COMPANIES. THEY LIED. THERE NEEDS TO BE AN INVESTIGATON DONE INTO THESE CREDIT BUREAUS BECAUSE THEY ARE CRIPPLING CONSUMNERS BY REPORTNG FALSE INFORMATION AS WELL AS UPDATING INFORMATONON THEIR OWN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( Equifax ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as 2 late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + San Diego County Credit Union, On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the 4 unauthorized hard credit inquiries. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect these unauthorized credit inquiries to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Attached to this complaint are : - Copy of drivers license - Copy of social security card - Copy of address - Copy of complaint - Snapshot of the 4 unauthorized inquiries on XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the fcra the response from Experian is not in compliance with stating why and how it is verified as accurate reporting
Product: Debt collection

this is XXXX XXXX pro collect in XXXX tx is saying this is my debt when i talked to them and told them i never been to tx they asked for a util payment which i sent them and they say debt still mine when they gave me the work company that person worked for wasnt even the company i worked for as a matter of fact i put on XXXX since 2020 for cance i been going for treatment in XXXX fl since then i told them that and still they say its mine XXXX XXXX
Product: Debt collection

Dear Aldous I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act, I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe you this debt. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XX/XX/XXXXXXXX XXXX Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke withXX/XX/XXXXXXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
Product: Money transfer, virtual currency, or money service

Transaction Id XXXX and Case ID : XXXX I would like to escalate Case Id : XXXX to your office. 

A summary of the case is : Seller is ebay seller with a history of misfit items and selling cheap plastic junk. Many of ebay feedback has been removed mysteriously by seller including mine. So looks like they know how to game XXXX. 

I received an item for my car which didnt fit. Evidence of non-fitment is shown in the case including a video to Paypal. 

I opened a case on XXXX and XXXX claims since the case was wont fit, its not a SNAD case. They dont allow changing case type. If I wanted the money back i needed to ship back my item to XXXX which costs more than the item itself. 

I opened a case on Paypal, I was asked for evidence which I have provided. 
Paypal is playing the same game, it only allows me to upload tracking information to XXXX or cancel refund case. 

I am happy to ship the goods back to XXXX is seller is paying return shipping. Since the product was mislabelled the seller should be responsible for any return shipping.
Product: Credit reporting or other personal consumer reports

I contacted XXXX  and equifax about being a victim of XXXX XXXX and fraud. I filed disputes with both XXXX and equifax and filed disputes with XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and turned in a FTC XXXX XXXX report to them and there refusing to remove these fraudulent accounts from my credit report even though Ive provided them all the information and documents theyve asked for. These are not my accounts and Ive stated this several times and provided all information to them
Product: Student loan

My student loans are currently in bankruptcy forbearance due to me filing Chapter XXXX. My bankruptcy was amended to allow me to participate in the Public Service Loan Forgiveness program by allowing me to pay with the IDR plan. Loan status has not updated so I can re certify for IDR. Time that is being used as " processing '' is causing me to loss credit for months I can receive credit for.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against all three bureaus XXXX, Trans Union and XXXX for not performing an accurate assessment and timely investigation of my complaint. For inaccurate information being placed on my credit report without concern of performing an accurate evaluation of the customer complaint of negligence reporting on my credit reports. Causing me great danger in losing several job opportunities, cars and houses opportunity. For myself and my family to enjoy. 

CFPB has sued these credit bureau for not providing accurate information on investigations of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect info on my account. 

1.XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020
Product: Mortgage

On XX/XX/2020, I contacted Quicken Loans to refinance an existing home mortgage loan. I spoke with two mortgage bankers, XXXX XXXX and XXXX. I informed them both that I wanted to refinance a mortgage loan. Both the bankers informed me that my credit score had to be a XXXX to qualify for a conventional loan. 

I made them aware that my credit score was ran a few months ago and I qualified for a conventional loan. However, the customer service was very poor from the previous mortgage banker so I didn't proceed with the financing of the loan. 

I requested that XXXX pull my credit report again to see if the score had increased.

He pulled my credit report and stated my credit score had decreased and I didn't qualify for a conventional loan, but I may be eligible for an FHA loan. I told XXXX that I didn't want an FHA loan and I wasn't gon na proceed with the loan application. 

As I was attempting to end the call, he informed me that my credit score ( the middle score ) had to be a XXXX to qualify for a conventional loan. However, in the previous conversation, both mortgage bankers stated my credit score had to be XXXX to qualify for a conventional loan. 

My complaint is that Quicken Loans mortgage bankers are providing misleading information to customers ( I believe from a protected class ) to finance mortgages with high interest rate loans. The bankers are not helpful with getting loans approved and they are taking advantage of customers who are from a protected class. 

I've spoken to three bankers with Quicken Loans and they were not able to assist me with the financing of my mortgage. The customer service has been very poor and I feel I have been discriminated against because of my race and gender.
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX, I run a XXXX XXXX XXXX XXXX. 
In XXXX I deposited {$30000.00} into a Wells Fargo savings account. 
I applied for an unsecured line of credit and was denied by Wells Fargo. 
So I opened a secure line of credit using my savings account at collateral. 
Wells Fargo put a hold on {$29000.00} in my savings account. 
Wells Fargo authorized a secure line of credit for {$27000.00}. 
I made all payments to the line of credit on time. 
I was never late and I never missed a payment. 
On XX/XX/XXXX I paid the outstanding balance on the line of credit down to XXXX. 
Several days later I asked the local Wells Fargo branch loan officer to cancel the line of credit, he advised me that he could not do that. He told me I would have to call Wells Fargo customer service. So I called Wells Fargo customer service and closed the line of credit. 
The Wells Fargo customer service rep told me that the funds would be released once the system updated. 
It has been 19 days since the account was closed and Wells Fargo still has a hold on my {$29000.00}. 
I do not owe Wells Fargo anything. 
Wells Fargo is not claiming that I owe them anything. 
However, Wells Fargo is continuing to hold my money. 
I need access to my money to run my business. 
I have called Wells Fargo numerous times and waited on hold for over an hour on several occasions ... nobody has helped, they always say " it's another department '' or, " there's nothing I can do ''. I have send multiple email requests through the online Wells Fargo message center to have the funds released and I have only received one reply. That reply said, " there is nothing we can do, please call customer service ''. 
I just want my money released.
Product: Student loan

On XX/XX/2020 I had a conversation with BCO Consulting Services. They had me convinced that they would help manage my student loans through an income based forgiveness program for a service fee of {$990.00}, which I recently discovered to be false information. They had me sign some paperwork - all of which was read thoroughly which tells of how convincing they were. I will attach that paperwork to this claim. Overall, they have taken {$390.00} XXXX {$190.00} on XXXX XXXX, {$190.00} on XX/XX/XXXX XXXX. My complaint is that they claimed to be working with my student loan providers, but I called my student loan provider and they directly told me that they do not work with 3rd party organizations, therefore, they do not work with BCO Consulting Services. So, I am requesting my money back from this organization because they falsely told me that they could work with my student loan provider, when in reality, my student loan provider does not and will not work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Schools first is not reporting correct information on my credit report. 
-monthly payment amount -comments are incorrect on credit report -last active date -date of last payment is incomplete -two year payment history is incomplete -date last active is incorrect in
Product: Checking or savings account

The date was with XXXX via M & T bank. There was a payment sent to a fraudulent company, XXXX XXXX XXXX in XXXX, Wyoming. They are a fraud company who refused to give me the services of movers on the date and time ( XX/XX/2022 at XXXX ) agreed upon. Their business information is here : XXXX XXXX ( XXXX ) XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX The dispute was for {$530.00} made on XX/XX/2022 to XXXX XXXX XXXX XXXX XXXX. I got a notice from my bank, today, that my claim for a reverse charge and a cancellation of the payment to XXXX movers was denied and there was nothing they could do for me. This company has a horrendous reputation and I have filed with the XXXX  about this company as well. They refused to reemburse me for a product and service they did not deliver.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my response to a customer satisfaction survey that Experian Credit Bureau sent me : On XX/XX/21, I was trying to upload documents and it didn't work. The customer rep told me to clear my cache and try again. That still did not help and it caused me to lose all my saved history. I then try another browser and still got an error message. For some reason you people at Experian really don't want to help me address the fraud that was committed on my account. 

On top of that I was given three different addresses to mail my documents to. My documents contain personal identity information about me and I'm not even sure where to mail them???? And I shouldn't have to mail them when I should be able to upload them. 

I have been trying for almost a year to get the fraudulent accounts removed from my credit file. But no one at Experian seems to want to help me. This is just as bad as the identity fraud. 

It would be helpful if someone with extreme knowledge and ability could contact me so I can upload my documents and get this matter resolved once and for all. It's frustrating and time-consuming and a very inconvenient. 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I tried to temporarily unfreeze my credit report on Experian. I could not log into my account even though I had all correct information. I could not reset my log information neither, it says my account does not exist. But Experian`s automated service has my information, but it could not unfreeze it. I tried numerous times to reach a customer service agent, was not successful and Experian does not return messages neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian in regards to inaccurate and unauthorized accounts being reported on my credit report. They were not give permissible permission to report these invalid accounts and I demand these accounts to be removed due to improper and false reporting of accounts that i did not authorize.
Product: Debt collection

I was checking my credit report and there was information from a collection agency Credit Collection Services for XXXX XXXX. I did not receive a bill from neither the collection agencies or XXXX XXXX. I have two insurances and supplemental insurance XXXX pay through my job, so there was no reason for the company not to be paid. I was not given an opportunity to pay or dispute the information. The collection agency provided the same information three times to the credit reporting agency The amounts are {$100.00} and {$140.00}. 

I want this information removed immediately. This is causing serious hardship for me and is interfering with me obtaining credit and job.
Product: Debt collection

Common Wealth Financial System, recently sent a letter AFTER placing these derogatory items on my credit report. The notice is Dated XX/XX/2019, I received XX/XX/2019, and the data was placed on my credit prior to notifying me of my right to dispute. 
Actually it was noted as XX/XX/2019. 
Per FCRA you should notify the consumer, this company violated the FCRA and has damaged my credit. 

Please review the attachment for reference.
Product: Credit reporting or other personal consumer reports

I submitted a request for a block of adverse information that was included in my consumer report that was a direct result of my XXXX  and status of a XXXX  of XXXX XXXX. I also submitted a XXXX of my status as a victim of XXXX XXXX  signed by a notary of the state of XXXX  and XXXX denied to block adverse information. 

Under 15 U.S Code 1681, 605 b : ( XXXX ) XXXX XXXX.The term XXXX  documentation means ( A ) documentation of either ( i ) a determination by a Federal or State government entity that a consumer is a victim of XXXX  ; or ( ii ) a determination by a court of competent jurisdiction that a consumer is a victim of XXXX  ; and ( B ) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of XXXX  in XXXX  or XXXX XXXX  of which such consumer is a victim. 


As per their instructions on their website for information for victims of XXXX XXXX they require a " A XXXX, which is a statement prepared by you ( or your representative ) stating that you were a victim of XXXX XXXX  that is certified by an authorized employee or representative of a governmental agency or non-governmental entity ; be provided '' I provided a notarized attestation of my status as a victim and they denied my request and violated my rights under this law. A notary is considered an " public XXXX of the state of XXXX  '' and has legal authority to validate my self-attestation affidavit that I provided to XXXX. 

I would like to enforce my rights to the full extent of the law as the denial of the blocking of this information is further contributing to my suffering as a victim of XXXX XXXX. I would like financial compensation of {$1000.00} per violation and immediate removal of all adverse information as remedy.