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

I sent out a dispute letter regarding inaccurate personal information reporting to my credit profile. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers ' right to privacy.

Experian is a consumer reporting agency and I am the consumer. These agency have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

US Department of EDU is a financial institution by definition under that title. 

15 USC 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

US Department of EDU is the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and US Department of EDU whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer can exercise that nondisclosure option. US Department of EDU Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. This account is an adverse item they are reporting again without permission which is against the law.

15 USC 1681 section 2 ( a ) ( 1 ) states 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. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. 

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

FCRA violations : Trade line for paid off vehicle is not reported
Product: Credit reporting or other personal consumer reports

I contacted Transunion in XXXX of XXXX regarding accounts that were listed on my credit report that were not mine. In XXXX they told me that I had to mail them a letter. I mailed the letter to them and they still did nothing. It is now XXXX and this account, these inquiries, and the incorrect personal information is still on my credit. The account is not mine. I have never authorized anyone to use my information, nor did I benefit from this account in any way. This is unlawful and I want it all deleted immediately.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT THOSE ACCOUNTS LISTED BELOW AREN'T MINE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Wells Fargo bank regarding my credit card which is 2 months past due. I was trying to resolve this matter but was transferred 4 times. Once I located a person to speak with they informed they are located in XXXX and this guy was VERY RUDE!!! He wouldnt work with me at all. I tried to request a supervisor and he sent me back through automated recording. I explained to him why i was late on this bill. My grand daughter passed away on XXXX XXXX 2016 and had to be off work for a time period and the guy i spoke with informed me that was not a hardship. I dont understand how wells fargo can send their customers to XXXX and be told nothing can be done about the account except pay this off. I will involve an attorney if i need to and even notify other Wells Fargo customers that i know about what has happened to me.
Product: Debt collection

Subject : Unauthorized Credit Inquiries and Violation of Dispute Resolution by Statewide Credit Services I am reaching out to formally request your assistance with a matter involving unauthorized hard inquiries on my credit report by Statewide Credit Services. Unfortunately, there was no option in your selection menu that accurately describes this situation; please accept my apologies if my chosen category appears incorrect. 

On XX/XX/XXXX, I submitted a formal dispute with all three major credit bureaus ( XXXX, XXXX, and XXXX ) regarding a purported debt from Statewide Credit Services. I explicitly stated, I do not own or owe this account as I have no association with this agency. Additionally, I requested that all information be verified for accuracy and made it clear that I dispute this record in its entirety. 

Following this dispute, Statewide Credit Services failed to provide verification of the debt, and, as a result, the entry was removed from my credit reports across all three bureaus. 

However, on XX/XX/XXXX, I was notified by XXXX of a new hard inquiry on my credit report. Upon review, I discovered that this inquiry originated from Statewide Credit Servicesthe same agency whose debt was previously removed from my records following the dispute. Further investigation revealed a similar unauthorized hard inquiry by this agency on XX/XX/XXXX. 

Statewide Credit Services has conducted these inquiries without my permission or authorization. There is no established or ongoing relationship between myself and this agency, and given their failure to verify the debt, they lack any legal authority to perform credit checks on my profile. These actions are not only harmful to my credit score and creditworthiness but also appear to be unethical and potentially illegal, as they were undertaken without my consent and after the disputed debt was discharged from my credit history.

In light of these facts, I respectfully request that the CFPB investigate these unauthorized credit inquiries by Statewide Credit Services and hold the agency accountable for any violations of consumer protection laws. I further request that these inquiries be removed from my credit profile, as I did not authorize or initiate any relationship with this company. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent inquiry that has been incorrectly placed on my credit report. Upon reviewing my credit file, I discovered an inquiry that was made without my knowledge or consent. I want to make it very clear that this inquiry was never authorized by me and is a result of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I made the payoff payment of my auto/leasing loan with FirstBank Puerto Rico number XXXX, this payment was processed a week later, First Bank PR continue reporting a wrong information in on my credit report with XXXX that is prejudicial to me. FirstBank PR continue reporting that the loan is active open and with past due balance plus 180 days affecting my credit. 


I made a dispute with XXXX XXXXConfirmation Number : XXXX -completed on XX/XX/2018 indicating that FirstBank PR indicates that account is open and on past due, information thats not correct. I contacted XXXX  on XX/XX/2018, and they indicated that still ( according to the last reported day of FirstBank of PR on XX/XX/2018 ), they are reporting that the account is " Open '' and on " Past Due '' with more than 180 days, the correct information must be " Closed '' and " Paid off ''. 

Yesterday XX/XX/2018, I contacted FirstBank PR by phone and they indicated that they are going to send me a letter so that I can send it to XXXX by mail. I let them know that they are responsible of provide the correct and updated information to the different credit reporting agencies. 

They dont provide any further resolution either take an effective action to correct their actions.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX have been given me a hard time removing inaccurate information on my consumer reports i have send in notary documents and handwritten letters upon their request and in return no action taken place I am writing asking can you please look into this matter asap
Product: Debt collection

My original debt was sold to third party company ( XXXX  ) XXXX XXXX XXXX, it was paid off in as required by the company on XX/XX/2021 for the full amount. Acct number # XXXX reflecting on XXXX, XXXX and XXXX XXXX I wish this account to be removed off of my credit report from all 3 bureaus as it violates my privacy rights as per 15. U.S.C1681 section 602 A. As per 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. I also have proof of payments made to the company which has been sent to all parties before this complaint is being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX in XXXX, Texas has tried to balance bill an amount not in the contract with XXXX XXXX. They have sent the bill to multiple collection agencies though the insurance has told them the collection is not in the contract and is not billable. I have had to spend time with the collection agencies and XXXX XXXX XXXX XXXX XXXX repeatedly and the hospital is still trying to collect a fraudulent debt.
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. 

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 inaccurat
e.
Product: Money transfer, virtual currency, or money service

My original complaint with CFPB # XXXX. My mortgage company has had a check for {$10000.00} for over a year. The money is for my roof to be repaired on my primary residence. They contacted me on XX/XX/24 right after my first complaint was filed with CFPB. My contractor and I responded the same day with the required paperwork. Since then not only has there been no response but my online files are no longer there. The same link that my files are supposed to be they have an email option. I tried to email and it stops you on the tracking #. The only option that comes up is the word " select '' so it's impossible for anyone to send an email. 
Every time it rains my roof leaks. They have had my money to fix it over a year. I have emailed, faxed and uploaded the required documents several times with no success. I'm including screen shots of all the info i just gave you. Please help!
Product: Credit reporting or other personal consumer reports

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX XXXX XXXX I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sychrony Bank : Approved me for 2 furniture cards XXXX XXXX   and XXXX XXXX XXXX, blocked card for use and stated I need to verify my ss # and it will take 30 days, I ADVISED THEM IM IN THE MIDDLE OF CLOSING ON A HOME AND DIDNT KNOW I WOULD BE BLOCKED ON NEW APPROVED CREDIT CAUSING MY SCORE TO DROP 216 POINTS WHY ON EARTH ARE THEY NOT ABLE TO CONTACT XXXX AND XXXX AND MOVE THESE HARD INQUIRIES OFF MY CREDIT REPORT WHICH IS ON XX/XX/XXXX ADDED TO MY CREDIT AND NOT ABLE TO USE THE CARDS AND ALSO WAS DECLINED FOR A XXXX XXXX CARD WITH THEM WHICH IT ALSO CAUSED A ADDITIONAL 29 POINTS DOWN ON MY CREDIT I HAVE SPOKEN WITH THE CREDIT BURUEA TO HAVE THEM DISPUTE THE ISSUANCE AND THEY HAVE MY ACCOUNTS BLOCKED AND I ASK THEM TO DROP THESE CARDS SINCE IM NOT ABLE TO USE THEM AND I WOULD MAIL THESE CARDS BACK THEY STILL WOULD NOT DO ANYTHING AND I HAVE READ WHERE THEY HAVE DONE THIS TO A LOT OF CONSUMERS!!!!! I NEED THIS ISSUE RESOLVED MY CREDIT RESCORED AND I JUST OPENED THE ACCOUNT XX/XX/2019  AND XX/XX/XXXX IT WAS PLACED ON MY CREDIT AND BLOCKED WITH NO RESOLVE FROM THERE CUSTOMER SERVICE AGENTS NOR THERE ACCOUNT MANAGER.
Product: Checking or savings account

On the XXXX of XXXX, XXXX in the evening, I deposited 6 checks into my Citizens bank account at the Citizens Bank ATM in XXXX XXXX, XXXX. Massachusetts. 

I deposited 1 similar check also that evening into my Citizens Bank Business Account. 
The checks were all put on hold but after the next day, the check i deposited in my Business Account was cleared, while the 6 checks in my personal Account was still on hold..after a week, I called the check owners to confirm if the checks have been cleared from their respective bank of which they confirmed it has, but my bank kept mine on hold. I called Citizens bank and was told the money will be available for use on the XXXX of XXXX, XXXX. 
I went into the bank on the XXXX of XXXX and was told that my money has been out on hold until the XXXX of XXXX, XXXX. 

I have never heard check be put on hold for 5 months. I called again and was told it will be released on the XXXX of XXXX. On the XXXX of XXXX, I asked to speak to the department which is the Fraud and Claims Department. They were so so rude, I have never encountered such rudeness in my life. She stated that they won't release the funds to me. That there is inconsistency in the checks..then I asked her to either verify with the bank whose check was issued or just refund the owners of the checks so I can get cash instead... she hung up on me. I have explained to them that I have mortgage payments that are due and like wise car loans etc. 

This funds from the checks are mine ... .every one of us contributes monthly and gives the full amount to whom it's due... so there is nothing fraud about it ... they could have easily verified from the owners ... but 5 months I can't take ... it's so distressing emotionally especially when I know I have important bills coming up and children school fees. I need my funds or they refund the owners asap..and I can get my cash from them ... or I will sue for damages. 

Thank you much
Product: Checking or savings account

I think my identity has been compromised. I am traveling abroad to XXXX and on XX/XX/XXXX & XX/XX/XXXX fraudulent transactions took place in my Chase checkings account. That almost depleted my account by over XXXX USD. Two separate fraudulent transactions were occurred and one of  them was a check encashed by a person who I have not even heard of in my life. Not only that, my signature on check does not match my actual signature and hence ideally check should not have been processed. Also, I think the person has all my other information as next day another fraud happened in my account where money has been paid via ACH to a company named XXXX XXXX XXXX. I don't know why money has been transferred to them and this might be a much bigger issue if the fraud in this case has access to all other accounts. My biggest worry right now is that my money has been stuck and you can imagine how much stress will I be having right now as these are big transactions worth XXXX USD and XXXX USD respectively. I hope CFPB helps me out, I am more than happy to even go register an official police complaint. 

Chase will for sure follow their procedures but it is important that I involve CFPB as well so that I have someone who can use their clout and help me get justice
Product: Credit card or prepaid card

On XX/XX/2022, a balance transfer for {$1400.00} was requested from XXXX XXXX credit card to Chase credit card, this transfer was requested to Chase over the phone, as it has done before, the transfer information was stored in the system. 

Chase issued a check, that XXXX XXXX never received, when Chase was contacted, they disclosed that the check was cashed but not XXXX XXXX, the check was made and shipped to the wrong entity. 

Since XXXX, 2022, Chase claims they have been conducting an investigation, they are trying to get the funds back, while I have been paying both balances and accrued interests. 

The interest charges are as follow : XXXX {$18.00} XXXX {$18.00} XXXX {$21.00} XXXX {$21.00} XXXX {$19.00} A formal complaint was made with Chase on XX/XX/2022 and with the XXXX  on the same day and no resolution yet. We feel powerless and that we have hit a brick wall.
Product: Credit reporting or other personal consumer reports

I applied for a rental property and I not the company had been able to access my report. I have called numerous times and I have no credit file freezes or blocks on my account. I was told I would receive a call back and it would be resolved and havent received or heard from anyone. I am at risk of losing out on money I have spent for applying for this home and also losing the home in general because of this.
Product: Mortgage

In XX/XX/2022 we sent 4 payments for the total amount of XXXX. Our mortgage is XXXX a month. We were behind for XXXX. So, so that still would have left XXXX in XXXX we paid another XXXX, still leaving XXXX ahead. XXXX we paid XXXX which would put us XXXX ahead. In XXXX we made two payments of XXXX and XXXX, which would put us at XXXX ahead and it should have been sitting in what they call partial unapplied payments. In XXXX and XXXX, we could not make payments as I was not getting paid half the time from XXXX XXXX and we were ahead so there was no need to send payments that month. Which, would have left us with XXXX in the unapplied partial payments. In XXXX we sent XXXX which would have paid the remaining XXXX dollars on XXXX payment and left us with XXXX towards XXXX payments. We have all the money orders, bank statements, and money grams to prove these payments. 

When you look at their mortgage statements, other statements, and payment history you will see non of them match up with each other and a few payments on some of them match with ours. For example, the XXXX mortgage statement says we made XXXX payments and the payment history for XXXX only shows XXXX, while our money orders show XXXX payments. Their pay-off has jumped by over XXXX according to their records and with our payments made it has actually gone up over XXXX. You will see from XXXX to XXXX over XXXX dollar increase but we have not missed a single payment since XXXX. They are trying to take our home based on a statement that says we have not made a payment since XXXX of this year. Our records prove otherwise as do their payment history and mortgage statements. No one I have spoken to is willing to fix this issue. I was told my documents meant nothing and he could not use them to clear up my account. You can look at their statements and the money that is in the unapplied varies a lot with no records of where it went. at one point you will see that their YTD doesn't even line up with the amounts from the month before. We have asked that our taxes be taken off the escrow like our insurance was as we do not want them to pay anything for us because they are stealing our money and we want to ensure the taxes are paid every time they are due. So, far they have done so but they are trying to state that our escrow is behind and there is no way this is possible when we have not missed a single payment. They also did not file the homestead like they said they would for the taxes so I have to go do that tomorrow as well. I have spoken with 3 different people and gotten three different stories and no one will fix the issue at all. 

We need them investigated as I am sure we are not the only people with a large amount of money missing. We would like our funds put where they were supposed to be and the harassment about the money that is on the XXXX XXXX bankruptcy to stop. They keep trying to charge us for the amount that is on the bankruptcy knowing it is against the law to do so.