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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The hard inquiry XXXXXXXX XXXX XXXX XXXX ( Auto ) was not made by me XXXX XXXX this is a result of identity theft and I would like this removed of my consumer report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the information currently present on my consumer report. My name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It has come to my attention that there are additional credit inquiries, names, addresses, phone numbers, and employers listed on my consumer report that are inaccurate. These inaccuracies are a result of my nonpublic personal information being shared by financial institutions with consumer reporting agencies without my written permissible purpose or a court subpoena, which is a violation of the Fair Credit Reporting Act. 
In compliance with the Fair Credit Reporting Act, obtaining a consumer report on an individual is only permissible if the consumer is explicitly informed in writing, or by mail within three days from the credit inquiry date, that an investigative report may be generated for them. The individuals listed below failed to furnish written disclosures to me, and I request the prompt removal of these unauthorized inquiries from my records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Experian I kindly request the following actions : Delete these unauthorized credit inquiries associated with my consumer report immediately and permanently. 
Delete all other names, addresses, phone numbers, and employers listed on my consumer report. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Checking or savings account

My wife and I were getting ready to run into the hardware store by our house and she got notified that some charges were posted to her account from another town ... long story short I did not have my phone so when I got home I looked at my chime account and the same gas station had taken out XXXX every 2 to 3 mins and took over XXXX XXXX .I made a police report and gave chime the report number and have contacted numerous times only for them to say I am getting denied my money! My card is with me and always have never with anyone else and I didn't authorize or give anyone permission to take out XXXX every two to three minutes ... ... It's a gas station and I've done and called and made a police report and I haven't worked in the past year due to a illness that has left me XXXX! I have a family with bills and this is hurting my kids and don't know what else to do it's been dispute after dispute and I really need my money to pay bills!!! Plz help I'm begging you I did not authorize these charges!!! My wife won her dispute right away
Product: Mortgage

My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation?
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  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. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.
Product: Bank account or service

Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!
Product: Debt collection

XXXX XXXX from XXXX called and stated that my check did not go through. I told him that I apologized and that this bill is not the only XXXX. I had XXXX other checks not go through but the money was there. I do n't not carry my debit card on me.. I told him that I was going to call the bank and see what is happening. He said exuse me. Phone line then got disconnect. Meanwhile he is calling me while I am at work. He called XXXX times demanding to speak to my boss. He wanted his phone number and demanded that he speakes with him. My coworker stated that I was unavailable and that he need not to be calling a business and clogging up phone lines.He then called my dad stating that he was going to have me arrested for writing a bad check. and I had till XXXX to get back to him.
Product: Debt collection

I am writing to formally demand the immediate removal of the disputed debt from my credit report. Despite my previous dispute, your company, Jefferson Capital Systems LLC, has failed to verify the debt and has not removed it as required under the Fair Credit Reporting Act ( FCRA ).

Jefferson Capital Systems LLC has a documented history of non-compliance with federal regulations. In XXXX, the Federal Trade Commission ( FTC ) filed a complaint against your company for deceptive practices, resulting in a settlement that mandated at least {$110.00} XXXX in consumer redress. 

Additionally, Jefferson Capital Systems LLC has faced multiple lawsuits alleging violations of the Fair Debt Collection Practices Act ( FDCPA ). For instance, in XXXX, a class action lawsuit was filed against your company for failing to disclose that it was not authorized to sue plaintiffs on their debts due to the age of the debts. 

Under the FCRA, you are obligated to ensure that all information reported to credit bureaus is accurate and complete. The continued reporting of this unverified debt constitutes a violation of my rights under the FCRA. 

I demand that you immediately remove this disputed debt from my credit report and provide written confirmation of its deletion. Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal action for damages resulting from your non-compliance. 

Please be advised that I am fully aware of my rights under federal law and will not hesitate to take further action if this matter is not resolved promptly.
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. 


XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

CFPB team, SST/XXXX XXXX Please remove the account SST/XXXX  for failing to provide the original signed the consumer contract per section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. I have requested the signed original contract They have not sent me anything with my signature instead they have mailed me account statements which do not constitute as the signed consumer contract yet this company continues to violate my consumer rights. Please delete the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX set me up with equipment that raised my bill and failed to fix a problem for 7 months, and had me renew my contract under false pretences by sending a technician to my home and tricking me into believing that my service issues were resolved, and they were not. So I cancelled the contract under false representation of their service. XXXX is trying to charge me an early termination fee for which I dispute being I would not have renewed with XXXX if they would have fixed the issue with my boxes buffering. While we are still in the process of negotiating a fair price XXXX reported a collection on my credit in an attempt to denigrate my character. I have not had a late payment or collection on my credit in over 15yrs. And the final decision had not been communicated to me as a matter of fact no manager has called me back as of date. Nor has their been any attempt at reimbursing me for the 7 months that my service was not working. The collection has not been resolved yet XXXX reported to the credit agencies without attempting to return my phone calls.
Product: Student loan

I was unable to pay my loan due to unemployment and then being XXXX. I am now a XXXX and struggle to pay off my loan with Navient ( XXXX XXXX ) which has ballooned from a {$52.00}, XXXX loan to {$120.00}, XXXX. I do not know how I will pay off this loan in my lifetime and they will not agree to a reasonable settlement. The company has harassed me and did not provide a decent solution until I was almost about to be sent to a creditor or debt collector. 

I am also in debt with the federal government and have been told confusing information about the public loan forgiveness program.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report. These items contain inaccurate, unauthorized, unverifiable, and potentially fraudulent information, violating federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
15 USC 1681e ( b ) ( FCRA ) - Ensures that all reported information, including auto finance accounts, is accurate. Any inaccuracies in reporting, such as an incorrect last reporting date or payment history, violate this standard.

15 USC 1681s-2 ( a ) - Places a duty on furnishers of information ( like auto finance companies ) to report accurate information to credit bureaus. Failing to update or correct this information breaches their duty to report accurately.15 USC 1681i : Unverifiable information must be corrected or deleted.Privacy Standards : Under the Gramm-Leach-Bliley Act ( GLBA ), reporting my personal information without consent constitutes a breach of privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today
Product: Debt collection

Denying my request without offering factual determinations or providing clear and valid reasons for the denial questions the authority of the bureau to make such decisions without conducting a proper and thorough investigation. The removal of the fraudulent accounts by other bureaus is a clear indication that the allegations of fraud are substantiated. It is perplexing why TransUnion seems to be ignoring my legitimate requests, undermining the credibility of the bureau in the process. What is particularly confounding is that other credit bureaus have acknowledged the fraudulent nature of the accounts and have promptly removed them from my credit report. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 

I demand an immediate and comprehensive review of my dispute. The denial of my request without a proper investigation is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I expect TransUnion to rectify this situation promptly. I insist that Transunion provides a detailed and fact-based explanation for the denial of my request, including the specific reasons for rejecting the removal of the fraudulent accounts. Failure to comply with this demand will force me to escalate this matter to regulatory authorities and seek legal recourse.
Product: Debt collection

Company contacted my wife and my mother and released information to them in regards to a student loan I have with XXXX XXXX. They contacted me and left me a voicemail as well stating they have contacted my girlfriend and my mother and that they are n't " playing games '' with me and that I needed to contact them as soon as possible before they file legal suit against me. Then my wife sent them an email asking for more time and the email she got back from them was completely out of line. This is what the email said " This is exactly why we do not do voluntary payments arrangements. I gave you a gift to pay {$50.00} per month, and the very first payment, you do not mail it. This is to be paid absolutely, positively ever month. Just like your rent. Your landlord is not concerned with medical bills and everyone with children deals with them being sick. But you still get the payment in no matter what. You owe our client {$3500.00}. I was trying to help you to accept your offer. Shame on me thinking you would do it. '' I am not happy with the way they are communicating with, XXXX and my wife. I do not know what to do. We are willing to pay but the service we are receiving is beyond me and comes off as harassing.
Product: Debt collection

Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed XXXX times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to place a temporary lift of my credit freeze with Equifax. It is XXXX. I first tried their automated phone system, which takes me all the way through entering all my info and then says that it can not complete the operation and directs me to their website. For the last 48 hours, I have tried logging into their website. I can successfully log in, but the link that would allow me to manage a credit freeze leads to a page which does not load. I called one of their customer service numbers this morning and was able to connect to a person, but that person had incorrect information about my credit history ( mortgage and car lease ) and refused to grant access to my account. They redirected me to a different number which I have been calling and not getting through to for the last 4 hours.
Product: Checking or savings account

Received a response from Wells Fargo and they simply tried to brush off a complaint with a standard response. CLEARLY in my email it mentioned that I was eligible for the {$250.00} bonus and I have met the 10x transactions requirement. This so called private invitation had a public url " XXXX XXXX XXXX ''. If there was some error along the way, should n't Wells Fargo be held accountable for their mistake and own up to it? I am filing another complaint as I feel I am being unfairly treated by Wells Fargo.
Product: Debt collection

I do not know who these people are. I never had any notice of any debt from them. Credit Bureau Associates is in violation of the fair debt collection practice act.     Specific violations  are 15 U.S. Code 1692c - Commu nication in connection with debt collecti on ( a ) Communication w ith the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt coll ector may not  communicate with a consumer in connection with the collection of any debt -- You did not have prior consent directly given to you by me, the consumer or you did not receive express permission of a ny court of competent jurisdiction to communicate with me, the consumer. You have also violated the fair credit reporting act. 15 U.S. Code 1681
Product: Debt collection

The XXXX failed to file claims with multiple insurance companies so I paid them and it remains on my credit report as collection unpaid.
Product: Checking or savings account

I am locked out of my own pay. Both private XXXX  life insurance with XXXX XXXX with a lifetime guarantee. Since it was issued. Only receiving, a late in the rears 3 months short term XXXX pay in XXXX and filing for XXXX  with documents to support XXXX claims, to both Guardian, social security, XXXX, and locked out of my retirement account, that is not to be jointly accessible by anyone, requires a XXXX access with background check and a XXXX special forces member and my awards issued of {$1400.00} to XXXX still not in my hands. As all my accounts at Chase bank that I am legally enrolled from day one, Ive been denied access to all of my income, my assets and my healthcare since XXXX!