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

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXXXXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Services, Not Elsewhere XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$650.00}
Product: Debt collection

i had a 2yr contract for sat.tv after 1yr they said they were raising the amount so i told them i was canceling. i was paid up at that time they were going to charge a penalty for canceling. they offered me 2 mo. free and then charged me any way so i canceled. iwas told i could'nt cancel i had a contract. if they can change my contract after 1yr why can't why can't i cancel
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXXBalance Owed : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to Transunion. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked TransUnion and XXXX to reinvestigate the inaccuracies to no avail. I have reported them as recent as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item with Experian many times. The company, XXXX has never sent or verified accuracy of service, proof of service, what services performed, etc., but Experian will not delete charge. All other cr edit agency es have disputed charge. I call to get a message put on credit report stating this is a pyrchased debt with no proof of service, but instead, Experian wrote some XXXX message that does not alert other companies to the real problem.
Product: Credit card

On XX/XX/2023, I applied for the American Express Gold card. I was denied credit and told that because of my credit score and rating that I would not be receiving any access to my credit. I have a right to credit and to be denied access to my securities and open-ended credit structure can be considered securities and trust fraud.

I feel this company is in clear violation of The Equal Credit Opportunity act. and united states Codes 15-USC-1691c 15-USC-1692k 15-USC-1681 15-USC-1611 and can also be classified as discrimination according to 12-CFR-1002 Because my Social Credit card was used in a Consumer credit transaction and I received no benefit, this is fraudulent and a direct attack on my rights in commerce.

Credit worthiness is not clearly defined, and I feel this is violation of 12-CFR-1002.7
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.
Product: Debt collection

I received a letter from XXXX XXXX XXXX law firm out of XXXX, GA stating I owed a debt of {$3200.00} for a Best Buy VISA card ( Citibank NA ). Account ending in XXXX. XXXX XXXX  # XXXX. I attempted to call the law firm on XX/XX/XXXX ( left VM - no return call ), and XXXX multiple times. I was told on XXXX that a Mr XXXX was my case manager and forwarded twice to his voicemail which dropped me back at basic recorded message. I could not leave a message. I then ran my credit report and found out more information. The card was supposedly opened on XX/XX/2018. I called Best Buy/Citibank and they said I would have to deal with the law firm. They provided an additional number and I left a voicemail. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccurate information that has been reported to the credit bureaus regarding my credit history. After reviewing my credit report, I have found that several creditors have reported negative information that is inaccurate and has damaged my credit score. 

Firstly, XXXX reported a charge off account with the account number XXXX. I have never had an account with XXXX, and this information is completely inaccurate. 

Secondly, XXXX XXXX XXXX reported a charge off account with the account number XXXX. I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Thirdly, XXXX has reported a collection account with the account number XXXX. I have no recollection of any outstanding debts with XXXX and have never received any communication regarding this debt. 

Fourthly, XXXX XXXX has reported a charge off account with the account number XXXX. I have no knowledge of this account and have never conducted any business with XXXX XXXX 

Fifthly, XXXX XXXX XXXX reported another charge off account with the account number XXXX. As mentioned previously, I have no knowledge of this account and it is likely that this is a case of mistaken identity. 

Sixthly, XXXX XXXX reported a charge off account with the account number XXXX. I have had a credit card with XXXX XXXX, but I have never missed a payment or had an account go into charge off status. This information is inaccurate and damaging to my credit score. 

Lastly, XXXX XXXX has reported two charge off accounts with the account numbers XXXX and XXXX. I have never had any accounts with XXXX XXXX and this information is completely inaccurate. 

I believe that these inaccurate and damaging reports violate my rights under the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA. I am requesting that these accounts be removed from my credit report immediately and that any damage caused to my credit score be rectified. I am also requesting a written confirmation from the creditors stating that they have removed these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

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

I applied for a HELOC and was informed there is a 2nd lien on my property from 10 years ago. Bank of America via XXXX XXXX XXXX is requiring payment of an expired debt to remove the 2nd lien. In NC, I understand I may no longer owe the debt.
Product: Debt collection

About two months ago received an e mail Mariner Finance that I had opened an account with them. This e mail was ignored thinking this is just another scam. On XX/XX/2019 received another e mail stating the payment is now past due. There is no account number or amount provided only four different ways to pay. I decided to call and let them know they have the wrong person and that I have never done business with them and have never been near the address in Georgia provided. The number called was XXXX and I talked to a XXXX XXXX. She told me the amount was {$1600.00} that was given to somebody via USPS where they apparently only needed to sign the check to open this account. She confirmed the last four digits of the SSN were not mine and would check into the matter and call me back. There complete address for this office is Mariner Finance XXXX XXXX XXXX XXXX, XXXX, GA. 
I contacted the State of California Bureau of Security and Investigation that sent me a letter stating I need to call the  Federal Consumer Financial Protection Bureau XXXX which I did and they directed me to this site to report the crime. I called Mariner back today and was given a customer support number XXXX that told me go tell the police because someone has committed fraud against me so I told them Mariner is the one attempting fraud. At that point they essentially told me the go to XXXX and hung up. It is very clear Mariner is running a criminal operation and given my age appears to be targeting the seniors. Please stop them before they do any more damage.
Product: Payday loan, title loan, or personal loan

Had acct with amazon for 12 years, last money they charged my credit card for 2 items my son bought. I complained, no response, so told my credit card company. 

On XXXX they blocked my acct. I faxed them 4 times the info they wanted and I put {$130.00} into the acct that day I still can not access. I told them the credit card to take the money out of but still no response from them, it's been over a week.
Product: Student loan

I had consolidated my student loan back in XX/XX/XXXX, for XXXX and lost my in XX/XX/XXXX. My servicer was Nelnet I was only offered a forbearance which I did not know it racked up interest and fees and fell even more behind. My taxes were withheId numerous times from Dept of Education I filed for Bankruptcy in XX/XX/XXXX and XX/XX/XXXX trying to get caught up but never did. Fast forward to now My loan was transferred to XXXX. They tried to garnish my wages for an amount of XXXX. I have asked for a statement to see how payments, interest and fees were applied and only got partial years. I went to Dept of Education Ombudsman and was told that Nelnet refuses to let me have a statement of how my loan was processed, they say that they can not release confidential codes so I must trust that the number is correct or supply a statement myself to dispute the charges I cant believe that I do not have access to my payment records or how interest and fees were calculated and just flippently say it looks right to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : 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

Today, XX/XX/year> I received a very rude phone call from Ashley furniture representative. She basically dared me to produce more evidence and tried to say that they did nothing wrong. I proceeded to take three videos within a half hour of that phone call and have sent it to them. I want no more interaction with that person or anyone below senior management. They can come get their chair you will see. Its ready to go in the pictures and they can give me my money back if they want to continue to threaten me and escalate this I have no problem fighting back against them. I am hoping for a quick resolution to this as it is affecting my health and my recovery from XXXX XXXX for which they do not care about. 


As I was unable to load the videos, I have provided screenshots that they have received them through email as requested so they can not deny that I did not cooperate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ XXXX ] XXXX XXXX [ XXXX XXXX ] [ XXXX ] XXXX : XXXX XXXX XXXX ] [ XXXX ]
Product: Student loan

I have been in a interest only repayment program for years. Extra payments were not applied to principal. Never informed me of other payment options. Denied me my actual balance on several attempts. Misled me for over XXXX years. I have already re-paid almost 4 times what I originally borrowed and still owe almost 3 times. Ruined my credit for years, costing me to finance things throughout my life. XXXX 's of hours on the phone trying to resolve issues with very little success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to TransUnion on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX XXXX they received it and put a fraud alert in my report. In XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report. I also had an account that was deleted because it not mine added to my credit report. The creditor is XXXX XXXX. 


I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I have sent payments twice by mistake to XXXX XXXX by check # XXXX and online both for {$480.00} and both payments were posted on XX/XX/2020 sent an email to Wells Fargo bank notifying of the error and requesting to void one of the transactions since the account was overdrawn because I did not have sufficient funds to cover twice the same payment. Since I have had problems of this nature with this bank in the past I had requested a long time ago to remove the overdraft option on the checking account, and here is again they paid both payments and charge an overdraft fee of {$35.00} on XX/XX/2020 then another payment enter for XXXX of {$97.00} on XX/XX/2020 and it was paid and another overdraft fee of {$35.00} on XX/XX/2020. At this time the account is overdrawn by XXXX. 
I have sent the message online through the website as soon as I discover the 2 payments being posted to the account and until this days nothing has been done. 
Here is the message and response I got from email : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 

I received your email about the check and preauthorized payment made out to XXXX for {$440.00} on XX/XX/2020. 

I certainly understand your concerns and I am more than happy to review this inquiry for you. 

To investigate this charge, I have opened a claim. Your claim reference number is XXXX. Please provide this number when contacting us about your claim. 

Once the claim is resolved, if approved, you'll receive a refund for the transaction and any related fees assessed to the account. 

We resolve most claims within 10 business days. 

If we need more time to complete our research, we'll apply a temporary credit to your account. 

At this time, you don't need to take any additional action. If we need information, we'll contact you. 

You can check the claim status or cancel the claim by calling us at XXXX. We're available Monday through Friday from XXXX XXXX  to XXXX XXXX  and Saturday from XXXX XXXX  to XXXX XXXX, Eastern Time. 

Thank you for your business. We're happy to have you as our customer. 

Sincerely, XXXX XXXX. 
Wells Fargo ORIGINAL MESSAGE : -- -- -- -- -- -- -- -- - I have made a payment to XXXX twice by mistake and now the account is overdrawn both payments enter yesterday check # XXXX and payment made online, this was made in error would like on of the two reversed so the account don't be overdrawn and remove fee as well Thank you, XXXX XXXX XXXX "
Product: Mortgage

I am in the middle of a chapter XXXX, have Owen as my mortgage holder owe XXXX my loan and my house is not worth XXXX, they told my attorney I qualified for a modification after 3 months of sending paperwork, sent it wasnt available to me, no reason was given, other then I didnt qualify. I have had nothing but TROUBLE with Ocwen, and my attorney has tried to resolve many issues, all letters have gone unanswered, by Ocwen. I just wan na safe in keep my home Ive been in for the lat 20, years Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and Macys on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXXXXXX  ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX Make sure to fill in the brackets with your information and any specific details related to your dispute. If you have any documentation, its a good idea to reference that as well.