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

In accordance with Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated to ensure that consumer reporting agencies execute their substantial duties with a commitment to fairness, impartiality, and a conscientious acknowledgment of the consumer 's right to privacy.

Consumer reporting agencies, namely Experian, operate within the scope of their responsibilities, are required by Law to respect the privacy of its customers and to respect the customers non public information.

I have requested Experian remove accounts multiple times.

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.

the financial institution and the Consumer reporting agencies Experian do not have my consent to furnish this information and they surely do not have my written consent. 



I have asked Experian multiple times to remove accounts from my credit report and they continue to delay, which has resulted in a denial of a XXXX Dollar auto loan. 



REMOVE THE FOLLOWING ACCOUNTS XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX I am now giving written instruction to remove the hard inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXXXXXX XXXX Remove all soft inquiries from my account in which I did not consent XXXX XXXX XXXX Is the only name that should appear on my credit report. 



Remove XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Remove Addresses that are non mailable XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXXXXXX XXXX XXXXXXXX VA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family Remove Cell Phone Numbers that are no longer in my name ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Remove Spouse of Co Applicant XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00}
Product: Student loan

I have a Parent Plus loan held by EdFinancial. I just requested a refund on my payments for {$11000.00} via a check to be sent to my home address. The person on the phone mentioned that it would be at least 6 months minimum to get a check sent out to me. I asked if there is anyway I can get a status of when the check will be sent out and they said I have to wait 6 months which is unacceptable. I made the call on XX/XX/XXXX.
Product: Credit reporting

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Equifax Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Equifax was mailed certified on XX/XX/XXXX. Not receiving an updated credit report and it is now XX/XX/XXXX. I am filing a formal complaint with the Consumer Financial Protection Bureau. 
I have copies of all letters and police report information sent certified to Equifax by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
Product: Credit card or prepaid card

On XX/XX/2022, I received a telephone call from someone stating they represented Citibank corporation regarding a credit application that was opened in my name. I did not complete this application nor have a signed credit with Citibank corporation. The representative stated that he was reaching out to me because the email seemed fraudulent. He also mentioned they would deny the application and suggested that I contact the federal trade commission to report this fraud because my personal information had been compromised
Product: Mortgage

on XX/XX/2024 I sent my cashier check payments by priority mail to amerihome mortgage companys payment processing center. XXXX mail tracking shows that my payments were delivered on XX/XX/XXXX, XXXX on XX/XX/XXXX i recieved a call from amerihome mortgage stating they had not recieved my payments. ive tried explaining that they recieved hem by mail and when. ive also gave them tracking numbers. Theyre now asking me to get something from my bank showing whether the checks have been cashed or not. I should not have to go through all this just to pay my mortgage. I feel that amerihome has lost my payments and they need to fix their mistake. i have recipts from the bank where i got the cashiers checks as well as the tracking showing they recieved it. this comapny has been horrible to work with. with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Debt collection

Jpay arbitrarily listed a simple charge card of {$5.00}. The representative listed it as a cash advance fee and I now am paying {$40.00} for this charge. The representative was very rude and I think, purposely did this. I want this company reported for incorrect charges and false listing of charge.
Product: Debt collection

Accounts were disputed and not removed from credit report. Said companies continue to harass and contact me about a debt owed
Product: Credit reporting or other personal consumer reports

Equifax is reportiomg Inaccurate XXXX  XXXX XXXX  and XXXX XXXX on my credit report. This record has been proven to be inaccurate.This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. The filing date, case number and name of the XXXX  court are inaccuracte. According to 1681i of the FCRA, you must investigate my dispute and provide me with the results of your investigation within 30 days.Should you fail to do so, please be aware that I will consider pursuing legal action for willful noncompliance under 1681n of the FCRA. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score As required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Please see the attached remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Please delete the item as soon as possible. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo and its co-branding agent, XXXX XXXX, represent to their prospective customers that the in-home window sale purchases being solicited are for a " loan '' ( closed end ) to be provided by Wells Fargo bank. However, it turns out that the " loan '' is a credit card product with the windows purchase-price already placed on this open-ended credit card account. This account is fraudulently reported as an open-ended, revolving credit card account on our credit histories, which harms out credit scores.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I Sent dispute letter to validate 2 accounts & Equifax responded with by saying " Verified '' without proper investigation & explanation how they verified those 2 accounts. I went to check my credit report & it was still reporting incorrect information from the 2 other credit bureau. I sent 2nd dispute letter on regarding XXXX asking to reinvestigate accounts from 1st letter. I also send out on XX/XX/2023 a dispute letter for unauthorized inquiries pictures are listed down below. They did not respond in 30 days & dispute letters were sent certified mail with tracking number listed below in pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to XXXX and Equifax to get a Federal Tax Lien dating back to 2010 removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a  change to my credit report.
Product: Mortgage

I was pre- approved for the loan 6 months or more prior to the loan being issued. Closer to the loan date I was asked for more information all of which I provided in a timely manner ( less than 48hrs ). I was using a program that claimed to rent out my previous home while I purchased a new Home. I had a signed lease agreement from he leasing company guaranteeing me a certain amount x 3 years and this was a company used by the builder who built my home. Also the loan company was recommended to me by the builder. About a week prior to closing I was told I needed a signed lease agreement by a tenant ; I was told I could fake one but I was uncomfortable with this legally. After I made my concerns heard, I was told they could appraise my previous home and they would rush this. It all went through but I was not informed that my closing date would be pushed back ; this lead to 3 extra nights in a hotel, my furniture being placed into storage and all of our screws to re-connect our furniture being lost and a lot of stress. I complained to the company then but they said they can not guarantee a closing date ; a fact that I wish they would have told me several months prior. It was the underwriter who was holding up everything. I have a good job and decent credit with no late payments ever so ... the only thing I could think of the underwriter had concerns about was my race- I am XXXX. I let this go ; I made my first payment early because I had the money and was changing jobs so did n't want anything to be seen late- the check was cashed on XX/XX/XXXX ; my first payment was due XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating I owed 2 months payments. I emailed and called ; I was told the payment was applied XX/XX/XXXX on the phone but when I logged into the website it said the payment was applied XX/XX/XXXX -- so no letter should have been generated XX/XX/XXXX. Again I feel like they want to cause me XXXX and just assumed I would not pay because I am XXXX. I sent direct complaints to the company x2 with no response. I wonder how many other people have had these issue with this company.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 inaccurate.
Product: Credit card or prepaid card

I'm trying to get a new credit t for the first time in I can't get one and I want to know why
Product: Debt collection

I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.
Product: Mortgage

I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with the collection agency and requested a validation of debt. The Validation that they sent over for this alleged debt not only did not meet the requirements of the FDCPA, but also had the incorrect information on it. How can this debt be validated with all of these inaccuracies? I demand that this account be removed immediately or Experian will also be held accountable for this negligence and inaccurate reporting. I've attached the letter that I sent and the documents that were returned for proof of this inaccurate reporting and violation of my rights.
Product: Credit reporting or other personal consumer reports

On my credit report from Experian, there is a debt owed to some company named XXXX XXXX XXXXXXXX in XXXX XXXX, CA. I filed a dispute with Experian and they indicated as valid and updated the collection agency ( which has never contacted me ) named XXXX XXXX XXXX had a correct claim against me from some business named XXXX XXXX XXXX for {$900.00}. I wrote a letter to XXXX XXXX XXXXXXXX to ask what this was, and the letter was returned to me " return to sender-attempted-Not known-unable to forward ''. 
Experian and this collection agency and this company have never produced any documentation that I owe {$900.00} to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am opening this for the second time. JPMCB refuses to provide any information to me in regards to this account. I have requested they send me any agreements, contracts invoices bills receipts.. but they wont do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a modification process with Wells Fargo some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now Wells Fargo. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting or other personal consumer reports

My account with ( DPT EDXXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DPT EDXXXX, XXXX XXXX XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports