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

Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, Balance : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. 

I also filed a dispute with XXXX  for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX  dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? 
I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account Number XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report
Product: Debt collection

I made a debt settlement with Cypress Finical Recoveries with our layer XXXX XXXX in XXXX al for XXXX for so many months. They kept switching lawyers on us while we were making payments. 
The Debt settlement was made in full. 

XXXX county Al circuit court case XXXX. 

Now they are trying to do a garnishment of my check. Debt was paid in full Plus more.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

This is the feedback you requested from me about my complaint XXXX. With respect to my latest complaint, XXXX, the company ( Western Union ) stated that they would not communicate with the XXXXXXXX XXXX XXXX XXXX regarding the missing {$1000.00} I sent to XXXX through Western Union in XXXX. The money is still missing, and I have no definite statement from either XXXX or WU about what happened. 

XXXX denied receiving the money ( the receiver also denied ), and insisted on having the XXXX number so they can track it down. 

Western Union finally did provide that number, which I sent to XXXX. 

Now XXXX said that was not enough and wanted to communicate with WU. I thought this was a good sign. But WU refused to communicate with them. My feedback is my latest complaint about that refusal. 

So I am puzzled as to what to do next.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request the removal of a fraudulent account from my credit reports. In or around XX/XX/year>, my card issued by XXXX was compromised. Upon discovering the fraudulent activity, I promptly contacted XXXX to report the issue. They subsequently canceled the account ; however, no one contacted me to review the fraudulent charges or provide clarification regarding the investigation. 

Despite my repeated requests, I have not received any information or an explanation from XXXX regarding the investigation. The physical card number was stolen, which XXXX has claimed is impossible. However, from my research and reading similar cases online, it seems such thefts are not uncommon. 

Unfortunately, this fraudulent account and its charges are still being reported on my credit files, negatively affecting my credit standing. As these charges were made without my knowledge or authorization, I kindly request that you assist me in having this inaccurate information removed from my credit reports at all relevant credit bureaus. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance.
Product: Mortgage

Hello I writing in regards to an issue I am having with my mortgage servicer NewRez. My husband passed away XX/XX/XXXX. I submitted documents in XX/XX/XXXX to have my mortgage deed transferred in my name. According to his Last Will and Testament and Revocable Transfer on Death Deed. The surviving owner will be sole owner of the property. Newrez placed on the mortgage in the Estate of. This has caused me much frustration and issues. I received a letter from Newrez on XXXX XXXX, stating due to the complex issue they needed more time to resolve. I never heard back from them, so I called Customer Service on XX/XX/XXXX and was told the only option I had was to refinance my loan and proceeded to transfer me to a Loan officer. I advised her that is not what I wanted to do. And I disconnected the call. I'm very frustrated at this point and would like some type of resolution to this matter. It seems as though the C/S rep didn't know the correct answers or try to find out if there were other options. 
Thanks
Product: Bank account or service

In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.
Product: Credit card or prepaid card

I have a Wells Fargo Active Cash card I applied for in XXXX. To start, the credit limit they gave me was insulting. My most recent issue has to do with a payment I made. I made a payment on XX/XX/2022, which posted to my account online and was taken from my checking account on XX/XX/2022. My card was declined at a grocery store today, XX/XX/2022, but when I left the grocery store the charge was sent to me from Wells Fargo 4 times. I called Wells Fargo and they told me I could not use the card because I reach my limit. They said that my account payment was on hold for XXXX weeks to ensure that the funds are legitimate. I have use this same checking account to pay off my card before, they already have taken the funds out of my checking account 2 days ago, and they also posted the funds as if they cleared to my card on my online banking. How can a credit card company take my funds from my checking account and not post them/hold them on their end when theyve already taken the money? I am not sure how to move forward with this, but this is completely unacceptable and in my eyes fraudulent. If I made my payment and they took the money, it should be applied to my account on the date the money with withdrawn from my checking.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

XXXX setup a new credit card with Wells Fargo and successfully made a payment online using my XXXX checking account. Now Wells Fargo will not allow me to use my XXXX account to make future online payments. I called customer service and the only suggestion they had was to open a new bank account. That is not acceptable. I searched the internet and this is apparently a known issue with Wells Fargo, yet they refuse to acknowledge the problem is on their end and place blame on the consumer and the other bank, despite this issue occurring with multiple different banks. They acknowledged it was a weird situation, but straight up refused to do anything other than tell me to open a new checking account -- just to make payments for this credit card. That is incredulous and I have never had this issue with any of the many credit cards I have had over the years. The problem is not on XXXX 's end, it's on Wells Fargo 's end. I also submitted a XXXX  complaint. I believe this is Wells Fargo 's attempt to push people into setting up a bank account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : XXXX XXXX and Equifax In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage XXXX XXXX dropped my score XXXX XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



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

I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX Transunion received my letter on XX/XX/2021 at XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my Experian profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However Experian fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer here by put you Early warning consumer reporting agency, a united state corporation on a final notice of violation of FCRA. 

You are reporting a fraud on my credit report which is defamation of character and i gave you may opportunity to provide documentary evidence to back up your claim and you have failed the procedure in investigation which is a violation of the FCRA law below : 1. 603. Definitions ; rules of construction 15 U.S.C. 1681a ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 2. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( e ) 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.

You never provided me any evidence or factual information on how you obtain your information by reporting fraud on my information.

3. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] CIVIL LIABILITY I have tried to resolve this dispute in good faith but you have failed, you are hereby civilly liable to me under [ 15 U.S.C. 1681n ] 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information being reported on report, FCRA, FTC AMD CRA violations accounts : XXXX I XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts from Equifax and they are still reporting inaccurate information. I need the information I disputed deleted asap it is hurting my credit score and affecting my livelihood. 

Demand is hereby made for Equifax, XXXX, and XXXX XXXX to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information. 

Thank you for your prompt attention to this matter.
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 's my understanding that transunion will investigate this account for me to ensure accuracy here are the accounts Iam asking you to verify as accurate : XXXX : Account Number XXXX XXXXXXXX XXXX  : Account XXXX XXXX : Account XXXX XXXX : Account XXXX
Product: Credit reporting or other personal consumer reports

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Product: Checking or savings account

This is my fourth complaint on Wells Fargo Wells Fargo 's really needs to stop the abuse I will be attaching information to show that Wells Fargo 's is not being accurate with the information that they're being told to the customer 's meaning a transaction that was already posted for some reason now is pending overdraft fee I overdrafted my account on a Saturday I am aware of the overdrive the overdraft was {$800.00} now all of a sudden all these old transactions that was already pending and paid for are now impending mode to be charged overdraft fee this bank is very abusive they do not care about the people they just care about the money and robbing people the reason I say that is cuz this is an ongoing thing I have overdraft protection for a reason for protection the {$800.00} that I took out of the ATM withdrawal was for my protection cuz I had to pay one of my bills I do not have a problem in paying {$35.00} for {$800.00} overdraft that I agree that I did but I do have a problem in paying {$35.00} multiple times on transactions that have been posted into my account when nothing pending also I noticed that I did some transactions and the transaction comes out and it says that it will be posted on the XXXX the transaction was done on the XXXX of I'm a mistake this is the crime that Wells Fargo 's done and hopefully the federal government will investigate them and see that I'm I'm not the only customer that has complained about Wells Fargo 's I have seen a lot of articles about Wells Fargo 's and the way they take people 's money but me is a definite abuse cuz I am a working person and I barely have money they'll abuse me in a simple fact that they charge me overdraft fee they claim that I have paid that they have paid me {$400.00} and something dollars I asked Wells Fargo 's the question how much overdraft have I paid within the 12 month period And I guarantee that is going to be more than {$1000.00} also the 24-hour grace period that you guys claim that you give the customers is a lie cuz if you notify the customer at XXXXXXXX XXXX. and you have to XXXXXXXX XXXX that is not 24 Hour preview so you go you guys do not give no 24-hour. Whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX -XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting the following fraudulent 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my XXXX and Experian report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX. I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Transunion due to identity theft. The dispute was completely ignored. I called Transunion and was unable to get a straight answer as to why they had not responded to my dispute. The rep suggested that I resend the information and provided me with a list oof documents to send. On XX/XX/XXXX, I resubmitted my dispute to Transunion and included my dispute letter, my drivers license, my social security card, a copy of my police report, my paper identity theft affidavit, and the identity theft report that I did online. I then received a letter XX/XX/XXXX saying that they received my dispute but not my identity theft affidavit. This is impossible. I sent it in twice. I do not believe that Transunion wants to help me and I think they are just trying to stall me out and continue to allow me to be the victim of identity theft. They are intentionally ignoring and stalling my disputes. I am the victim. I have been violated. I feel attacked by both Transunion and the person who stole my identity. I told the rep on the phone and I told them in my letter that this person stole my information, put it online on social media, and keeps using my credit to try to get things in my name without my permission or knowledge. I am fearful everytime my phone rings. I just want Tranunion to support me in fixing the things that this person did to me and they are ignoring me and stalling me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is appearing some inaccurate information, i saw my record and the credit bureus is reporting wrong information