23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I cosigned for a student loan for my son, XXXX XXXX XXXX, with Wells Fargo. His forbearance ran out on XX/XX/XXXX and our understanding is that he received a temporary forbearance if we paid the entire amount ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX.  Separately, we are trying to refinance our VA mortgage with a really great deal - 2.75 % interest rate with 0 points with closing in late XXXX. Our mortgage refinancer called us yesterday to tell us that our credit rating was way below their standard for this refinance loan. Turns out that Wells Fargo reported us to the credit bureaus as 60 days late on our student loan payment. We called one of their telephone representatives, who told us that the loan was on forbearance and Wells Fargo would respond in 1-2 days with a letter for our refinance company explaining that it was Wells Fargo 's mistake ( so we could keep the refinance application alive ). She even said she would call her supervisor to expedite this letter. I called today ( XX/XX/XXXX ) to check on status and I was told that Wells Fargo does not write this kind of letter. I would have to open an investigation into the issue and that would take about 5 days. Also, I was told that the loan was 60 days late. Wells Fargo has provided extremely misleading information both as to the status of the loan payment and in the information provided by their telephone representative. This information has materially damaged our credit. The damaged credit cost us a great mortgage refinance opportunity.
Product: Debt collection

For over a year, I have been receiving robocalls from Harris & Harris , Ltd . The calls state that they are debt collectors, and to please call their office during office hours. These calls are bogus calls, because I've never had debt, and my credit is in excellent status. These calls can also come multiple times per day. I am finally getting so annoyed that I am filing a complaint to stop the calls.
Product: Credit card

Filed FTC, contracted each credit bureaus to dispute identity theft, fraudulent inquiries, and fraudulent credit card accounts opened.

I contacted each individual inquire, credit card account XXXX 
Capital one, XXXXXXXX. 
I've filled a police report, disputed all Ohio addresses, Ohio phone numbers, incorrect spelling of my name, fraud charges everything I need to also put a freeze on all of the credit bureaus. I'm still getting my changes to my XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing various websites trying to monitor my credit. Obviously, TransUnion would be one of the places to do this. I signed up for what was *clearly* labelled as a free account. There was never any mention anywhere about fees or charges for what I was doing. I avoided everything on the website that involved being charged, as I did with every other website I visited that day. However, I was charged not too long after making my account. The charge was a subscription for {$24.00} every month, which I had never signed up for. There was not even an inkling of information that I had that would suggest I would be charged while I was on they're website. I immediately called to dispute this charge and was met with no help. In an incredibly comical manner, the person who I spoke with on the phone was both very quiet and speaking from what sounded like a decent distance away. Not only this, but at times they would just stop talking altogether. To me, it felt like an attempt to get me off the phone as quickly as possible. While on the phone, the person was also speaking as if I should've known exactly what I was being charged for. I stated on numerous occasions that I did not confirm a purchase for anything, only to be met with them saying that it was my own fault and that I should have known what I was doing. I felt like I was being talked down to. A simple XXXX search shows a multitude of people falling for this fraudulent behavior on the behalf of TransUnion. Just as I believed it was free, everyone else believed it was free or merely {$1.00}. No mention of a {$25.00} charge, not to mention a *reoccuring* {$25.00} was ever mentioned anywhere during the sign-up. This is a scam being run by TransUnion on a mass level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

THE UNDERWRITER AND COMPANY POLICIES ARE DISCRIMINATORY AGAINST PEOPLE THAT LIVE IN THE UNITED STATES THAT HAVE INCOME SOURCES FROM XXXX XXXX. THE CURRENCY IN XXXX XXXX IS THE UNITED STATES DOLLAR. XXXX XXXX IS A TERRITORY OF THE UNITED STATES. THE UNDERWRITER INDICATED THE PROOF OF INCOME SOURCES FROM XXXX XXXX ARE NOT VALID EVEN IF THESE INCOME IS BEING DEPOSITED ON A US BANK ( XXXX XXXX XXXX ). THIS IS THE FIRST TIME THIS HAPPENS TO ME AND IT DISCRIMINATORY AGAINST US XXXX.
Product: Credit card

I discovered I had been the victim of identity fraud. I obtained a copy of my credit reports and discovered XXXX of the fraudulent accounts was with Bank of America that was opened on XX/XX/2014. I immediately contacted Bank of America by phone and letter. I also requested a copy of the fraudulent application. Bank of America refused to send a copy of the fraudulent application. I also informed Bank of America that someone had fraudulently attempted to file a bankruptcy petition to cover up the fraud. Bank of America said the information used to open the account matched my information the account was mine and refused to delete the fraudulent account and said I had to pay the account balance.
Product: Credit card

On XX/XX/2024, I discovered that American Express ( AMEX ) had reduced the credit limits on two of my credit cards without prior notice, based on an erroneous report from XXXX claiming I was delinquent on an account. XXXX has since confirmed the report was a mistake, but AMEX has not reinstated my original credit limits. Additionally, on XX/XX/2024, I began experiencing frequent declines on transactions with another AMEX credit card, despite the account being in good standing and having sufficient available credit. These issues have caused significant inconvenience, disrupted my financial flexibility, and potentially harmed my credit score due to increased credit utilization and declined transactions. I contacted XXXX to correct the report and reached out to AMEX customer service and their Corporate Secretarys Office, but no resolution has been provided. I request AMEX to reinstate my original credit limits, resolve the transaction declines, and address any potential negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I applied for a loan on line with Amerisave Mortgage. Filled out the application was approved and lock in a 3.25 %. Immediately I was called asking for my credit card to order an appraisal on my property giving me a false sense of security..I was asking for a load of {$110.00}. My house was appraised for $ XXXX.Credit was excellent, had liquid XXXX almost a million dollars. For 2 1/2 months asked for documents after documents no end going back 3 years. This was extreme. My primary residence was XXXX XXXX and I had another address where my office was located. My immediate family lives with me at the XXXX XXXX address which is my primary residence..I feel that when I sent the XXXX packet of documents with XXXX addresses it should have been flagged and stoppedright there, and not continue on and on asking more and more document. Why did they continue for another month or so and requiring more documents. They were fined heavily by CFPB for deceptive and abusive practices. I 'm out {$400.00} for the appraisal which can not be used by any mortgage company. XXXX have been done just like I have. I want nothing to do with this company. I want my {$400.00}. back.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer Financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

Account # XXXX amount {$740.00} Account # XXXX Amount {$1400.00}, CKs Prime XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX inaccuracy dates and the amount owed opened XX/XX/XXXX, status updated XXXX XXXX, Balanced updated XX/XX/XXXX in the amount of {$740.00} and {$1400.00} By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

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

XXXX XXXX is reporting that a late payment exists on my account for XX/XX/2019. I have the payment booklet reflecting a payment due date of XX/XX/2019 along with proof of payment for both XX/XX/2019 and XX/XX/2019 which more than covers the XXXX payment either early or within the 10 day grace period and well before the next payment due of XX/XX/2019. I also have the payment dating back to XXXX and and another at the end of XXXX reflecting. I submitted documentation of these payments to show that the XXXX payment was not late and should be corrected on my credit report and XXXX ignored the request and did not respond. I filed a dispute with XXXX XXXX and they did not correct the problem. 

I am attaching the payment confirmation for XXXX, showing the extra {$10.00} for the late fee, the payment for XXXX, showing the extra {$10.00} for the late fee and the on time payment for XXXX. All payments are within the 30 days and did not go to the XXXX day as inaccurately reported on my credit report. When after the 10 day grace period, the fee was included.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I sent a dispute to XXXX, Equifax and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.
Product: Checking or savings account

In XXXX XXXX XXXX I was working for XXXX XXXX and the company folded without paying me and We'll Fargo let all my stuff bounce even though they knew my company folded at the last minute without paying me. Messed my whole account up. They closed me out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT I have two accounts that are reporting to TransUnion. On both accounts, TransUnion is reporting unverified late payments where I have requested investigations on each account. TransUnion has yet to conduct a proper investigation NOR supply me with proof. I have requested these accounts to be UPDATED to PAID AS AGREED, NEVER LATE numerous times yet TransUnion continues to verify these accounts with no proof on HOW I was EVER late on these accounts. I have never been 60 days past due on ANY of my accounts. Please provide proof. I do not recall EVER being late. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights!!!!

Under Act 15 US Code 1681 Section 602 states, " I have the right to Privacy. '' 15 US Code 1681 Section 2 states " a consumer reporting agency can not refurnish the account without my written instructions. '' Under 15 US Code 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts as PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX - XXXX XX/XX/2019 XXXX