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

I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, Equifax, and XXXX did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$47000.00} XXXX XXXX XXXX XXXX  XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I have

 one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

For the past XXXX days, after I enter all my personal info at XXXX, the Transunion site displays a message that due to the XXXX breach Transunion can not process my request. That is the only XXXX of the XXXX companies from which I have not requested a free report within the past year. I 've been trying to access my report early in the morning CST, before too many are awake in the US, and have also tried in the afternoon and at night. 

XXXX. After a breach of this magnitude, there should be no charge by any of the XXXX companies to an individual requesting his/her own credit report. 

XXXX. If Transunion can not handle the request volume, that message should be displayed at XXXX BEFORE we enter all our personal info. 

XXXX. We all need new identifiers to replace our SS # s!
Product: Debt collection

Hi Manager ; This is a violation of my medical rights and definitely a violation of both FDCPA and HIPPA violations. Listen, I was shocked when I reviewed my credit report today and I still found a medical collection from CFSI or Commonwealth Financial services for {$2100.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have never had any relationships with this company listed and i really don't want to waste my time going back and forth. I honestly do not believe to ever have any relationship with this collection agency or original creditor. I called them and they mentioned it's an old medical account from XXXX from XXXX XXXX XXXX  which i have NO RECOLLECTION and when i asked the representative, she said that she's going to place it under dispute for now. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

Wells Fargo closed my business secured credit card. I have XXXX savings to cover the secured card. They charged interest and an over draft fee even though they closed it over 30 days. I contacted them and told them to take my {$1000.00} because at closing I only had a balance of {$970.00} which is less than my security deposit. They owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Occurrence Date : XX/XX/2019 Amount : {$130.00} ( approx ) Debt Collector : I Q Data International Inc Received call from Debt Collector. The conversation turned to harassment, they kept stating that I was unwilling or reluctant to pay the amount, and I said " no '' that is not the case, but I am disputing the amount ( charges ), but they kept insisting that I pay now to avoid being reported to Credit Reporting, so had to provide Credit Card now. 
This was first contact by them, so I had no idea as to their validity nor did they disclose the fact that I had rights to dispute the charges, as stated below : " Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. '' They were threatening to go to Credit Reporting without sending any written notices or allowing me the chance to dispute ( 30 ) days, so again felt I as being harassed and undue pressure to force payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error regarding my free annual credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report every 12 months. My attempt to access this report online resulted in an error stating I had already received it, which is incorrect.

I contacted customer support and was assured the report would be sent ; however, I have not received it. This oversight not only violates the FCRA but also impedes my ability to monitor my credit. 

Therefore, I request that Equifax promptly provide my annual credit report and address any system errors to prevent future issues. 

Thank you for your immediate attention to this matter.
Product: Mortgage

I have a Satisfaction Of Mortgage Dating Back to  XXXX / XXXX / XXXX  Recorded in Register of Deeds In   XXXX   Wi. The Doc.Id as our Current Lender stated Not a Chase Loan, I found out in  XXXX  that this Doc.Id. Was a  XXXX   XXXX   XXXX   Loan Paid in Full as  of  XXXX / XXXX / XXXX . A letter  Dated   XXXX   XXXX  states that. From  XXXX   XXXX   XXXX  Ca. My Last Info is a Satisfaction Of Mortgage From  XXXX  Recorded on  XXXX / XXXX / XXXX   XXXX  Fee {$30.00} in the  Register of Deeds  office in  XXXX  Wi. Tax. Id. Correct.   Property Location Correct.I have a Certified Copy From the Register Of Deeds. Under our Wi. Statute  706.05 { 10 } And 706.05 { 10  } { A } If You Received a " Satisfaction Of Mortgage '' endorsed with a time, date and document number From a Register of Deeds Office. '' The Nothing Further needs to be Done '' " The Above Facts Are True in My Case ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Experian has an unknown email address and phone number linked to it which causes me to be unable to lock and unlock my account. Person with my drivers license info contacted my bank to verify funds in a specific account
Product: Debt collection

Yesterday I received a report that I had a collection from Convergent outsourcing that I had a collection for {$270.00} for XXXX XXXX which I haven't had since 2017. To my understanding I had turned all equipment and paid all bills. I had not received any calls or letters regarding this. I tried to log on to the XXXX website to look up information and when I did it would not let me log on and when I would input forgot user name and password with my account number it was pulling a number and an email that is not mine. I did call XXXX and they did say that all equipment was turned in but that amount was for the last bill. I have no other information on this and Convergent didn't provide anything other than that. If this information was given to me it would have been paid off along time a go. I don't believe that it is ethical for something that was from 2017 is being brought up now when it was so long ago and I can't find proof that this was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint to TRANSUNION for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is alleging I owe a debt that is incorrect. XXXX XXXX did not disclose the contract is the security that is being used to fund this credit arrangement. The application XXXX XXXX submitted on my behalf only cause for collateral in the form of checks, notes, or bills of exchange per the Federal Reserve Act section 2. XXXX XXXX illegally forced me into pledge my real party as collateral for a loan I funded by submitting the application. The contract is deposited into the financial institution which is a financial asset and raises capital gain for XXXX XXXX that makes me an investor as the registered security has my name on it. XXXX XXXX knew that made me entitled to equitable interest which should have been applied to the account as required by law. XXXX XXXX has failed to compensate me for my investment and stole the property. XXXX XXXX is then selling this incorrect information to XXXX and Experian which is preventing me from getting credit which is my right. 

2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NJ XXXX XX/XX/year> SOUTHWEST CREDIT SYSTE RE : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX NJ XXXX
Product: Checking or savings account

There has been many complaints from Wells Fargo customers who checked the IRS website and got confirmation that funds have been deposited in their account on said date. On that date the funds are not available even on the business days after. There are numerous of people who have received their funds with other banks/financial institutions right on the date that was advised. This bank is corrupt and they are playing with people money which is a shame in these times. Please see the attachments of real life customers of Wells Fargo commenting and relating to each other in being XXXX by this bank. Veterans, workers, people who have banked with them for YEARS. And all Wells Fargo can give is a generic response.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered a fraudulent account on my credit report, this account is XXXXXXXX XXXX opened on XX/XX/year> with the account number XXXX, this is account is fraudulent and I do not have not given my consent for this account to be opened on my credit report.
Product: Credit reporting or other personal consumer reports

just got my report and I think it's wrong! 
I was told that I have the right to have an investigation carried out. Credit reporting laws ensure that agencies report only 100 % accurate credit information. must be taken every step to ensure that the information reported is completely accurate and correct. Therefore, it is necessary to re-investigate the following information. Please. make sure everything on my credit report is correct and accurate, as these unknown negative accounts are not reported to me by other credit bureaus like XXXX and XXXX and therefore should be removed from my credit report. 

I have also already made a report with the CFPB Agency demanding that they verify these amounts and remove them from my credit history. 

I demand that these accounts be removed immediately or I will request ligation due to the stress it caused me. My information was also affected by the XXXX data breach and may have fallen into the hands of the wrong person, make sure that all the disputed elements below have my legitimate signature, my documents verified and authenticated with my perfect signature. 

below are the accounts you should delete. 

Account name : XXXX XXXX XXXX Account number : XXXX Sincerely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you Experian reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXX XXXX opened on XX/XX/2018 and account number ( XXXX ) I do not recognize the aforementioned account or collection account. this account that is reported by Experian was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by Wells Fargo. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Well Fargo via USPS mail on XX/XX/2021 after completing my pre-approved online application. I as a natural person was harmed by Wells Fargo 's adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) states are up to ( {$5000.00} ) XXXX is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXXXXXX XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the recent Equifax hack, my personal information was compromised and I had to apply for multiple credit freezes to minimize by potential risk ( performed on XXXX17 ).
Product: Mortgage

XX/XX/XXXX ACH payment sent by WI Help for Homeowners in the amount of {$12000.00}. This was the amount to reinstate my mortgage. 

XXXX XXXX Mortgage processed my payment on XX/XX/XXXX. This would make my account late for XXXX since it was after the XXXX of XXXX causing my credit score further damage and accumulating further late charges and fees. 

XX/XX/XXXX, my mortgage is still not reinstated and is not found on my online account to make payments and manage my escrow account. Phone conversation with XXXX XXXX XXXX, I made a full mortgage payment over the phone and charged {$10.00} for this. Was told my account would be cleared up by XX/XX/XXXX, so I could access my account online. They claim it takes 30 days to clear the account and reinstate the mortgage from XX/XX/XXXX. 

I have an attorney that is accruing fees and charges because of all the time she has with communication with the attorney at XXXX and XXXX which was hired by XXXX XXXX Mortgage. 

I applied for assistance with my mortgage back in XX/XX/2023 after my XXXX XXXX and finding out I would not be able to work for 6 months. I was never given a chance for help, the loss mitigation packet was sent numerous times and wanted different documents every time, some of which I couldnt provide. 

Now it is XX/XX/XXXX and I still do not have any access to my mortgage account and my credit report is stating that XXXX and XXXX payments were late. This account has been paid in XXXX to XX/XX/XXXX. Now XXXX going to have to pay {$10.00} fee to pay over the phone again since I can not access my account. I still am receiving court documents for appearance in XXXX that were filed on XX/XX/2023 when the account was current.