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

I submitted a complaint about Wells Fargo not reporting my payments to the credit bureaus at all and they still continue to refuse to report my payments causing me credit problems.my credit report does not reflect that I have a mortgage loan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a XXXX XXXX account on my reports from XX/XX/2013. This account does not belong to me. Transunion is the only credit bureau report this inaccurate account on my report that is hurting my credit score drastically.
Product: Debt collection

Since XXXX of XXXX, I've asked Wells Fargo to Investigate a complaint/claim and Confirm that I have been victim of Identity Theft to XXXX XXXX  XXXX XXXX XXXX XXXX Debt Collector )
Product: Debt collection

Received vague and seemingly threatening voicemail from a local area code. Unidentifiable company, generically named representative XXXX XXXX XXXX gruff voice, curt speech like an interrogation not a customer service agent ), attempted to use my mothers XXXX real ) name to bait me into calling back at a different XXXX number. Dont know how they got it, as she doesnt have any debt and I care for her in-home. That alone is despicable. Also claimed I was a person of interest which is cop lingo for wanted and I feel uncomfortable enough now that I need to report it. 

Based on the similarities of others online ( over 100 cases I saw for the same thing or similar, all listed XXXX XXXX XXXX, I did not return the call. I dont believe this to be legitimate. Transcript below. 

Hello this is XXXX XXXX with MAC the reason for my call today is because we had you listed as a reference for XXXX XXXX. If you know who this is please press one now or hold for a message. ( Pause ) You are listed as a person of interest in an important matter that does require your immediate attention. Contact us directly at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my home life. The following items that you must remove are listed below : XXXX 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 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/year>
Product: Debt collection

XXXX XXXX  UNIVERSITY IS TRYING TO COLLECT MONEY, FOR A CLASS, WHICH I NEVER ATTENDED. I MERELY INTRODUCED MYSELF, TO THE CLASS. THIS IS ALL OF THE ACTIVITY, I HAD TAKEN, IN THE CLASS. I NEVER COMPLETED AN ASSIGNMENT AND WAS WITHDRAWN, FROM THE COURSE. I SHOULD NOT OWE ANY AMOUNT OF MONEY, FOR THE CLASS.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ) After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

debt. According to the 15 USC code 1681 a ( w ) The CFPB is the only true credit bureau Dodd-Frank Wall street reform and Consumer protection Act. 12 USC 5301
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the company 's recent response, please provide me with the authorization form bearing my signature that gave your company permission to pull my report and apply for an account. I would also like the online deposit account information that was given to you. If you are unable to provide me with this please remove these inquiries from my account. I would not even apply for the same account twice, especially if I was denied as you stated. I have no proof from you other than you stating that someone knew all of my information and used it to apply for an account. Anyone who has stolen my identity can do that. Remove these inquiries immediately. I have had an issue with my identity being stolen for some time now, that could have been anyone submitting my information online. That is not proof enough.
Product: Credit reporting or other personal consumer reports

My car was sold in auction. XXXX  account number # XXXX is still reporting late payments to the credit bureaus, late payments, defaulted payments on a car that was sold, thats an error itself. And each bureaus has a different date of late payments. Theres so many errors and inaccuracies. Please have this account removed from my credit report. Its hendering me from purchasing a home for my family.
Product: Credit card or prepaid card

I timely made a payment to Bank of America Credit Card Services on XX/XX/2023 in the amount of {$3200.00} ( which was more than the total amount of the outstanding charges, in effect i was paying ahead on charges that had yet to be posted ) using a teller 's check that I purchased from XXXX XXXX XXXX XXXX ( my bank here in XXXXXXXX XXXX ). Bank of America acknowledged receiving my payment by email to me dated XX/XX/2023. 
On XX/XX/2023 I received a letter from Bank of America saying that the check was returned for " Insufficient Funds ''. Puzzled, I went to my XXXX XXXX to inquire how its teller 's check could have been not honored. I learned that Bank of America had not presented the check for payment. When I called Bank of America to inform its officers of this fact they insisted that I prove to them that I had sufficient funds in my account at the time I purchased the teller 's check which I did. 
Today I received a letter from Bank of America saying the check was returned due to " Unable to Locate Account ''. Again, I went to XXXX to inquire about this and again I was advised that Bank of America has never yet presented my check for payment. 
All of this is documented in correspondence I will present to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, Ga XXXX XXXX SS Number : ( XXXX ) ( XXXX ) XXXX XXXX XXXX Equifax Information Services XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject XXXX Request for Removal of Unverifiable Accounts From Credit Report Dear Credit Agencies, I am writing to formally dispute certain information appearing on my credit report, as I believe that some accounts listed are inaccurate and unverifiable. Recently, XXXX, XXXX of the credit reporting agencies, removed and deleted the disputed accounts from my credit report due to their inability to verify the information. In light of this, I respectfully request that you conduct a similar investigation, and remove the unverifiable accounts from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are listed below : XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$7100.00} XXXX XXXX  ( XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX {$8900.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$800.00} XXXX XXXX  ( XXXX ) ( XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX  ( XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX {$82000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$14000.00} According to the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputes and ensure that all information on my credit report is accurate and verifiable. XXXX has already removed the accounts in question due to their unverifiability. I request that you review the same information, and based on the outcome of your investigation, remove these unverifiable accounts from my credit report. 

Please provide me with a detailed written response outlining your investigation 's findings and any actions taken. If the accounts can not be verified, I expect them to be removed promptly. 

Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If the accounts are not removed, I request that you provide the name, address, and phone number of the original creditor, along with any supporting documentation they provided to verify the information. 

Thank you for your attention to this matter. I look forward to your timely response and to having these inaccurate and unverifiable accounts removed from my credit report. 

Sincerely, XXXX XXXX Please note : XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX was deleted from XXXX because it was fraudulent and unverifiable. Please see attachments : Please remove and delete from my credit file due to inaccuracy and inconsistent with other credit agencies and bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Navy Federal Credit Union for about XXXX, I got injured pretty bad in XXXX and was in the XXXX for about 14 months. I had a XXXX  XXXX  as well. When I around to my affairs, i was very delinquent on several banks. When I contacted NFCU, they seemed not to care. So in XXXX i was sent settlement offers and we finally settled the account. in XXXX, i went to log on to the website to check my accounts i could not. They eventually assisted me and i then I was told i owed them XXXX  on my credit card. I pulled my credit report and i saw the account was charged off and closed. So my question, how do i still owe them if they wrote it off as a loss in XXXX or XXXX. It also is being reported badly on my credit reopen.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.. These fraudulent accounts consist of a personal credit card account opened at XXXX  on XXXX XXXX Under account # XXXX, another personal credit card account opened at XXXX on XXXX XXXX under account # XXXX, A personal loan opened at DEPT OF ED XXXX on XXXX XXXX XXXX account # XXXX, another account opened at XXXX on XXXX under account # XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The laws established by CongresXXXX to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.
Product: Credit reporting or other personal consumer reports

I am sending to submit a follow-up complaint concerning the account XXXX XXXX This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Debt collection

Alleged debt is listed on two ( 2 ) credit reporting agencies as ( JOINT ) and no notification received to validate the alleged debt. I have requested that National Service Bureau of the state of Washington provide me with identifying information to substantiate the alleged debt and to date, I have not received any information. 

I have certified mail receipt proof that National Service Bureau received both documented requests for information. 

Since my written communication attempts ( XXXX and XXXX of 2021 ) I have received numerous calls from National Service Bureau even after my initial contact with CFPB. 

I need clarification/validation about this alleged debt ( JOINT, debt ).
Product: Mortgage

I had a HELOC loan which Wells Fargo offered to refinance because the loan was coming due. 
The bank manager at the downtown XXXX branch offered to do the loan and asked me to turn in my tax return for XX/XX/XXXX and a XXXX for XX/XX/XXXX. 
Several days later I went back to the bank to find out what happened and he told me that they could not do the loan, however Wells is told me that I could no longer withdraw from that HELOC and would just go into a pay back the amount owed which is about {$97000.00}. In fact, they even increased the auto pay amount to just over {$1100.00} per month without my agreeing to that as I was told that it would be about the same amount that was being paid or about {$750.00} per month. 
Mind you that I was NEVER late on this loan or on the 1st Mortgage which is also with Wells Fargo. 
My FICO score is over XXXX and my income for XX/XX/XXXX is over {$94000.00}. 
I had XXXX and told the Manager about it so I was not able to work for about 4 months which put a dent in my income. I should make over {$100000.00} normally. 
I have a fixed social security income of about {$1800.00} per month. 
The only reason for being turned down for the refinance of the HELOC is my age, being a woman and having had XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - Account settled. According to IRS guidelines, a 1099-C reports it as income. I want the settlement status removed. Experian is also showing it as a late payment. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, Experian updated as correct. 
XXXX  XXXX # XXXX. Disputed amount owed, Experian still updated incorrect amount. 
XXXX XXXX XXXX # XXXX. Disputed account with Experian. Requested original documents to this account. Still reporting as correct. 
XXXX XXXX XXXX  # XXXX. Disputed account with Experian. Requested original documents to verify account. Still reporting as correct. 
XXXX XXXX XXXX  # XXXX. Disputed account with Experian. Requested original documents to verify account. Still reporting as correct. 
XXXX XXXX XXXX. Experian reporting as late. Account is paid in full. 
XXXX XXXX XXXX. The debt is reported as written off, which makes it taxable and needs to be removed from the credit report. Experian is reporting it as updated info. 
XXXX  # XXXX. Account charged off, per IRS it is taxable. Experian reporting updated. 
XXXX XXXXXXXX XXXX XXXX Experian reporting Account as open. Account is closed. Paid off. 
XXXX XXXX XXXX XXXX # XXXX. Account settled, which makes it taxable income. Experian reporting as updated and correctand as late payment. 
XXXX XXXX XXXX XXXX. Disputed balance. Balance paid off. Experian reporting updated, {$610.00} balance.Requested original documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian reporting balance of {$820.00}. Requested original documents. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Requested original documents to account. Being charged for equipment, that I was not responsible for. Experian reports info as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address

of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX  points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX  of these errors and they ignore any real evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC has willfully and knowingly and intentionally violated my rights furnishing XXXX XXXX # XXXX without my written instructions nor lawful consent. 

According to the Fair Credit Reporting Act 1681o ( a ) I, XXXX XXXX, Consumer am due for compensation from TransUnion LLC for noncompliance of the Fair Credit Reporting Act.
Product: Credit card

On XX/XX/23 I ordered a XXXX XXXX  from XXXX XXXX whereas the advertising stated was fully assembled. The order # was XXXX. The merchandise was ordered as a gift but when my recipient opened the box they discovered that the merchandise wasn't fully assembled. On XX/XX/23 I contacted XXXX XXXX and was told that they would send me a shipping label to return the merchandise for credit to my account. Three weeks went by and I still hadn't received the shipping label so I called again and was told they would have a customer service supervisor call me back. I had honestly forgotten about it for several months and called XXXX XXXX again on XX/XX/23 and this time I spoke to a supervisor named XXXX who sent me the shipping label right away, XXXX tracking # XXXX which was received by XXXX XXXX ( Loading dock ) on XX/XX/23 at XXXXXXXX XXXX 

When I didn't receive the credit for the return I called XXXX XXXX again and was told I needed to call Capital One as XXXX XXXX had issued the credit in the amount of {$560.00} and issued the return reference # XXXX. I called Capital One and they opened up a dispute claim # XXXX and said I would receive a credit within XXXX business days. The credit was applied for a ten day period which gave me a {$330.00} credit balance. Capital One was supposed to mail this refund back to me but instead they reversed the applied credit because I allegedly didn't provide them with some additional information they requested so they closed the dispute. 

On XX/XX/23 I requested that the case be reopened and complied with all of the information they requested, sent them all of the requested documents for the second time and on XX/XX/23 they reopened the investigation. At that time I was told that I wouldn't need to make any payments on the account ( They owe ME money! ) while their investigation was ongoing with an approximate closure date of XX/XX/23. 

Today, XX/XX/23 I called Capital One to check on the status of my dispute. I was informed that while the investigation was ongoing i was still required to make payments on my account or I would face late charges and negative account activity would be reported to the credit bureaus. 

Can you please assist me with this matter?