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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

NO ONE WILL HELP ME EVERY GOVERMANT AGCIENCE THAT EXISTS DOES NOT BELIEVE I WAS INTERNATIONALY HACKED BY WELLS FARGO IM GUESSING THEY HAVE A TEAM OF SECURITIES HACKING TO SAVE THERE SOULLESS XXXX. ARE YOU SERIOUS I ASKED FOR A PRIVETE BOAD TO CLOSE THE DOORS AND LETS TALK ABOUT THIS. I AM TIRED IM LOST MY LIFE IS OVER BY BEING WELLS FARGO HACKED BY WELLS FARGO WORST HACKING COMPIES THAT MONEY BUYS AND XXXX XXXX IS INVOLVED BY THE IMFORMATION SEE GOT WAS STORED IN MY COMPUTER THE HACKING ACCOUNTS ON XXXX   TO CONTROL AND UTLIZE CASH ACCOUNTS AND YOU WELLS FARGO HAVE THAT ON MY ACCOUNTS AND A LAON I CANT USE. WELLS FAR I AM DEMANDING A BOARD AND  SECURITIES MEETING TO SEE WHAT YOU HAVE DONE TO MY LIFE MY XXXX AND NOW MY MARRIGE YOU WELLS FARGO DID NOT INCLUDE MY HUSBAND IN THIS I WAE YOUR ONLY TARGET OF XXXX. AGAIN I WANT XXXX A NEW COMPUTER A PRINTER AND A PHONE. MY LIFE IS GONE .I CANT RECOVER FROM THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for an account balance via XXXXXXXX XXXX XXXXXXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my account in accordance with fair credit reporting act section 602 states i have the rights to privacy 15 USC 1681 IT ALSO states a consumer reporting agency can not furnish account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS Number XXXX  birthdate XX/XX/year>XXXX  I am submitting this complaint to the consumer Financial Protection Bureau CFPB regarding Equifax I am I am writing to file a second complaint regarding the unresolved issue of communication under the fair credit reporting act been re-added to be Removed Account Information XXXX XXXX XXXX Account Number XXXX Account Number XXXX
Product: Debt collection

The dates are continuing. I'm being constantly and I have no funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL INCORRECT PERSONAL INFOMATION. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Collection off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by Experian, XXXX, and XXXX, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to Experian, XXXX, and XXXX every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.
Product: Mortgage

Shellpoint knows all they have to do is send a misleading statement and CFPB will close the case XXXX. They overcharged me. Then, they applied money back to the principal. Then, they skipped two payments and now they are using there overcharge to misrepresent that they corrected to muddle the facts. In the letter, Shellpoint never addresses that it was a covid modification and whether it received funds from the government to cover back interest and escrow. 

In the letter, Shellpoint claims the {$65000.00} is for XX/XX/2022. This again is a red-herring. The XXXX covers the entire year of XXXX. So, if my statement at the end of XX/XX/2022 reflects XXXX, then the XXXX should reflect the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report.

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ).

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I have upload proof of address and my social security card.
Product: Payday loan, title loan, or personal loan

Speedy Cash removed money from my checking acct. I got loan for {$500.00} lost my job and was placed in a program related to XXXXI closed out my XXXX and that was all the money I had, while I'm out of work! 
I need the money that was taken out of checking account,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX  XXXX XXXX Date Opened:XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

About 6 months ago I received a phone call from this company stating that if I was to test drive a new vehicle and purchase the vehicle I was let out of my lease early and to my chagrin I accepted the offer only to be made a fool of from the dealership. 
I had two different car companies in the past make good on similar situation and I was no stranger to the phone call. I made a complaint with them and I was told sorry for the phone call and I was not going to be made whole on the issue on hand and I was told to make my payments current or else. 
I do have financial hardship and I really thought they were going to help me. My fault I guess for thinking Nissan really cared about me whenever they ask about my  hardship however all I hear now is ooh too bad, pay up will ya. Now the dealership just closed the doors without any notice.
Product: Checking or savings account

On or about XX/XX/year>, I made online request to Wells Fargo Bill Pay to issue a check from my checking account to a parking garage merchant. In doing so, Wells Fargo immediately debited my checking account. However, the check was sent to the former parking management company instead of the current merchant ( the error was mine since I had two different payees using the same " nickname. '' ) I realized the mistake when the former merchant mailed me the paper check issued by Wells Fargo - uncashed. I thereupon contacted Wells Fargo to stop payment and credit my checking account. I explained the situation and specifically told them I had the actual check in my possession and it was not endorsed or cashed. Wells Fargo responded to me that they were not able to stop payment on that check, that the check had been cashed and any reimbursement must come from the merchant. I called Wells Fargo 's escalation department and repeatedly asked them to verify the check had been transacted. They said " yes '' yet refused to provide proof. When I called the former merchant, they told me they realized the payment was a mistake and DID NOT CASH the check, instead returning it to me. Wells Fargo refuses to credit my account despite the fact I have the check in my possession and, logically, how could the merchant have deposited the check if it is in my possession. Wells Fargo refuses to credit my account or appropriately investigate this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was denied because I had a prior approval for {$1800.00} starting XX/XX/year> which was not paid. The reason this was not paid was because this approval was never mailed to me. I just found out about this prior approval because I applied for a loan modification and was denied because I had a prior approval that was not paid.
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. I have previously submitted all necessary documents. Who granted you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments. You have absolutely no right. The Federal Trade Commission ( FTC ) clearly states that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. Please dele them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Last year in XXXX of 2018 a collection account was placed on my credit report from a company named RS Clark & Associates. After communicating with this company that this debt was false and should be removed immediately I was met with silence. The company has not removed the collection account or furnished any proof that this is a legitimate claim of a debt that I owe to this company. I have also contacted the XXXX concerning this matter for the company to respond and they have yet to respond after XXXX days.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX XXXX XXXX Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to XXXX and TransUnion credit bureaus. Pursuant to Section 1681b of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national Consumer Credit Reporting Agencies, including XXXX, XXXX and TransUnion, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with XXXX and TransUnion on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is XXXX
Product: Debt collection

On XX/XX/XXXX I was contacted by Bounce AI , Inc. in an email with the message " Avoid a negative credit rating by enrolling in a payment plan for your {$1500.00} XXXX XXXX XXXX XXXX debt ''. I have not granted Bounce AI , Inc. any permissible purpose per 15 U.S.C. 1681 ( b ) ( 2 ) to furnish any consumer report and have not been made aware that they were party to any contract I was involved in.

I have included documents to show Per 15 U.S.C. 1692j that Bounce AI , Inc. has furnished certain deceptive forms to convince me that an alleged original creditor was attempting to collect a debt.

Bounce AI , Inc. has transmitted communications with my personal information in violation of the XXXX Privacy Act.
Product: Credit reporting

I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can do.
Product: Debt collection

I recently filed a complaint about Navient, my student loan servicer. The case is still pending. However, I received a mail notification in my inbox today. A new overdue payment from XX/XX/2023 suddenly appeared on my account, along with a warning of potential interest charges. I rigorously monitor my account and have records of payments made in XXXX and XX/XX/2023, making this discrepancy perplexing. Despite multiple attempts, I have been unable to reach Navient to address this issue. Your prompt assistance in escalating this matter would be appreciated. Thank you!
Product: Debt collection

Integrated Services XXXX at XXXX XXXX demanding payment through a debit card XXXX only. When I attempted to give them my XXXX XXXX Pre Pay Card the refused to take it, and then only gave me 24 hours to call back with a new card number in which to collect the debt. I attempted to send them a money order through the mail to pay the debt and they refused to accept this payment arrangement as well. XXXX then go belligerent with me if I did not call back in 24 hours with the card information. She also has left me threatening messages of contacting my employer with a wage verification as well.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no clue how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the wrong accounts remained. I'm asking for the documents I've provided to be carefully reviewed, so I can stop worrying about this ever happening again.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

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

I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Product: Vehicle loan or lease

I disputed this to the company wells Fargo that is involved with credit bureaus and nothing was done, the car in question the XXXX  XXXX XXXX that this is about that I bought XX/XX/2018 I returned the vehicle to the place I bought it at which was XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX it was a personal repossession in which XXXX XXXX was informed about, they told me they were going to file all the paperwork letting everyone know yet they filed nothing, and I am now still be harassed by wells Fargo and threatened for a vehicle I do not own anymore, XXXX XXXX hasn't done what they said they were going to do and file all the paperwork, now the fact is wells Fargo keeps attacking both me and my credit report, in letters threatening me that they are going to repo the vehicle, now how can they threaten me that they will repo a car when I don't own it? The other fact is if XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MA XXXX isn't properly filing there paperwork why is it that ex customers have to keep being threatened cause they don't file the paperwork properly, the fact is wells Fargo is just as much to blame cause they refuse even after a dispute to go or call XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, MA XXXX to verify that the vehicle was indeed returned as a personal repo already instead of threatening me all the time, the fact is the credit bureau don't do XXXX to actually fully look into it.
Product: Credit card or prepaid card

I was charged for late fees due to their system being down and i have reported this and they have still not waived my late fees, I have had this issue now with the last payment atlas please work something out i am enrolled in the credit protection as well and this has not been resolved.