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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I noticed my bankruptcy reporting on my credit report around XX/XX/23 I sent out via certified mail to US BANKRUPTCY courthouse and asked them who gave my personal information to the XXXX credit bureaus and XXXX... the courthouse sent me a letter in the mail received XX/XX/23 stating they don't share my information with any credit bureaus or third parties. 
On XX/XX/23 I then certified mailed XXXX, Transunion, XXXX, Transunion sending them the copy of the letter from the Courthouse and a letter demanding they delete the unlawful reporting tactic. Which none of them have and I have also spoke to all three credit bureaus on XX/XX/23 and they are refusing to do so. Transunion rep stated they get their infor from Pacer.gov .. yet still it was NOT the US Bankruptcy Court
Product: Payday loan, title loan, or personal loan

XXXX sent payoff check to Wells Fargo. Wells Fargo received the check but has done nothing with it and is trying to charge us late fees for not paying. Wells Fargo already closed the account and issued a refund of overpayment. All attempts to resolve this have been unsuccessful, Wells Fargo reps say their supervisors are busy and nothing gets done. XXXX has all info of the check being sent and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to file an online dispute via the Transunion website. This problem has been ongoing since filing an online dispute back in XX/XX/2017. This dispute was cleared towards the end of XX/XX/XXXX, but ever since then it's as if my account has been locked and new disputes can not be submitted. The process I am using is through the Transunion Dispute Center - I am able to select " Start an Investigation '' and enter the reason for the dispute, but absolutely nothing happens when I click continue. I have made repeated calls to Transunion and nobody seems to be able or willing to help. I am constantly shuffled between customer service and disputes, and it's not uncommon that I talk to someone from each of those departments four or five times in one phone call. This is absolutely maddening and I don't know who else to turn to for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It XXXX Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX This is my second request as I contacted the company and I did conpanies telling me to contact the credit bureau. I am going in circles & need this information deleted!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and Equifax credit companies. It was removed from XXXX  as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige financial is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of XXXX  and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately
Product: Debt collection

on XX/XX/XXXX and again on XX/XX/XXXX I submitted a dispute with XXXX, XXXX XXXX and XXXX  in regards to an account that U.S Collections West had recently placed on my credit reports. The investigation results revealed that said account was verified as reporting correctly with all 3 bureaus. On XX/XX/XXXX I received a statement from U.S. Collections West dated XX/XX/XXXX showing a list of charges and an alleged balance owed to their client XXXX XXXX XXXX. I immediately contacted XXXX  to inquire about the matter and informed them of my dispute.The statement reflects a list of charges for supposed service that I do not recognize nor am I able to verify. Oddly all the charges are exact dollar amounts. The collection notice states a balance is owed in the amount of {$4200.00} .However the statement from XXXX reflects a different amount owed of {$1800.00}. I never received any communication from XXXX. On XX/XX/XXXX I sent a certified letter to USCW reaffirming my dispute and requested specific verification for the alleged debt. No response has been received. I have been unable to resolve this matter with either companies. U.S. Collections West continues to ruin my credit. AZDFI has reported that correction action was taken against their license for similar violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Capital One to let them know that XXXX was showing that negative mark on one of my Capital One accounts. XXXX would not give me details about this negative mark and asked me to contact Capital One. I told Capital One this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with Capital One for many many months. I told them this negative mark by Capital One was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The Capital One representative could not tell me what they negative mark was and told me to write to Capital One. I have written to Capital One ask them what negative mark they put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX and XXXX XXXXXXXX Acct # XXXX and XXXX 

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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Debt collection

over 7 years since last payment was made -- should be removed from my credit reports
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX {$3500.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that XXXX XXXX XXXX  related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.
Product: Consumer Loan

Wells Fargo Dealer Services ' Loan Managers from their XXXX XXXX XXXX XXXX agreed to remove the negative information they reported about me to the XXXX major Credit Reporting Agencies-XXXX, XXXX, and XXXX. 

I have tried reasoning with them over the phone, by mail, by fax, and by disputing the negative information issue online with all three credit reporting agencies dispute resolution centers. 

I have not had any success with Wells Fargo Dealer Services keeping their end of the deal, but yet I was able to keep mine. 

The deal was, that if I was able to refinance my auto loan with them to a different lender they would remove all negative information such as late payments, and partial payments, etc. from my credit report files. 

I followed through with my part of this agreement by refinancing with XXXX XXXX XXXX XXXX, and on XXXX, 2016 my auto loan was paid in full with the lender I refinanced with. 

Therefore, I 'd like to know why Wells Fargo Dealer Services has not kept their end of the deal, and I am also going to allow them 30 days from the time they receive this complaint to remove late payments, and negative information on the auto loan account I had with them before I firmly decide to escalate this to a higher authority. 

Please note, although this agreement was made verbally over the phone with their XXXX XXXX XXXX XXXX, this was the only method of negotiation this deal since they do not allow customers at their XXXX XXXX XXXX XXXX 's, and the Wells Fargo branches do not handle the auto loan accounts that Wells Fargo Dealer Services manages, and oversees, thus the reason why it 's been difficult on reaching out to someone from their company who is able to actually take action towards my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the recent attempt to remove a late closed account from my credit history. 

I submitted a request to have a late closed account removed from my credit report. This account was [ briefly describe the nature of the account and the circumstances leading to its closure ]. I understand the importance of maintaining a positive credit history, and I took the initiative to rectify this matter promptly. 

To my disappointment, the first attempt to remove this late closed account appears to have been unsuccessful. I have thoroughly reviewed my credit report, and the derogatory information associated with the aforementioned account still persists. 

I am reaching out to seek clarification on why the initial attempt was unsuccessful and to request a detailed explanation of the steps taken to address this matter. Additionally, I would appreciate a clear timeline for the resolution of this issue. 

Maintaining a favorable credit history is crucial for my financial well-being, and the persistence of inaccurate or outdated information can have a significant impact on my creditworthiness. I trust that Credit Bureaus values its customers and is committed to ensuring the accuracy of the information reported to credit bureaus. I am asking for your help to remove this account immediately in my credit file : XXXX XXXX XXXX XXXX : {$5900.00}.
Product: Checking or savings account

CFPB complaint # XXXX was partially resolved on XX/XX/2023 by Bank of America XXXX They credited {$7000.00} of the XXXX from claim XXXX, and still owe me {$28000.00}. 

XXXX XXXX XXXX, whom we do not know, had called in using my Bank of America checking account to pay his Bank of America mortgage. He had called for 68 months and paid his Bank of America mortgage using my Bank of America checking account number. I am still determining how this is possible since I have to be authenticated at least three ways by Bank of America whenever I call. Bank of America was, at minimum negligent, or one or more of their employees participated in the fraud. 

On XX/XX/2023, Bank of America sent me the same form letter denying the rest of my claim and telling me to contact the merchant to return the remaining funds. This is the third letter like this I have received. Bank of America Mortgage is the so-called merchant. Anytime I contact Bank of America Mortgage, they say they couldnt find the transactions because they do not have XXXX XXXX XXXX 's account number. Bank of America has now returned 23 of the fraudulent payments and stopped payment on the XXXX. All of claim XXXX and 12 credits from claim XXXX. This latest letter, dated XX/XX/2023, is more of the same delay and noncommunication techniques that Bank of America has used from day 1. I have disputed closing claim XXXX. 

After complaint # XXXX was filed with your office, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX ext. XXXX contacted me. She informed me that she has XXXX XXXX XXXX account information and was working with Bank of America mortgage. I cant confirm with the Bank of Americas Fraud Department that XXXX was involved in the latest partial credit. 

After I received the information above, over the past 4 business days, I called XXXX several times a day, leaving messages. I have asked her to let me know if she is still working on my case. She has yet to respond to me by either email or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported multiple accounts ( XXXX ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with Equifax. Equifax has not removed the delinquencies. I can forward the email and/or other documentation on request.
Product: Checking or savings account

In late XX/XX/XXXX    I bought a XXXX $ engine for my Younger brother I bought this engine from a company named XXXX XXXX, not only did they not send me the right engine was fraudulent it did not work After offering me money multiple times to keep it and having three different mechanics write him papers about how bad this engine is I told him I do not want this engine whatsoever. 

The company then sent me a shipping information mind The owner told me that he can no longer message me through the XXXX XXXX and he made his own XXXX return email impersonating XXXX ALSO changed his company name backwards with 3 more XXXX  and 3 more XXXX  to the name, which XXXX fully acknowledges then through XXXX with the name the address and the tag to use because they work with XXXX all the time I followed the instructions just as he said. 

The company then blocked my number my messages where not going through and he was not answering my emails. 

At this time I would like to note that I lost my home and my vehicle in the hurricane that hit XXXX XXXX XXXX The bank 's where closed for weeks the roads the stores the whole 10 yards I went to Wells Fargo a week after the opened while Florida was still in a state of emergency ( XXXX has acknowledged this whole thing and has this written on file and talked to the first banker at Wells Fargo Who I wrote a fraudulent claim with because I was not within the XXXX 30 day moneyback, but they fully acknowledged what this user did ) I am now here because yesterday On XX/XX/XXXX after paying bills and my Wells Fargo account was very low Wells Fargo reversed the whole XXXX $ Putting me XXXX in debt and I had to call them for a lady to swiftly tell me that I was 2 to 3 days off the deadline to submit my fraud report and they have to take the money and hung up when I asked for the manger! I called back and Im still waiting for a manager to call me back they said they would I am now being charged for late fees this is completely unjust this is completely unfair I screwed nobody over I followed directions The original owner got his engine back and I paid for the shipping to I went to Wells Fargo as quick as I could I can not afford a loss like this in a time like this I did nothing illegal I followed the law and got screwed over. 

This company is located in XXXX XXXX New Mexico they are actually very good friends and only a mile away from the nearest XXXXXXXX XXXX company as I talk to them and they well known for doing things like this as I come to find out I have all the screenshots I have all the paperwork I have reviews from other people talking about the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Transunion Consumer Services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Transunion ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater .Fraud accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXTransunion has reported on my credit report.i did not consent nor authorize Transunion or this company to run my credit or use my social security number. Fraud Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to be reimbursed {$1000.00} per violation. Transunion and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Credit reporting or other personal consumer reports

There is incorrect personal information on my credit report, which has led to an unfamiliar and inaccurate account being linked to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account that I have no connection to. As instructed by TransUnion, I filed an FTC report and provided all necessary documentation, yet this fraudulent item still remains.
Product: Credit card

On XX/XX/2016, I applied for a credit card from Wells Fargo since I have a checking account with Wells Fargo that both of my XXXX retirement checks are direct deposited every month. Application # XXXX. I was denied an unsecured credit card but offered a secured credit card. I applied and the bank said they were unable to verify my identity. They instructed me to go to a branch with my proof of identity and have a banker fax it to the credit department. I did that and was again denied because they claim they are unable to verify my identity. I sent corporate office in XXXX XXXX, California a complaint via certified mail, and attached copies of all my identification which was delivered on XX/XX/2016. They did not respond. On XX/XX/2016, I called Wells Fargo Executive Credit Cards at XXXX and spoke with Sue. She said that she would check into it. We spoke the next day and she told me to go the branch and have manager, XXXX XXXX scan XXXX documents that Sue requested so I would be approved. 2 days later XXXX told me that they still can not verify my identity. I was extremely frustrated with Wells Fargo and on that same day I applied for a credit card from XXXX and was approved. I believe that Wells Fargo Bank has discriminated against me because I am XXXX under Federal Law and because both of my incomes are XXXX retirement incomes, which are direct deposited into my Wells Fargo checking account.
Product: Credit reporting or other personal consumer reports

I recently discovered an inquiries on my credit report that I do not recognize, nor did I authorize or apply for any credit with these companies. This unexpected and unauthorized access to my personal information is deeply concerning and has been causing me significant stress and anxiety. I have no association with these entities, and I have never given consent for them to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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