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

In case of my previous complaint no. XXXX, 1. Action Taken - a. XXXX  XXXX XXXX, Case Manager  XXXX ( XXXX ) confirmed that I've never opened checking account or credit card with XXXX  XXXX XXXX XXXX my lifetime. 
b. XXXX states that there's no track history to match up with my SSN & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX ( as of XXXX ). 

2. Answers from XXXX  XXXX XXXX : a. XXXX rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies may have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. CurrenXXXX Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me miserable & depressed since 2022 that I've identified the issue first time. 

4. Requests : in my perspective, XXXX  XXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i have 2 personal credit cards with capital one. 
all of the sudden they clased both of my accounts without any comunication, which hurts my credit score and iwhich is very costly i contact capital one several times after after spending a lot time, finally somone got back to me, telling me that they closed it because an activity that wasnt the way they they expected, they dont wan na tell me which activity, this is so ridiculous and very costly, since their activity is hurting my credit score
Product: Credit reporting or other personal consumer reports

I have tried contacting numerous time to remove the debt from my account. They can not verify the information, the account listed does not belong to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report.

It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts.

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED.

If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report.

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act.

Please acknowledge receipt of this dispute within 4 days and provide updates on the progress of the investigation.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 XXXX
Product: Mortgage

I applied for a refinancing mortgage with Navy Federal and received a loan estimate dated XX/XX/2019 with the rate locked through XX/XX/2019. I was charged {$620.00} for Navy Federal to conduct an appraisal of my home. After submitting additional paperwork it was submitted for final review. I received a call from the loan officer on XX/XX/2019 stating it was declined because they could not confirm my employment. My company 's HR department did not recall anyone from Navy Federal contacting them, and I emailed the Navy Federal loan officer cc'ing senior leaders in our HR department. The HR senior leaders confirmed my employment by email and requested that the loan officer call the company 's main line and ask for HR so they could confirm. The loan officer refused to confirm employment and flatly stated the application was denied. They refused to take any other corrective action on this matter, and now I have a loss of {$620.00} as well as the present value of higher interest payments since market interest rates have moved up in the meantime.
Product: Credit card or prepaid card

XX/XX/XXXX - XXXX Bank of America and disputed credit card charge of {$5300.00} and {$300.00} from XX/XX/XXXX and XX/XX/XXXX for Why XXXX XXXX Also highlighted the amounts {$300.00}, {$300.00}, {$100.00}, {$600.00} they charged between XXXX and XX/XX/XXXX from my checking account. I explained them everything in detail on how this company has scammed me and is scamming several people out there. 

XX/XX/XXXX - Bank of America sent me letter to send all the proofs to them by XX/XX/XXXX. 

XX/XX/XXXX - I sent all the paperwork to Bank of America explaining how I was scammed and did not get the products or services as portrayed. 

XX/XX/XXXX - Bank of America denied my claim saying company has to be paid for the work which clearly means they did not go through the documentation I sent which shows in great length how they scam people and did not deliver the product and service they said. 

XX/XX/XXXX - I called Bank of America and appealed the decision and requested them to go through the documentation and do some research online to see how this is a scam. 

XX/XX/XXXX - Bank of America denied my appeal with the same reason as they put in denied letter. 

XX/XX/XXXX - I called Bank of America and asked them to send me all the paperwork that led them to believe that this is not scam and they have done work. I have not yet received anything.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates. Also my due date for this account is always on the XXXX of each month. The system always marks it late on the XXXX ( not the actual due date ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX unauthorized transactions were made from my Wells Fargo Checking Account using XXXX. The 7 transactions were sent to 5 different people, whom I do NOT know. I typically receive an alert from the bank when any XXXX transaction is made ( either to send or receive money ). I have proof of other similar email notifications, but for these particular 7 transactions I never received any notification. The only way I knew money was stolen from my account, was on Friday, XX/XX/XXXX I received a weekly email that I requested from Wells Fargo to make me aware of my ending balance. When I received my email that week, I noticed the balance was approximately short by {$5000.00}. I then logged onto my bank 's website and saw the 7 transactions to 5 people I do not know, totally {$4900.00}. I reported this to Wells Fargo 's Fraud Dept immediately on XX/XX/2023. They closed the account, set me up with a new one and told me they would investigate this theft. On XX/XX/XXXX I was notified that my case was closed and they are not refunding my money. I am awaiting documentation from the Fraud Dept as to what information they used to make this determination. In the interim, I have filed a report with my local police dept., the IC3 ( FBI Internet Crime Complaint Center ), and the FTC. After being a Premier Wells Fargo customer for almost 30 years it is extremely frustrating to be dismissed so quickly with no resolution. After doing some of my own research, I understand that XXXX fraud is exploding across the top 7 banks that own it ( Wells Fargo being one of those banks ), and they are not protecting their customers, they are not returning the customer 's money in most of the cases reported and they are dismissing most all of the cases with no satisfactory resolution for their customers. I am disgusted with their response and am looking for some assistance in correcting this situation and getting my {$4900.00}. returned to me.
Product: Checking or savings account

on XXXX went on line to start a bright checking account with turist bank, i provided my personal information how long at address- full name-address-tel # - e-mail address ssi # went to click on next step came up in error code # XXXX cant verify idenity therefore i called and left a voice mail message for XXXX XXXX, ( XXXX ) XXXX same day, no response from him as of today XX/XX/22 regarding to finish the application, regarding my personal information at turist bank is at risk, for online application signed and dated XXXX XXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised via Equifax.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXXXXofXXXX,Ibegantoreviewmyannualcreditreport.Atthistime,IbegantonoticeseveralinaccuracieswithmystudentloansservicesthroughXXXX.Fromthattime,therehasbeenover27changesregardingthebalanceaswellasthepaymenthistory.Atthistime,IamunclearofifANYoftheinformationfromXXXXisorhaseverbeenreportedandcalculatedcorrectly.Thishasmadeaverynegativeimpacttomycreditscoreandmyabilitytoobtaincreditfrompotentiallenders.Idonottrustthatanytheinformationhasbeenreportedcorrectly,or,thatmybalancetodateincludingthecalculationofinterestiscorrect.

Iamrequestingaformalinvestigationtakeplaceonmyaccount.Iwanttohaveallstatementsandledgersprovidedtomeshowingeachpaymentthathasbeenmadefromtheinceptionofallloans.IalsorequestthatIbeprovidedwiththemethodiswhichtheinterestisbeingcompoundedandappliedtowardsmyaccountfrominception,andaledgerindicatingthisinwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.
Product: Prepaid card

XX/XX/year> XXXX XXXX XXXX XXXX XXXX Is Truest bank XXXX XXXX  I used their ATM Withdraw {$700.00} Machine took the money back into the machine said I took too XXXX  I went back into the bank told them what happened and they wouldn't even give me a third party who machine Who takes care of the machine ATM they will not give me the number they're keeping my money Please help
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX 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, credit repair services, or other personal consumer reports

Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '.

15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX Balance : {$1900.00}
Product: Debt collection

I reached out to Santander Consumer USA attempting to have my alleged debt with them validated back in early XXXX of 2021. The company then sent me out some documents that i reviewed and determined wasn't enough information to fulfill my request. I made the company aware of this determination, and they proceeded send me an identical set of documents. Santander never directly addressed my determination, nor did they cease collection therefore violating 15 USC 1692g ( b ). The company even went as far as repossessing my vehicle.
Product: Debt collection

Debt collector refuses to send debt back to original debtor for me to settle with them. This collection agency has made contact with me after my Cease and Desist letter was sent on XX/XX/XXXX of this year. To this date the debt is still at their office and not sent back to XXXX XXXX of XXXX. Alleged debt amount is {$500.00}. They have also threatened to send the debt to a credit reporting agency to damage my credit.
Product: Debt collection

I received three letters today, XX/XX/2021 from TRS RecoveryServices stating I owe money to XXXX and XXXX XXXX. I received a set of second notices on XX/XX/2021. I called my bank immediately after receiving the first notices because I thought it was a scam. I don't have credit cards with either of these services. I looked up each charge in my bank account and couldn't find any records of them. I am also currently an employee of XXXX XXXX ( a bookkeeper ). My bank researched one of the charges and couldn't find it in my bank record. After telling them about the notices, my bank advised me to ignore them and get a copy of my credit report. 

I called each companies credit service phone number and looked to see if there were accounts with my Social Security number and the result was zero! I have no credit accounts with either of them under my Social Security number. 

I am wondering if this is a case of identity theft or a clerical error. I certainly want an explanation as to why TRS is coming after me. I looked them up and checked the address on the notices on XXXX. Seems they're legit. Honestly, I am afraid to dispute the charges with them because they want me to report my Social Security number and bank account number on a form. Seems they're setting up a trap for me that will cause me a lot more grief than I'm already getting.
Product: Credit card or prepaid card

I received a credit card in the mail from Key Bank that I never requested in any way. They were totally unable to explain why this would have occurred to my satisfaction. I think they 're opening " fake accounts '' in the same style as XXXX XXXX. I would like this investigated and to hold whoever is responsible for it accountable.
Product: Debt collection

I signed up for XXXX XXXX a day before covid, never been to the gym, but I was charged with XXXX  dollar, I cancelled my account. I shouldn't be charged
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX XXXX ( XXXX ) Account # XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was being told I would be charged {$150.00} a month by XXXX XXXX  which I which was charged that, under the impression that something would be done to my credit report however nothing was.They were supposed to removed XXXX and XXXX from my credit report however it wasn't and it still has that I owe a balance of {$2800.00} and I moved from this location in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}