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

Ive tried numerous times to get inaccurate information of my consumer reports by reaching out to each of the consumer reporting agencies through certified mail. Also through this CFPB portal. I have many complaints to back this up. Do to my rights as a consumer being violated for FURNISHERS OF INFORMATION UNDER FCRA. I have been denied a XXXX business loan from my bank XXXX XXXX. Ive also had my credit decreased by XXXX XXXX from XXXX to XXXX  and my XXXX XXXX XXXX XXXX card credit limit decreased from XXXX XXXX to XXXX. Which made my utilization go up and my consumer score go down. So I had to file a I identity theft report. Which you will see in my documents. I will be taking legal actions for this violation. Also I will be sending each of the consumer reporting agencies an arbitration letter. For my rights being violated as a consumer. All of the laws are in my documents also proof of the losses I took from this violation. I ask to remove all accounts that Ive tried to get rid of. DO NOT PUT A FRAUD ALERT ON NONE OF MY CONSUMER REPORTS.
Product: Student loan

I am having issues getting a hold of someone in Mohela. I qualify for the XXXX administration debt relief for low-income load borrows. It is impossible to get someone on the phone regarding the process and to get knowledge on what will be forgiven. I have called on numerous occasions with the wait time being as long as XXXX hours and no one ever comes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was stolen back in early XX/XX/2016 and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Product: Student loan

I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.
Product: Checking or savings account

Wells Fargo cancelled my card 2 months ago while my account is still opened. My account is currently activated and open but Wells Fargo refused to issue me a new debit card, I called customer service and they asked me to bring my id into a branch and have them to call them then they can issued me out a new card, and I did bring in my ID card to the branch 2 months ago but the people in there told me I have to called them by myself, so they keep pushing me around and did not issued me a new debit card for me.
Product: Checking or savings account

It has been well over a month since Ive started this claim. Bank of America has done nothing and has provided the worst customer support. Ive gotten lied to hanged up on and its not okay. Ive been struggling for a whole month havent been able to pay rent because Bank of America allowed someone to open an account under my name and transfer my money into it. Ive callled and sent in all the necessary paper work Bank of America has asked for. Im still missing XXXX $ from my account and not only that but Im getting charged after already speaking to multiple agents and no one has been able to help. Its ridiculous how Ive been treated
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

I tried to call the company about the utility bill in question and it is a company in New York from XXXX  which I have been XXXX XXXX military since since XX/XX/2018 and was in college in Tennessee before that so it would have been impossible for me to live in New York at the same time. I have never received a bill or anything from this company the emails and phone number listed on the account were not any that belonged to me when speaking to the representative from the originating company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS TRANSUNION/ XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The EXPERIAN Credit Bureau have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX a funding deposit was sent to Synchrony Bank for the Amazon Credit Builder store card. The secured credit card had a opening credit of {$200.00}. In XX/XX/XXXX the balance on the account was paid in full. On XX/XX/XXXX I filed for personal bankruptcy, which DID NOT include the Amazon Store card. 

In XX/XX/XXXX through to XX/XX/XXXX I had spoken with numerous customer service representatives that had assured me that my deposit was being mailed to me only to find out it was not. On XX/XX/XXXX I received a letter from XXXX XXXX on behalf of the CEO and Director of Synchrony Financial. In her letter it states their policy is to send these checks to the trustee. 

If the account is not part of a bankruptcy that is incorrect because now this account is marked as bankruptcy when it was a clear account that there was no delinquency. 

This is ethically and morally wrong, I am filing a complaint because this company did not abide by their own policy regarding secured funding deposits. This is what it states on the Amazon website regarding Amazon Credit Builder.

Security Deposit Refund If you close your account and have paid your balance in full, you will receive your security deposit back by mail. If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Learn more about upgrading to the Amazon Store Card.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these accounts on my credit report Company or Organization : XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX XXXX Date open : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$600.00} Company or Organization : XXXX  Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$0.00} Company or Organization : XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$80.00} Company or Organization : XXXX XXXX Date opened : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then COVID. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXX : {$8900.00}
Product: Credit reporting or other personal consumer reports

I have check my credit report and seen I have 16 hard inquiries of company I don't recognize nor authorized to run my credit milestone XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  in one  day XX/XX/XXXX XXXX XX/XX/XXXX motorcycle ; XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After a review of my latest XXXX, Equifax and XXXX credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX EquifaxXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Credit Card account opened with XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number. ( XXXX ), an credit card account open with XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an credit card account open with XXXX  XXXX on XXXX XXXX under the account number ( XXXX ), an credit card account open with XXXX XXXX on XXXX XXXX XXXX under the account number ( XXXX ), XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO 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: Checking or savings account

XX/XX/XXXX - Ordered an XXXX at XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX and was dropped off ( XXXX XXXX XXXX XXXX ) 15 minutes later - Fell asleep and woke up around XXXX to realize phone was missing - Used Find my XXXX app on roommates laptop and phone pinged in XXXX parking lot in XXXX XXXX had not checked wallet at this point - Fell back asleep until XXXX, woke up to check wallet and realize debit card and credit card were missing. Checked bank accounts and both checkings and savings accounts were compromised - Reported claims to Chase o {$500.00} withdrawal from Chase ATM ( XXXX XXXX XXXX XXXX ) Withdrawals made between XXXX XXXX o ~ {$4900.00} withdrawals from various XXXX in XXXX XXXX XXXX XXXX XXXX made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX  Withdrawals made between XXXX XXXX XX/XX/XXXX - Given provisional credit for 1st claim - ~ {$450.00} of {$5400.00} total XX/XX/XXXX - Given provisional credit for 2nd claim - {$500.00} of {$5400.00} total XX/XX/XXXX - Police report filed with XXXX Police Department XX/XX/XXXX - Initial claim of {$4500.00} was denied by Chase - Appeal is filed XX/XX/XXXX - Appeal on claim for {$4500.00} is denied by Chase XX/XX/XXXX - Claim for {$500.00} is overturned and denied - Claim for {$450.00} is overturned and denied XX/XX/XXXX - Visit Chase branch and was told that the police report is not enough evidence to file an appeal on denial decisions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have contacted XXXX XXXX XXXX to confirm receipt of a balance transfer in the amount of {$4000.00} from my XXXX XXXX account # XXXX to my XXXX XXXX XXXX  credit card. The transfer was initiated on XX/XX/XXXX. XXXX claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my XXXX Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and Equifax still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to XXXX, XXXX via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX  provided me. Note : per my request I requested for XXXXXXXX XXXX XXXX to conduct an investigation. XXXX XXXX XXXX said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for Equifax and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.
Product: Debt collection

First, they call me when I'm at work. I asked them to stop calling and was told that they can't do that until I set up a payment plan. 

Second, They won't tell me what the debt is for ( company that I owe ). They told me that they don't have to give me that information until I verify my phone number full name and address and set up a payment.
Product: Mortgage

I was looking to remortgage under FHA. I started with CrossCountry Mortgage, LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I was working with a XXXX XXXX. My current mortgage company called ( XXXX XXXX XXXX and asked if I would consider staying with them if they could do better than CrossCountry Mortgage. And they were able to do much better. I asked XXXX XXXX to transfer the FHA application over to XXXX XXXX. At first he refused. Prior to that email, I gave XXXX the opportunity to offer a better rate. He just became belligerent. Finally I sent XXXX an email saying he must transfer the FHA loan application per my request. His reply was it would take 5 days. He purposely refused to transfer it and then delayed it going over to XXXX XXXX. Then he made me pay for the appraisal in full. Unfortunately, there were two minor issues with the appraisal. By Florida law, the appraiser can't talk to me and I'm restricted from contacting the appriser directly since CrossCountry Mortgage ordered the report. So technically, I'm not the appraisers client. I reached out to XXXX to ask him to contact the appraiser to get it corrected. His response - " Im sorry, but this is not something that CrossCountry Mortgage is able to assist with. '' Of course, he knows that he can assist, but is being vindictive. He knows very well that he is the only person that can request the revision. How are Companies able to do business while this behavior is allowed? In 45 years in the workforce, I have never worked with any business that was blatently playing games. Especially with my ability to remortgage.
Product: Credit reporting or other personal consumer reports

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. XXXX, Transunion, and XXXX have not responded to my disputes and requests for the account to be removed off my credit report.