23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a previous tenant sent {$2000.00} for rent money through our XXXX account by mistake. The tenant then contacted us to inform us that he made a mistake by sending the {$2000.00}. We sent him the {$2000.00} back via XXXX with no issue. Unbeknownst to us, the tenant filed a claim through XXXX also requesting his funds be returned. On XX/XX/year> a letter was sent out to us from Wells Fargo. It stated that my husband 's XXXX account was canceled with no further explanation. On XX/XX/year> we received the letter in the mail and reached out to Wells Fargo. It was only then that we were made aware of any claim being filed against his XXXX account. The agent mentioned a recent transaction of {$2000.00} and that's all that she could disclose. The agent said that since the claim was still open, we could reach out to the third party, since we are aware of who the {$2000.00} transaction involved. We heard no further information from Wells Fargo and assumed that there should be no issue since the funds were returned on the same day XX/XX/year>. On XX/XX/year>, we saw a XXXX reversal credit of {$2000.00} taken out of our account. We were pretty upset to see this since there was no other information received from Wells Fargo about a claim. No one bothered to call, email, or send a letter for additional information before removing money from our account. I've had the same Wells Fargo account since they bought out Wachovia which is about 20 years ago. I expect better business practices than to just have money taken out of our account without anyone verifying the reason for any XXXX transaction or what took place. Furthermore, my husband 's XXXX account was suspended as if he was involved in a fraud which never happened. I appreciate the bank 's protection but I also would want accurate details as to why they made decisions about our money without our knowledge. At this point, I no longer wish to be a Wells Fargo customer after such poor treatment to not just myself but my husband as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempted to rectify my credit profile with Transunion and as a result, they again lowered my score by fifteen points with absolutely no justification. 
This is the second time Transunion lowered my credit score in retaliation.

This has to stop and they need to be held accountable.

I'm beginning to think this is not just an act of retaliation, but discrimination as well.

1. I've submitted two photo documents showing the XX/XX/2020, credit score. 
The same day the complaints were filed, and : 2. The drop in credit score on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - TransUnion, XXXX, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and XXXX is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LETTER!! 

15 US Code 5168cXXXX XXXX reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates XXXX XXXX XXXX comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY
Product: Debt collection

Account in question : Onemain XXXX  Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Mortgage

I am currently on worker compensation for a work related injury and COVID 19 reduced work hrs. The mortgage company offered me a promise to pay less amount that I paid on time ( while they reviewed my hardship package ) all of a sudden they have denied my promise to pay amount and requested a new hardship package. I have since returned the new hardship package with the requested documentation and now they have denied me relief help .. ( because they some how believe that I dont reside at the property in question. Im currently sending they an appeal with all documents stating proof of residence.
Product: Mortgage

To whom this may concern, I received a letter in the mail about a special offer for VA loan for 2.25 % back in  XXXX .  2017 . So I called  1st s ervice mortgage that 's in  XXXX  Fl, to ask about the offer. I was told yes I qualified for the offer becau se my credit score wa s high enough and I have n't miss any payments on my loan. He proceeded to tell me that I can miss the f irst two months of payments and make my first payment on the third month. My rate will stay at 2.25 % for three years and only go up 1 point after the 3rd year. Then I can lock my loan in for 30years at 3.25 % as long as I keep my credit score up ov er  XXXX . So I ask him what happens if I do n't keep my score up, then he said I need to get out of the loan because my % rate will go up. So I said as long as my credit scores stay up I can stay locked in for 30 years at 3.25 % and he said yes. I wanted to be sure of that percentage rate because  my 1st loan was at 3.87 % and I was n't going to take a loan that would put my interest higher than my 1st lo an was. So we did the closing on  XXXX   XXXX ,    2017  and he also said that I would get an escrow return back between {$2000.00} to {$2200.00}. I only received {$1100.00} back and a smaller escrow of {$200.00}, but I only received {$100.00}. Now I found out that my  credit score has nothing to do with locking my rate in, it 's determined by the market so my % rate will go up any way. I have learned that they will charge me way to much to do a VA loan like this. The loan officer i s  XXXX   XXXX  who made the loan and my pay off for the loan was {$210000.00} the amount is now {$220000.00}. I find out this was to much.
Product: Credit card or prepaid card

Someone stole my cell phone that was my wallet with all cards and they stole {$7200.00} from my debit card I filed a dispute and rhey denied it when there is evidence of another unknown person using my card per police officer
Product: Money transfer, virtual currency, or money service

Around XX/XX/2024, I fell victim to multi-layered scam operations that is a non-delivery scam perpetrated by across-state XXXX XXXX and shipping group that I encountered on XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudsters.
Product: Debt collection

In XX/XX/2017, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX- XXXX XXXX ; I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party XXXX XXXX that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and XXXX XXXX remove this debt from my credit report immediately ( all 3 Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.
Product: Checking or savings account

I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. 

I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no dealing with this company and do not owe a debt to them.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudent accounts on my report. please remove all fraudulent accounts, it is hurting my ability to get credit
Product: Payday loan, title loan, or personal loan

This entity has not reported payments of two loans with it's entity to any credit bureau. It is believed that this entity violated the truth in lending act and several portions of the Fair Credit Reporting Act. This entity has been reported to the IRS XXXXXXXX XXXX XXXXXXXX for audit, recovery and recoupment of any and all remittances or monies owed to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to XXXX and Experian but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a dispute with Wells Fargo regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, Wells Fargo replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.
Product: Credit card or prepaid card

I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX XXXX back in XXXX and received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I lost my job and became delinquent in payment. I entrusted XXXX XXXX XXXX to consolidate my credit cards and they dropped me as a client. All of my creditors came in on me. US Bank National Association turned my account over to XXXX XXXX XXXX, XXXX. to collect payment. I immediately contacted them by way of phone to offer some sort of payment. I started sending in " good faith '' payments. They are not willing to make a realistic settlement agreement with me. Why?, I do not know. They proceeded to take me to court. My court date is scheduled for XX/XX/XXXX, at XXXX XXXX. 
I received requested paperwork from XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, concerning my account history with blackened out account numbers. I requested copies of my account transactions for XXXX XXXX ending in XXXX, from dates ranging from the initial opening of my XXXX account to the closing of my XXXX account. I requested copies of my US Bank National Association Credit Card ending in XXXX, from dates extending to the transfer of my to XXXX XXXX XXXX, XXXX. XXXX  XXXX, for collection. I only received a partial part of the paperwork, that I requested with the account numbers blackened out. What is the Law Firm trying to hide. There are some fraudulent activities going on. The firm is hiding information from me. What other information has been altered in order to squeeze my hard earned money out of my pockets. 

Please Investigate this matter, Thanks, XXXX XXXX ( Formerly XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX consumer and natural person am aware of all rights that I have and  
which are protected by The Congress under the Fair Credit Reporting Act (FCRA). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: It also states a consumer reporting agency cannot furnish a account without my written instructions
15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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.
Product: Student loan

I sent a letter of Validation to Great Lakes XX/XX/2020. XXXX an agent signed for the letter XX/XX/2020. Great Lakes has not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/.