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

On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. 

I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. 

On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. 

Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. 

I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. 

I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. 

On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. "
Product: Mortgage

This is a second complaint that arose after receiving a response to my original complaint XXXX XXXX from Wells Fargo bank responded to my original complaint. On XX/XX/2020 I received a letter, dated XX/XX/2020, from XXXX XXXX, Senior Vice President of Wells Fargo Mortgage Company. In this letter Wells Fargo noted that I deferred 3 mortgage payments when I entered into the forebearance program in XX/XX/2020. In fact when I entered into that program via a phone call with Wells Fargo I was told that I had already made my XX/XX/2020 mortgage payment and that I would only be able to defer two months mortgage payments, XXXX and XX/XX/2020. 

On XX/XX/2020, I telephonically contacted Wells Fargo and spoke with a female employee ( unknown ) to restart my bi-weekly payments so that my mortgage payment for XX/XX/2020 would be satisfied. During that and a subsequent conversation a day or two later this employee told me that the bi-weekly payments would start on XX/XX/2020 and that the bank would make the withdrawals from my checking account every two weeks moving forward, with the next withdrawal from my checking account being made on XX/XX/2020. During this conversation I questioned this employee as to whether the withdrawal on XX/XX/XXXX would insure that my mortgage payment due on XX/XX/2020 would be satisfied. This employee assured me that the second bi-weekly payment on XX/XX/2020 was within the allowed grace period and that once the bank received this payment they would credit my mortgage account for XXXX. 

On XX/XX/2020, I telephonically contacted XXXX XXXX who subsequently contradicted what the other Wells Fargo employee told me. XXXX XXXX told me that the monies that I paid on XX/XX/XXXX and XX/XX/2020 were not applied to my XXXX mortgage payment but were applied to my mortgage payment due XX/XX/2020. Ms. XXXX indicated that the investor ( XXXX XXXX ) would not allow the second payment/withdrawal from my checking account be applied to my XXXX payment since it had not been made by XX/XX/2020. 

According to Ms. XXXX, I am ahead in my payments on my mortgage since the next withdrawal from my checking account will be made on XX/XX/2020 which will be applied to my XXXX payment. 

During this conversation I told MsXXXX XXXX that I wanted Wells Fargo to correct their mistake and apply the XX/XX/XXXX and XX/XX/XXXX payments to my mortgage payment due on XX/XX/2020 as they had indicated during my phone conversation with a bank employee on or around XX/XX/2020.
Product: Credit reporting or other personal consumer reports

You keep on ignoring my report submitted to your agency stating that I AM A VICTIM OF IDENTITY THEFT AND I DONT HAVE KNOWLEDGE OF THESE UNAUTHORIZED ACCOUNTS!!! This is not only a blatant violation of my rights but also a severe breach of your duties as a credit reporting agency. 
I have repeatedly disputed these fraudulent accounts, provided all necessary documentation to support my claims, and even contacted the original creditors to confirm the fraud. Your inability or unwillingness to address this matter has resulted in severe financial and emotional distress for me. 
I remind you that it is your legal obligation, under the Fair Credit Reporting Act ( FCRA ), to ensure that the information you report is accurate, up-to-date, and verifiable. Despite this, your agency has chosen to disregard my pleas for assistance and continue to tarnish my credit history with these fraudulent entries. This not only affects my ability to secure credit but also damages my reputation and overall financial well-being. 
I demand immediate and complete removal of the following fraudulent accounts from my credit report : XXXX  XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXXXXXX .... 
I expect this matter to be resolved promptly, within the legally mandated time frame of 30 days, as stipulated by the FCRA. Failure to comply with this demand will leave me with no other option but to take legal action against your agency for willful non-compliance and negligence.
Product: Credit card

My bank sent in a check to pay off my card on XXXX XXXX, 2016. Included with the check was the stub from the bottom of my statement that you usually send with payment. The bank then received a notice that the creditor did not know which account to apply the check to and need the account number. I spent several day while working out of town and attending my grandmothers funeral to acquire my account information. I was giving a lot of run around with no solutions. Once I returned home on XXXX XXXX, I began trying to acquire my account number as I had given up while arranging my grandmothers services. The final solution was to request a new credit card with the number on it. Which I believe was deliberately miss filed and I will get to that in a while. In the mean time I continued to receive phone calls that began to become harassing, happening multiple times a day and sometimes calling and hanging up like it was a game. When I ordered the card I was told to wait XXXX to 10 business days. I waited. In the mean time I was still receiving calls. Time after time I asked the rep to check their notes and sometimes explaining the full situation in hopes they would make another note of it and stop calling. That never happened. Finally on XXXX XXXX, I called back after XXXX collection calls that day and asked for my call to be escalated to the highest department possible. There, with the help of my bank the card company was finally able to locate the check which was already cashed and submit a dispute to my account. Today XXXX XXXX I have already received XXXX calls and notified them I will be reporting them. Have quoted the Fair Debt Collection Practice Act, even thought it may not apply to them, but hopefully it helps, and notified them I will be sending a cease communication letter via certified mail. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. 1681c-2 ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 



XXXX XXXX Balance : {$31.00}, XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance XXXX {$20000.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Welks fargo have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. XXXX was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are posting inaccurate Information.

Inquires i did not authorize
Product: Debt collection

XX/XX/2018. I was notified I owed a debit, I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And TransUnion I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX  XXXX violated my rights as well I would like them removed original credits XXXX  XXXX bank they call me XXXX  me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
Product: Debt collection

RMG Systems is trying to collect a debt that is not mine. I have asked a number of different time for verification and they have not provided it to me. They did however say that if I just paid the debt they would remove it from my trade line on my credit report. I have no problem paying the debt that is mine. They are a shady collection company that I believe is part of a scam. They have no information other then basic personal info.
Product: Money transfer, virtual currency, or money service

SCAM I was sent a fake check and did a wire transfer to a scammers account. One hour after I realized the check was fake and contacted my bank to recall the wire transfer. They did not and froze all of my account. The receiving bank was also notified shortly after and they released the funds from the wire transfer to the scammer.
Product: Debt collection

on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.
Product: Credit reporting or other personal consumer reports

I understand FCRA XXXX to require the elimination of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with XXXX, Experian, and XXXX, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

First I tried to go online to activate the debit card I received in the mail that did not work. 

I went to the ATM to activate the card and the pin I have used for years suddenly does not work. 

I tried then to go to the store to activate the card and make a purchase with and without the pin and it did not work. I have been humiliated in front of the whole Perspective XXXX Temple Community as my perspective temple is across the street from the store and the bank that all this happened in.

My credit score has gone down XXXX points since these issues with this card started happening.
Product: Debt collection

In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect and insufficient. I would like the opportunity to clear this debt from my credit report. I am making a request for Collection Company to  provide a deletion from my credit report. I value my credit and I continually make timely payments on all of my accounts. All bills from all medical manners were paid in full directly with ALL service providers and any remaining balances from 2012-present were included in the insurer 's Chapter XXXX bankruptcy under case number XXXX. Aargon Collection agency placed a {$39.00} collection on my account and this information was discovered when I recently saw it on my credit report. They did not send any type of bill, notice or information prior to placing this debt on my report. All medical bills are paid in full with the providers directly. Any balances are under the responsible party which is XXXX XXXX, the insurer and responsible party. I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed from my credit to ensure my credit profile does not show such a negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive my Early Warning Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to Early Warning about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX. Customer Service, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX, XXXX. I have been a customer for [ duration of your relationship with the company ], and I have always valued the services provided. 

Unfortunately, I recently faced some significant hardships, including job loss, which impacted my financial stability. During this challenging period, I fell behind on my payments. I acknowledge my responsibility for these late payments, but I am reaching out in hopes of receiving a goodwill adjustment to change my account status from late to PAANL ( Paid As Agreed, No Late Payments ). 

I have since secured a new job and am committed to managing my finances more responsibly moving forward. Adjusting my account status would not only ease my current financial burden but also help in improving my credit score as I work to regain my financial footing.

I appreciate your understanding and consideration of my situation. Thank you for your time, and I hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your information is inaccurate. I do not recall having a XXXX on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Product: Vehicle loan or lease

Several years ago I paid off my loan with Wells Fargo Dealer Services. I called to request the clear title or lien release since I had not received anything 2-3 months following the payoff. After the request, I provided up-to-date email and mailing addresses. I did not receive anything from Wells Fargo. Up until recently it has not been a priority since I maintained ownership of the vehicle but I traded in the car and still needed to Wells Fargo to provide a lien release for the title. On XX/XX/XXXX, I contacted the title department and emphasized that I have submitted a request and hadn't received the lien release paperwork. We provided a XXXX shipping label for Wells Fargo to use to send to the dealership. On XX/XX/XXXX, the dealership contacted me to inform that they had not received it yet. I contacted Wells Fargo and again was advised of 7-10 business days but I don't consider that to be acceptable based on how many times I have been trying to resolve this. The company keeps providing me the run around telling me they don't have control over the mailing system. I just want this resolved so I don't have to deal with Wells Fargo again. If the calls are being recorded as they say, listen to the call on XX/XX/XXXX where the dealership and myself provided every detail to ensure a smooth process but once again, Wells Fargo did not resolve my request.
Product: Credit reporting or other personal consumer reports

I sent and called the XXXX credit bureau 's to report that I never lived in Texas because I was never in the XXXX XXXX and lived on a base there but they wont take the information off someone stole my identy or the XXXX credit agency got me mixed up with they have me living in XXXX different states at the same time, there was XXXX social security numbers on my credit report and my information was hacked and leaked but it was living in XXXX different places in XXXX  when I was always where i am now and XXXX has multiple addresses of same area with same streets but different numerical places in the same months, years and days. I would like all of them removed also who ever they stole my information has phone numbers with multiple area codes on them XXXX different phone numbers, they refused to investigate or remove the extra addresses and phone numbers. there are credit freezes on my credit and they are still letting companies do hard and soft pulls which keeps my XXXX XXXX low.