23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After filing complaint XXXX with the CFPB on XX/XX/2019 ( and a duplicate complaint to a different company listing for " Wells Fargo Home Mortgage '' on XX/XX/2019 ), I have received numerous telephone messages from the " Wells Fargo Division of the XXXX XXXX XXXX '' informing me that they are actively " working to address '' my mortgage complaint. 

Although the voicemail messages sound authentic, I don't believe the CFPB ( or any government agency ) maintains a " Wells Fargo Division '' at this time.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX loan from XXXX XXXX on XX/XX/XXXX of this year.. on XX/XX/XXXX XXXX XXXX reports to the XXXX agencies that the account is a charge off and then I owe {$47.00} or did they charged off XXXX and something but still owe XXXX the loan is paid off. I disputed it once came back They said they corrected everything and everythings accurate. it also dropped my credit score by XXXX points..
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$6.00}
Product: Debt collection

I was first contacted by email ( copy attached ). They failed to notify of this debt by regular mail. I have, hopefully, enclosed what was received by me in mail during that five day period ( copies of Informed Delivery attached ). 
Upon looking at this letter and at the amount, I would conclude possibly being scammed by this entity. XXXX was acquired by XXXX on XXXX XXXX XXXX  and ceased to exist by that XXXX. I am a current customer of XXXX  and have recently purchased a XXXX XXXX XXXXXXXX XXXX XXXX from them for {$190.00}, which I am currently paying for. Another suspicion of mine on is that the amount claimed is only XXXX cents more. Its been over seven years since I did any business with XXXX and the only records that I keep longer than five years are income tax records.
Product: Credit reporting or other personal consumer reports

I called Experian on XX/XX/year> to dispute a Hard Inquiry from " XXXX XXXX '' on my credit report. I had attempted to call the number they had listed for the company that performed the hard inquiry, however, the number they provide does not allow consumers to speak with a live human and automatically hangs up. After advising the Experian representative that I was unable to get in touch with the company, however, I never authorized them to perform a hard inquiry, the representative simply stated that by law the inquiry was to remain ( even though unauthorized ) for 2 years. I asked to speak with a supervisor, however, none were available to speak with me. The representative could not give me another way to contact the company that performed the hard inquiry, and would not open a dispute.
Product: Debt collection

Upon closely examining my latest credit report, I noticed several accounts that appear to be incorrect and were included without my awareness.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on Transunion and XXXX in XX/XX/2023 but paid on time with XXXX. Same thing with XXXX showing 30 days late in XX/XX/2023 but paid on time with Transunion and XXXX have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ) and the Fair Debt Collection Practices Act
Product: Student loan

I consolidated my student loans with MOHELA on XX/XX/2022. They paid XXXX XXXXXXXX and received my student loans on XX/XX/2022. XXXX, which completes the consolidation application for student loans for them, indicated that the consolidation was complete and transferred to MOHELA. I should have unlimited access to my account online by XX/XX/2022. 

I have tried multiple times to access my online account with no success. I have called MOHELA, only to hold on the phone for over 2 hours to get to a customer service representative who tells me that she can not access my account and they have no further information. 

I moved on XX/XX/2022, and I contacted MOHELA to update my contact information to receive future correspondence. I spoke with a supervisor after the customer service representative told me she could not update my address. She told me that she did not have access to update my address. So, I asked her if a supervisor could not update the address, then who could? 

I have been in the Public Loan Service Forgiveness Program for over ten years. I have made a total of 121 payments. The only reason I consolidated my student loans was to add my parent plus loans to my application for forgiveness. MOHELA is holding my student loans " XXXX '' to prevent many other borrowers and me from applying and receiving forgiveness. There are multiple complaints on social media sites against MOHELA about the tactics they are implementing to prevent borrowers from meeting that XX/XX/2022 deadline to receive the full benefits of the " waiver program. '' If I can not access my account, I can not upload my Employment Certification Forms which are critical in applying for Student Loan Forgiveness. As of XXXX minutes ago, the site is still indicating that I should have access on XX/XX/2022. Today is XX/XX/2022, so please make this make sense to me. She attachment of what I am seeing on their website below.
Product: Credit card

I received my statement approx 60-days ago and reviewed the charges. There was a charge for {$480.00} that did not have a merchant name only a city and state and some sort of id number. I reviewed my receipts and could not locate any information and I did not recall making a purchase of this size. I reviewed BofA 's online information, and it stated it was Weight Watchers which I have never used. When I called in initially, I was informed they were going to send me another card and investigate. Great. I went about my business, received my next statement the following month and they had added the charge back on and I had not received any communication from BofA. I called in again was told they researched it and they found it to be legitimate because they had received documentation from the vendor. I requested copies of the documentation was told it would be mailed to me and take upto 4 weeks. Still could not tell me who BofA paid or the vendor name or specificaly what documentation they had. Requested it be reopened they reluctantly did. I had this same conversation at 3 or 4 times over a 2 month period with different reps each time a called in. Today I was following up and had the same conversation again and this time was able to speak to a " supervisor '', XXXX XXXX XXXX, got the same song and dance and now being told that based on my responses that they can not get past the automated system to do anything else. I explained to him that there is an obvious glitch if they don't have a vendor name they paid on their side and they show this to be a furniture store yet there consumer facing website shows weight watchers and home supply store as a category. I asked that he look at my 30 year record as a customer and not questioning anything before. The supervisor acknowledged my frustration but reconfirmed it was on me and they could not do nothing. I asked what other options do I have to resolve this and I was told there is nothing else I can do.
Product: Credit card or prepaid card

I am a victim of Identity Theft and I have placed fraud alerts and security freezes with all 3 credit bureaus. I, XXXX XXXX XXXX, did not apply for any NetSpend and / or XXXX product or prepaid card. However, a NetSpend/XXXX was open based on incorrect and a part of my name. Please see attached FTC complaint. I am not sure as to how many more accounts or cards NetSpend/XXXX had approved on this name and / or my information. I have nothing to do with any of these accounts and cards as I did not apply for any of these products and I do not want to bank with your bank. Kindly close all accounts and cards opened with my information and permanently delete all my information on your files and do not solicit me in the future. NetSpend must not open any more accounts / cards or entertain any applications, whatsoever, with any of my information full or partial. NetSpend must close all accounts, remove all my information from its files, not report the account to any external agency, mark the cards / accounts as fraud and notify me as soon as possible. XXXX should delete all my information and must not issue any more product using my information full / partial.Thank you.
Product: Debt collection

Spoke to representative- explained debt was not mine - offered to resolve the debt- representative would not listen, made multiple attempts to call- representative stated that would not remove resolve debt and would file law suit. Credit collection agency is not the original creditor- and un able to provide any proof of debt- signed contract. Debt is reported multiple times on my credit report by the same creditor.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically XXXX, Transunion, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additional, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
Product: Checking or savings account

On XX/XX/XXXX I purchused a online item for XXXX. Days later I contact the seller saying if I could have a update on my order since it showed ready to ship status. The seller never responded despite contact via email and threw the XXXX XXXX. Filed a dispute with Chime saying it was a scam and to stop the transaction. Chime closed the dispute less then a week later after I submitted all info. 

Called to have it opened again ( only got confirmation by email but no tracking on the chime app like first time ) and as of today since the transaction the seller ( site I brought it from was taken off the browser ( due to fraud ) and informed Chime. I uploaded the same info and link but months later they claim they are still working on the dispute. The untilmate time frame from XXXX the dispute could take this long. 

I don't understand when XXXX a obvious scam with all the evidence and I don't even have the product ( app still says ready to ship )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Experian to properly report payments made to The XXXX XXXX XXXX. I provided receipts for all of the payments I made each month. I also contacted the law firm the same day I filed the dispute to request that they contact the credit bureaus and accurately report the original amount I owed which was {$6900.00} from a car loan debt I co-signed for that my daughter defaulted on. I requested that payments I had been making would be reflected on the report which they said they would take care of. I have been paying the creditor {$200.00} a month since XX/XX/XXXX and this was not reflected in the law firm 's nor Experian 's reporting of the debt. On XX/XX/XXXX I was notified by Experian the dispute had been resolved. A report was generated on XX/XX/XXXX claiming the information reported was verified with the creditor and updated. However, the balance being reflected as of today is still inaccurate, showing a total owed of {$11000.00} which is a far cry from {$6900.00} and the amount I agreed to repay. Also, the {$200.00} payments I have made still aren't reported as paid each month. In fact it shows a recent payment of {$200.00} but the balance hasn't been reduced by the amount I've paid so far as it still shows the original balance owed which is inaccurate. Today I attempted to file another dispute with Experian because the account is showing past due as of XX/XX/XXXX which is also inaccurate. Experian will not allow me to file another dispute for the same issue they are claiming is verified and resolved. Please help!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX 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

Experian continues to manipulate my credit rating. On XX/XX/2021, my XXXX XXXX was " XXXX '' although I have an " Excellent '' credit rating with my creditors. My credit rating decreased by XXXX points on XX/XX/2021, and changed from " Exceptional '' to " Very Good '' for no apparent reason. Experian continues this pattern for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. I did file a incident report back then but can no longer locate it. This is my second attempt to resolve this matter. The accounts are not my accounts I never had so many accounts in my life.
Product: Checking or savings account

One of my business checks was stolen from my home. The individual wrote the check And forged a signature and was able to go to my bank institution and cash the check for {$1700.00}. The bank called 2 days after they had cashed the check to ask if I authorized the check even though it had already been cashed. I filed a fraud claim the bank denied the claim because they say it was negligence on my part in not having the check under lock and key. The check was in my home office in a closed drawer. I filed a police report and turned that it to the bank and they still denied my claim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you