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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting 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 : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : EQUIFAX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.
Product: Debt collection

This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite learning of the massive personal data breach in XX/XX/XXXX, Equifax failed to notify the general public until this week. Using the website Equifax set up with respect to this matter, I confirmed that my personal data may have been compromised as part of this breach. As a credit monitoring service and credit reporting agency, Equifax has a fiduciary duty to protect our personal and financial data, a duty which it clearly failed to fulfill. 

From XX/XX/XXXX to XX/XX/XXXX, I subscribed to a credit monitoring service offered by Equifax. Per the billing history reflected in my Equifax account online, the total fees I paid to Equifax during that time frame were {$1100.00}. 

I have already contacted Equifax by social media channels and via their customer service portal on its website but have not yet received a response to either.
Product: Credit reporting or other personal consumer reports

I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.
Product: Credit reporting or other personal consumer reports

Greetings. This was my XXXX time I am sending a complaint through CFPB, with regards to the accounts I asked to remove. This time the XXXX have removed all the items I requested them to remove. The remaining issues I found were in my Experian and XXXX Credit Reports. Below were the ACCOUNTS that I want removed. As I have been asking the Bureaus to fix these accounts but nothing happened. Also, I am humbly requesting the presence of Consumer Financial Protection Bureau ( CFPB ) to please assist me in fixing my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} FIXXXX 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

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Product: Debt collection

I received a bill of {$39.00} from credit collection services and it said the creditor is automobile insurance co of XXXX. I never had insurance with XXXX. I called XXXX and they never had me as their client.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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

My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Product: Debt collection

Re : Medical Business Bureau : I have not received any notifications to validate the medical debt for date of service XX/XX/2014 by mail, telephone, or email. They have not been able to provide proof that I have signed and accepted responsibility for the debt they have placed on my credit report. I have requested that they remove this erroneous information from my credit report and they have not, instead they report back to the credit bureaus that I am responsible for this debt without explanation. Re : XXXX XXXX : I have also contacted the original creditor XXXX XXXX and ( XXXX ) advised that XXXX XXXX has dissolved and they no longer have any information in their system b/c they computer systems has been purged of any prior debts. They have also not been able to validate debt.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a car loan through XXXX XXXX XXXX XXXX. I was given instructions to pay my loan from through Western Union using, " Name : XXXX XXXX XXXX XXXX City Code : XXXX XXXX XXXX : TX. '' On XX/XX/XXXX I made a payment of {$1200.00} plus a fee of {$59.00} through Western Union 's website. There was no place for me to enter a state or city code, but there was one " XXXX XXXX XXXX XXXX  '' listed. When I called XXXX over the next few days they said they did not receive my payment. I checked my conformation email and saw that it was sent to XXXX XXXX XXXX XXXX in XXXX CA. When I called on XX/XX/XXXX, they told me that they would try to reroute the money to the correct XXXX. Every time I have called since they have told me that the XXXX in XXXX CA has not responded to the request to return the money. As of XX/XX/XXXX I have made six attempts through Western Union to get my money back.
Product: Credit reporting or other personal consumer reports

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

XX/XX/2023 I assumed a person was trust worthy since people in a trucking dispatch/carrier group chat were responding to this lady named XXXX XXXX posing as someone official who could help guarantee grant money and help with grant applications. Instead of doing a real application the person scammed me of every penny I had. XXXX  XXXX and cashapp denied my requests for refunding. Its left me with many mixed emotions given I have a son and had to tell my family I have no gas or money for food to take care of him nor money to pay my bills.
Product: Debt collection

I signed a year lease with my girlfriend in XX/XX/XXXX to XX/XX/XXXX. Once we reached the end of the lease, I decided to move. She decided to stay in the home and signed a renewal directly with the property company. I never signed the document as I moved out ; however, the property management company allowed her to live there and sign just her name. She later broke the lease and XXXX XXXX now known as XXXX XXXX XXXX sent it to a collections agency and placed a negative mark on my credit requesting {$4500.00}. I've disputed this with XXXX  in XX/XX/XXXX, the collections agency ( Southwest Recovery ) in XX/XX/XXXX, and now recently directly with the property management company XX/XX/XXXX and XX/XX/XXXX. This was clearly a bad business practice that their account manager, XXXX XXXX admits. She said the policy was changed as a result of many of these types of mishaps and they now require both signatures. According to Sec 94.053 both tenant and landlord must sign the lease and in Sec 94.055 it states if you they don't receive any communication from the tenant, then the renewal could be modified if the tenant remains on the property. Their renewal even states that the renewal must be signed by the tenant. If I was the tenant, then why was I not required to sign it? The Texas Property code doesnt say the property management has the right to renew a lease without the signature of the tenant but it does allow you to modify the renewal ( change rent, etc. )
Product: Payday loan

I think these loan should be illegal due to fact it plays on the poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been battling with EXPERIAN since last year because of their unlawful and unauthorized reporting. 
To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. 
My last communication with XXXX was on XX/XX/2022, where once again ( previously submitted other disputes and FTC identity theft report ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed a complaint previously and they still have not resolved the issue ( XXXX ) eventhough they had BY LAW 4 DAYS, Experian is violating my consumer rights and violating the laws by which they need to abide while nothing has been resolved. 
In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Experian continues to reply " verified '' by default to my disputes. I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX  XXXX  and Experian did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Experian XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they are still working on my issue! 
BY LAW, EXPERIAN WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there were an account open in my name and social security number due to identity theft by someone who stole my identity. The account that does not belongs to me is on my Equifax report with the account number XXXX. The company name is XXXX XXXX that is reporting this Equifax. The account is listed as a charge off in the amount of {$780.00}. The account was opened on XX/XX/XXXX, date of first delinquency was on XX/XX/XXXX, and it is showing on my Equifax credit report every month. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Mortgage

The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. 

The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. 

I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. 

I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. 

I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. 

You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. 

I have no other recourse apart from this complaint, so I hope it helps Pinnacle Bank and XXXX XXXX XXXX find the motivation to help me get my bill paid on time using a safe and secure method of payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant dr

op in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries th
at I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Checking or savings account

I am having Wells Fargo business checking account for years. 
Two major issues during last 2 months : My customer 's check was bounced due to error on Wells Fargo side as Wells fargo thought it's fraud. Wells Fargo never reached out to me for that. Already CFPB complaint. This week of check of {$5700.00} was returned when i deposited myself. When i called Wells Fargo - their incompetent customer service is making excuse that they can not understand it. I can clearly make out that he was doing this to avoid answering my question. This happened today on XXXX XX/XX/2022. 
In this week this is second time Wells Fargo 's customer service is making this kind of excuse not to help a customer like me. There is no diversity in Wells Fargo. People like me who are in XXXX for 2 decades are told that they can not understand me even when line is clear and it's well understandable XXXX. 
Moreover after two escalations also Wells Fargo could tell me what is the reason for this return check and whether Wells will charge me any fees. 

Wells Fargo created a case XXXX
Product: Debt collection

On XXXX XXXX, 2016, RENTON COLLECTION added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Signature for this account debt at all. 
Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I launched a dispute with Experian regarding a late payment with XXXX XXXX which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XXXX to the XXXX earlier in the year which had not been changed by XXXX and still reflected the due date of the XXXX. I was late in payment for the month of XXXX but requested the removal of the late payment via Experian. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with Experian providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to XXXX XXXX, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with XXXX XXXX on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that XXXX XXXX is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXXclass action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
Product: Debt collection

Today I received a notice of petition for garnishment. I was never notified of the change of my account. I never permitted them to contact my employer. When I first found out about the debt, I wanted to dispute it because I was not familiar with the debtor, and they told me if I did, they would pursue criminal charges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies is reporting a late payment for XXXX XXXXXXXX XXXX and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.
Product: Mortgage

I have a mortgage with Wells Fargo Bank- Home Mortgage department. I fell 90 days behind on my monthly mortgage payments due to medical expenses during the past 24 months. In XX/XX/XXXX I filed for a divorce after being separated from my husband since XX/XX/XXXX. Although I was behind on the mortgage I was able to make monthly payments timely for 12 months but not able to bring the account completely current. I filed for a modification in XX/XX/XXXX and was denied. My estranged husband was court ordered to make the XX/XX/XXXX mortgage payment and subsequent monthly payments. He made a payment in XX/XX/XXXX and has not made a payment since. I contacted in the bank/ mortgage dept in mid XX/XX/XXXX and explained what was going on in regards to the court order. On XX/XX/XXXX I attempted to make a payment of {$2000.00} at a local Wells Fargo bank branch. The payment was not accepted and I was told to contact the mortgage dept. The representative at the mortgage dept. stated they were demanding the full payment of {$7500.00}. and nothing less. I then ask for and spoke with a supervisor who stated the same message to me. I can afford to make my monthly payments plus extra and want to remain in my home. I can not afford to bring the account current in one large payment. I have this with the banker and I was told they would not accept partial payments at this point. I need your help.