23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There are many errors and misinformation on all three credit reporting agencies. Inquiries I have not authorized about  XXXX  or more. Aka : that is not my name. I 'm locked out of all three credit reporting agencies, only able to access bits and pieces through different sources. My score drops at a ridiculous rate because my report is wrong. Went from  XXXX  last time I could actually see full report to  XXXX   (  just able to get  XXXX  single score ) its like a confusing maze that makes it impossible to correct with the  XXXX  agencies. Its financially harming me. Bottom line is that something/s are happening to my credit and its not me. I need to access full reports from all three credit reporting agencies ; review ; notify them of wrong info ; and then monitor it to have them remove all wrong info, unauthorized inquiries, aka : that are not me, and derogatory items that are  XXXX  and duplicate accounts are corrected.     The process I just described is wrong- when I ca n't see report ( I 'm prevented but others are not apparently ; I need to address serious things that make little sense ( I 'm being told this thru letter of denials, some I do n't even know how they got my name .... ) ; I need to fix and fallow till all mistakes that have been removed ( many, many not by me ) then the credit reporting agencies can give accurate description of my credo worthiness to the creditors I actually contacted and authorized. I feel as if what is happening to me is horribly wrong and no agencies are taking no accountability for harming my financial future. Please help me. ADA
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not
Product: Debt collection

Account showed up on my credit report. Was not notified via mail or phone about the debt, amount owed or the original creditor. Thus, not given the chance to request validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX Reported XXXX. XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX XXXX Reported : XXXX. XXXX {$3100.00} 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 an account without my written authorization.
Product: Vehicle loan or lease

Bentley is reporting me as 30 days late on XX/XX/2019 and XX/XX/2019. There is no way that is true. This has to be a bank error and the late payments need to be removed ASAP
Product: Mortgage

Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. 
As of XX/XX/XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing XXXX days late. This is incorrect because as per the terms of agreement, it states the following : " We will report to the credit bureaus that you are paying under a partial payment agreement for your Wells Fargo Home Mortgage mortgage '' The terms never said anything about reporting a payment as late. All payments were made on time, including the set payment arranged during the forbearance plan. This is the problem. Wells Fargo is saying that they were within their terms, but that is not true. The letter that they sent me in regards to the terms says exactly what I listed about, not that it would report as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency ; I have and old phone number set-up on the account when trying to login the system wants to send a authentication code but I don't have that phone number anymore I called on Saturday the XX/XX/XXXX to have the phone number updated I was told 24 hours wait time for system to update. Now here it is Monday XXXX of XXXX and the number has not been updated. 

I called Experian to speak with technical support, when telling the rep my situation she hung up the phone. I tried calling back but my number was put on a special block list where you can no longer get passed the automated system I CAN'T GET TO A REP I'M XXXX, Please fix CFPB, I just called the XXXX & XXXX fix my issues within 5 minutes, Experian is purposely blocking access via phone. 

Plus in the process of trying to get passed the proms I locked my report so there are a host of issues they are not addressing CFPB FIX IT
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - Received call from someone identifying themselves with Wells Fargo Bank advising of irregular account activity and asking for identifying information which was provided under the impression it was the bank ( WF ). I was told I was going to receive text ( s ) and to provide WF with the code ( s ) provided. There were 44 in all - and upon inquiry the response was logical. The " person '' from WF then ended the call and said they would contact me the following day. 
XX/XX/2021 - No call came - I contacted my local branch and asked for the previous caller by name and ID given - My branch advised no such person. My branch looked up my accounts and verified money had been moved from savings to checking where it was accessible for transfer. Confirmed 44 different transfer requests totaling {$14000.00} and referred me to the fraud section. Talked with the fraud department who advised I would get my money back. Advised to contact credit bureaus, police and XXXX and cancel credit cards. Checking and saving accts were closed and new ones opened. It should be noted that despite knowing a scam was in progress, WF transferred funds held in the old accounts to the respective new accounts which allowed the wires to be processed on XX/XX/2021. Opened fraud claim. XX/XX/2021 received account print out of transactions showing transfers occurred on XX/XX/2021 after WF notification of the scam by me.

Subsequently WF notified me of the claim denial resulting in continued efforts, additional calls and escalated claims all denied. Additional contact resulted in being advised Wells Fargo was a business and has shareholders as well as You could have done this to scam the bank.

WF clearly failed to take appropriate action when notified prior to funds transfer and failed to take responsibility for proceeding with what was clearly a scam in small amounts to an international account to avoid detection without additional verification.
Product: Checking or savings account

Company charging a returned check fee and stop payment fee when funds are available and both fees cant be charged
Product: Mortgage

Was applying for mortgage through LoanDepot. Went through process, including paying for appraisal. Around the time that the appraisal was to be done, the parties that knew what was happening stopped communicating with me, those that didn't, still communicated. Mortgage was denied at this point, with other reason given than this. 
Neither a refund nor a report has been returned.
Product: Credit reporting or other personal consumer reports

According to XXXX, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED INFORMATION WITH EQUIFAX. THERE ARE ACCCOUNTS THAT I HAVE BEEN DISPUTING AND THEY STILL EXIST. OTHER BUREAU COULD NOT PROVIDE PROOF OF A CONTRACT FROM ME FROM THE CREDITOR WHO FURNISHED THE INFORMATION SO THEY DELETED IT ... BUT NOT EQUIFAX! I EVEN CALLED THEM AND ASKED THEY WHY HAVENT THEY REQUESTED AND RECEIVED PROOF, DOCUMENTS, CONTRACT ETC OF MINE FROM THE INFO PROVIDER AND THEY HAD NO EXPLANATION BUT TO OFFER TO DISPUTE AGAIN AND I GOT THE SAME RESULTS. THEY STILL NOT HAVE PROVIDED PROOF! 
AS required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. THEY WANT TO CONTINUE TO PLAY THIS GAME WITH ME SO I HAVE NOW TAKEN IT TO THIS LEVEL!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I received a XXXX form after settlement of XXXX XXXX XXXX XXXX. A copy of this XXXX form was forwarded to TransUnion informing them that the alleged debt was settled and that the item was now considered income by both the IRS and TransUnion guidelines, and should therefore not be on the credit report. Case law that backs this up is : Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) the court found consistent with other courts opinions : A debt is deemed canceled under the IRS regulations when a creditor stops collection activity after a defined period pursuant to an established business practice. Id. A creditor typically does so in order to take advantage of IRS rules allowing tax deductions for " bad debts ( XXXX ). Such actions by a creditor, in turn, may render it inequitable to allow it to belatedly enforce the alleged debt after it received the tax benefit of the " charge-off. '' and CACH LLC v Fatima, 2011 NY Slip Op 51510 ( Dist Ct Nassau Co. ), citing In re Welsh, 2006 WL 3859233 ( Bankr Ct ED Pa 2006 ), quoting In re Crosby, 261 BR 470, 474 ( Bankr Ct D Kan 2001 ) '' The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' and AmTrust Bank vs Fossett 223 Ariz 43XXXX ( issuance of Form XXXX after debt was written off is " prima facie evidence '' that debt had been discharged by creditor ) and Franklin Credit Mgmt Corp vs Nichol 2001 the court concluded that it would be inequitable for the defendant to incur tax consequences as a result of the form XXXX and to permit the plaintiff to continue to hold him liable for the debt. All of these cases apply in this instance, stating in essence that any debt forgiven via a XXXX is no longer considered collectible debt but rather income that is taxable to the account holder and therefore should not be listed on credit reports.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 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, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXX/XX/year> **Subject : ** Formal Dispute of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) **To : ** Credit Bureau Dispute Department [ XXXX XXXX XXXX, Equifax ] [ Address of the Credit Bureau ] Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information, and I request that the following account be removed from my report immediately : - **Creditor : ** XXXX - **Account Number : ** XXXX - **Balance Owed : ** {$3800.00} - **Status : ** Charged-off/Bad Debt - **Closed Date : ** [ Date as per report ] # # # Violation of FCRA : This account does not belong to me, and I have never opened any credit account with XXXX. This is either a case of identity theft or an administrative error. Reporting this account as mine is a violation of the FCRA, as it reflects inaccurate and unverified information. I have no financial responsibility for this account.

# # # Action Requested : I demand that you investigate this matter immediately, remove this fraudulent account from my credit report, and provide written confirmation that the investigation has been completed and the account has been deleted. If this item is not removed, I request that you provide me with the detailed investigation report and verification of ownership for this account.

Please note that if this account is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary.

Enclosed, you will find a copy of my credit report with the fraudulent account highlighted. I have also attached a copy of my ID and a utility bill to verify my identity and address.

I expect a prompt response, as required by the FCRA, and look forward to receiving written confirmation of the removal of this account from my credit report.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

From XXXX XXXX XXXX my two Citi bank cc have an excessive amount of fraud charges on them. I am victim of Identity theft and my online information was compromised. My address, phone number, security code and login information was changed. Resulting in my replacement card/cards being mailed to XXXX RI. Where all the fraud happened on my credit cards. I live in California and had never been to RI. 
Citi denied my claim stating the card was a chip enabled read. This is due to Citi mailing my card to the wrong address in RI. I filed a police report and filled out an Identity Theft packet and got it notarized as Citi requested. I am committed to pursuing this dispute until it is resolved and I realize that it's a criminal offense to falsify a police/Identity theft report. 
The address XXXX XXXX XXXX XXXX, RI XXXX appeared on my credit report do to Identify theft. I have never lived at this address. I have only lived in California. 
I am waiting on the police report but I did file. If you need anymore information from me please let me know XXXX
Product: Debt collection

On numerous occasions the AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States, used tactics that violates my rights under the The Fair Credit Reporting Act, 15 U.S.C. 1681, by manipulating the dates of the opening of the account to act as if the debt is new or currently missing agreed payments, theyre double reporting a increase of negative balance owed, in a attempt to damage my credit, when they check it and see its improving, theyre adding on interest and them removing the interest to negatively affect my score, theyre using these tactics to force me to respond to a debt that I dont owe. Its financially hurting me and its not right. Theyre proving that they dont respect the laws in which the promised to follow when they decided to become a debt collection agency. Theyre misusing the power they have to get the outcome that makes them the most money or damages my credit the most. I do not own the debt. I Dont know how the debt was started in my name. I spoke with XXXX at XXXX XXXX on a recorded line, he stated, where he agreed to dispute the debt and remove the inaccuracy from my credit report and its still on my credit reports damaging my credit.
Product: Checking or savings account

On XXXX XXXX XXXX  EST, I attempted to deposit cash into an ATM outside a US Bank Branch . The machine accepted several bills, returned a few, then returned more, then flagged an error and printed out a receipt indicating and I quote, " A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. KEEP THIS RECEIPT.

FOR U.S. BANK CUSTOMERS, PLEASE CONTACT XXXXUSBANKS OR XXXX " I then went into the bank, and brought the error up which they then claimed I would need to contact the number to have the machine serviced, balanced, and any cash remaining be credited to my account. I was then able to deposit a majority of the cash with the teller that was returned via the ATM. 

Upon calling the number, they continued to assert I'd need an exact number but I was unable at the time to provide an exact amount that was not returned as I wasn't aware how much the machine accepted versus rejected versus I was able to deposit.

Requesting a supervisor, I was able to escalate the problem which the manager then decided to assert that because I wasn't sure of the exact amount the machine kept, I was essentially forfeiting that money and that I SHOULD KNOW how much money the machine kept?

I guess in my mind, if the machine had an issue, it should never have accepted cash to begin with and yet the supervisor/manager refused to acknowledge the machine issue and essentially told me I'm on my own?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 usc 1681a ( 2 ) ( B ) ( d ), 15 USC 1602 ( I ). 15 usc 1602 ( I ) mentions the term credit which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. The credit card is my social security card and what is used to originate the transactions listed on the attached file.
Product: Mortgage

It appears that Ocwen has overcharged my escrow account for the year XX/XX/XXXX. This mistake was noted by Owen months ago and can be reflected as a 'Credit ' on the record. However, it appears the amount was not subtracted but rather doubled as now I 'm being made to pay for an advance despite the cushion charge ... 

Below are records for the redundant flood-insurance charges and dates made by Ocwen to my Escrow account : Insurance Credit-Lender placed Flood Insurance Escrow Account XX/XX/XXXX $ XXXXInsurance Disbursement-Lender placed Flood Insurance XXXX Lender Placed Insurance XXXX XX/XX/XXXX $ XXXXInsurance Disbursement-Flood Insurance XXXX OF FL XXXX XX/XX/XXXX $ XXXX that the first charge above does not show an account number but does show it as a credit, however the balance does not reflect that. This was similar to an issue that happened last year when Ocwen double-charged my escrow account for hazard ( home-owners ) insurance ( see case # XXXX ). That issue of the hazard insurance double-charge was resolved without explanation of why it happened ... 

Note that my true flood insurance expires in XX/XX/XXXX and Ocwen has already made that payment. Below is a record of the transaction : Insurance Disbursement-Flood Insurance XXXX XXXX XXXX XXXX of FL XXXX XX/XX/XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Someone used my personal information to try to obtain credit cards and automobiles which caused several inquiries that was not authorized by me the following inquiries are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX account # XXXX open date XX/XX/XXXX {$800.00} XXXX XXXX Open date XX/XX/XXXX account # XXXX {$140.00}
Product: Debt collection

I had a medical debt ( date of service XX/XX/XXXX ). It was sent to FCOA and I settled it in full in XXXX, XXXX. In XXXX, XXXX I received another email offering to resolve another {$480.00} debt, allowing payment online, over the phone, or through mail. 

I have XXXX children and have to track many, many medical bills. Not only is this kind of communication creating a new hassle for me that I don't need, but it also makes people like me vulnerable to overpayment of settled debts. 

They also have my account incorrectly marked as outstanding with the medical provider XXXX, XXXX, and XXXX, which could hurt my ability to get medical care from them.
Product: Credit reporting

There is a new tax lien posted to my Experian Credit file, this item was included in my chapter XXXX case and was previously removed from my file and now it was been re-inserted.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind checking the documents? There are discrepancies in the reporting, with incorrect amounts and dates listed.
Product: Credit reporting or other personal consumer reports

I recently noticed an account on my credit report that does not match my name, address, or social security number. The name of the account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is duplicated. Account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report. 

Account Name : XXXX XXXX