23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Wells Fargo account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 



They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 



They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. 



They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a 1 ( li ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer report. 



XXXX reports the high credit as XXXX However the other credit bureaus XXXX XXXX XXXX XXXX reports it XXXX The last active date is reporting different dates on each credit report. 



XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX The last payment date are also all different XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting the payment history of a charge off From XX/XX/XXXX to XX/XX/XXXX WELLS FARGO have deceived me, have frauded me, and have robbed me. On top of that WELLS FARGO has collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! WELLS FARGO are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD! You have this account reporting on my CONSUMER REPORT, as a cancelled debt meaning that portion of the DEBT has been cancelled! I have proof after WELLS FARGO filed this CANCELLED DEBT. I will be submitting to the IRS! I am also going to submit this to the XXXX and the ATTORNEY GENERAL!
Product: Credit reporting or other personal consumer reports

I found out recently that there is an account being reported on my credit that I did not consent to or was notified about this account is also not a credit transaction and is not allowed to be on my credit report I have attempted several times to dispute this with XXXX and TransUnion but they ignore my disputes and update the account with more false information such as addresses and debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. Also, 15 usc 1681 2 ( b ) I do not authorize this. I also want my FILE and my consumer report.
Product: Debt collection

A host of individual actions were taken against me the consumer causing injury. Certified mail was received by XXXX XXXX of JPMORGAN CHASE & Co on XX/XX/XXXX with an Affidavit signed and notarized with raised seal. See attachment for copy of green return receipt. 

Pursuant to 15 U.S. Code 1692b any symbol or any contents of any communication effected by the mails that indicate that the debt collector is in the debt collection business is an individual act against me, the consumer ; Pursuant to 15 U.S. Code 1692c ( c ) once a debt collector is in receipt of my notice which I arranged to be sent by certified mailing on XX/XX/2020, no further communication about an alleged debt shall occur except for section ( c ) 1,2 and 3 ; Under 15 U.S. Code 1692d ( 1 ) this individual action impacts my reputation and continues to have a negative impact due to unvalidated reporting to XXXX XXXX and XXXX. I asked for all the consumer reporting agencies to remove this from my consumer file as well. 

15 U.S. Code 1692g I was supposed to get written notice within five days containing 5 parts ; I received 2 of the 5 items ; under the same subchapter if I, the consumer notifies a debt collector of a request to get the name and address of the original creditor, the debt collector shall cease collection of the alleged debt. 

Pursuant to 2 15 U.S. Code 1692e ( 2 ) ( A ) to render a document monthly with an amount of an alleged debt is an individual action that is false and misleading to myself, the consumer ; Pursuant to 15 U.S. Code 1692h all payments I have made with a debt collector should not have been applied and instead all back pay can and according to congress shall apply such payment in accordance to me, the consumers directions and I have requested that XXXX USD under the payment terms that a check is to be sent by mail. This is a reflect of all tender made since account inception in XXXX 

Pursuant to 15 U.S. Code 1692j any contract presented without the consumers name as original creditor I am in observation of a deceptive form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint account for a car loan with XXXX XXXX XXXX XXXX. During a period of three years they misappropriated payments and charged car insurance unnecessarily. They write to me informing me of their abuse and that they had made a mistake. I send the letter to Experian and demand that my credit score and payment history be adjusted, but they refused. The other credit reporting agencies did make arrangements. They continue to play hardball with the citizens of California and intimidate its citizens. Recently I got a check from a collective lawsuit recently, since this is the way they due business. They had to settle with millions of persons. I demand that the account is updated to paid off with no late payments and my credit score be adjusted, just like the other credit reporting agencies increased my score and removed this account from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company is NewRez, and their major company is Shellpoint Mortgage Service, LLC. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, XXXX  ; XXXX XXXX, XXXX  ; XXXX XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.
Product: Debt collection

I have informed American First Finance to stop taking payments out of my account bi-weekly that I will mail my payments in. The reason I told them this because they have called me several times when payment arrangements have been put in place, they have been authorized previously to take payments of {$130.00} at one time and they take 2 payments causing my bank account to be overdrawn or me having to rob XXXX  to pay XXXX  to allow the payment to go thru. I know I have this debt for some furniture that I am more than willing to pay, I just have a big problem with them AFF going into my account at any unauthorized time and for any unauthorized amount. If I say I will mail my payments in, then allow time to receive the payment instead of just creating a debit to my account.
Product: Vehicle loan or lease

Company did not respond with in twenty days according to Federal Reserve. Which is now truth without recourse. They also did not follow their own Arbitration law by Repossession of Vehicle or any law under GAAP. 
They violated my right to Arbitration under their own law I ask they remove and vacate judgement and return my Vehicle. As they have sent notice of auctioning my Vechicle on XXXX XXXX and followed none of their laws under the security exchange, and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent TransUnion, XXXX, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their customer service would not help and take care of the negative paid to delete settled account reporting to your credit report. When agreed to have removed.
Product: Checking or savings account

On XX/XX/XXXX while trying to make a small purchase at XXXX, my debit card could not be used,,, i tried to use a second time and same issue. showed denied funds. i just thought it was the new price checkout.. got home after midnight on XX/XX/XXXX and tried to login to online banking at bmo harris, was denied entry many times... was never able to get it.. then a number appeared stating i needed to call, when i called the number, that recorded message said closed and gave hours available ... early the same morning i received a call from a XXXX at XXXX XXXX XXXX XXXX stating she was with fraud division at bmo harris bank , after numerous attempts to contact her and leave voice messages Inever heard from her.. contacted my local branch her in XXXX illinos and they also tried to contact her, they did mention a deposit made around 3 weeks ago for XXXX seemed suspicious and froze my money in both accounts .... the time the money was deposited, the money showed it was on hold and after many days was released to my banking account ... .why are they going after something 3 weeks ago and approved by bmo harris and now messing with me paying my mortgage and all my bills, i need my money as i have direct deposit thru my work there is no reason why I have to live without my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off of {$10000.00} but they are also showing a monthly payment of {$570.00}. I never set up a payment arrangement. It shuld not show a payment on a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Product: Checking or savings account

On XX/XX/2021, I closed my Citi Checking Account ( ending in XXXX ) and Savings Account ( ending in XXXX ). This was done over the phone, and I have a screenshot showing both of the accounts were closed. At all times prior to closure, I maintained a balance sufficient to avoid a monthly fee, and no fee was charged at the end of the XXXX statement cycle. Sometime thereafter, without my consent and without providing any disclosures to me, Citi re-opened my Citi Savings Account ( ending in XXXX ) and charged a fee of {$30.00}, which overdrew my checking account. Citi appears to have reopened this account for the sole purpose of charging me a fee, which is unfair and deceptive as I did not request or consent to the re-opening of my account. The fee was charged on XX/XX/2021. I contacted Citi through chat on XX/XX/2021, and I was assured that the fee would be reversed, and the account would be closed. I have a screenshot of the chat conversation and of the account showing the credit for the fee. I assumed that the problem was corrected, but I received a letter dated XX/XX/2021, where Citi exercised a right of set-off against a different Citi savings account to transfer {$30.00} to the closed account. I have no idea how they came up with {$30.00} given that the account should have been closed and the amount of the fee was only {$30.00}. 

I am extremely concerned that Citi is re-opening closed accounts without consent or disclosure for the sole purpose of charging inappropriate fees and exercising its right to set-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the Barclays of Delware on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to XXXX XXXX, XXXX and Citibank. XXXX XXXX foreclosed on my property for a {$53000.00} balance I paid to XXXX and Citibank paid off a XXXX XXXX loan released in XXXX! {$20000.00} was included in the XXXX XXXX loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE XXXX XXXX XXXX submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX XXXXXXXX I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. FINANCIAL INJURY. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The first XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a Citibank loan I paid off in the XXXX XXXX loan. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX loan I paid off in XXXX. I believe it also includes {$20000.00} included in the XXXX XXXX loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXXXXXX XXXX included in the XXXX payoff.to which neither were EVER entitled.
Product: Mortgage

Completed trial modification payment XX/XX/2021 amount {$1900.00} Remitted XXXX mortgage payment XX/XX/2021 amount XXXX Requested a fixed mortgage term for 30 years, but received final modification agreement that consist of a balloon mortgage. I did not have a balloon note mortgage prior to the modification. I do not want a balloon mortgage. Per XXXX XXXX customer service I was told to resubmit my request to correct balloon note to a fixed mortgage terms. Received a denial letter stating to many credit inquires and the credit scores were low. Mortgage assistance is not suppose to be based on your credit per the mortgage assistance guidelines. As of XXXX I have resubmitted mortgage assistance request with financials for the XXXX time. Please process request. XXXX XXXX Thank You
Product: Debt collection

Thank You XXXX XXXX  for returning my funds finally after 4 months of investigation. As you now know I did not commit any fraud or un authorized transactions by my mother who gave authorization and instructions to take money from her bank accounts when she became seriously ill again. So I want to up load this final document, Affidavit from my Mother to Bank of America that she sent by Fax yesterday to XXXX from within Bank of America Branch, and also e mailed to the person in charge of frauds mr. XXXX XXXX at XXXX. 
This Affidavit is indisputable evidence and documentary evidence that I did no wrong do and that my Mother made a gross error in filing a false claim on me due to XXXX, XXXX XXXX. 
Please keep this Affidavit from my Mother XXXX XXXX on file in the event you are ever contacted again about these issues on claim # XXXX with Bank of America. 

This is in regard to my accounts with XXXX ending in numbers XXXX, and XXXX. As you can see with all the other evidence I sent you audio and video recordings and my affidavit, this new affidavit from my mothers seals the case solid. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in affirm names and other companies- the other company was already removed but affirm keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX  account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my nasty XXXX XXXX sealed record divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- XXXX XXXX Trans Union and XXXX. If you view my entire history you will see my history. 

Thanks XXXX XXXX
Product: Debt collection

repeatedly calling my place of employment after being told to stop regarding a debt that is unknown to me, also has been using the name XXXX  XXXX
Product: Debt collection

I have 3 hospital bills on my credit & when I went into the hospital in 2016 they said since I just loss medicade my medicade would cover it up for 60 days! And I have all 3 bills still on my credit! Its a violation of Hippa and I want them off my credit NOW
Product: Debt collection

I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.