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

I froze my credit reporting with all three large agencies. XXXX of them I was able to unfreeze easily. Experian provided a pin to unfreeze my account, however when trying to unfreeze my account, my SSN #, nor my birthday are recognized by the system. I am also not able to recover my user name through Experian system. I wrote to them to request a pin, however I am not able to enter the system to use the pin. When calling customer service now, I am unable to discuss or get help from anything besides the AI, and this is completely unhelpful and recommends I do the steps I have already completed. 

Bottom line, I am unable to freeze my credit score, because Experian website does not recognize me, and I can't communicate with a person to fix this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX ( XXXX ). These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

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 has violated my rights. 

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 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: Checking or savings account

On XX/XX/23 I made a deposit to my checking account at a Navy fcu atm. On XX/XX/23 I received a letter dated XX/XX/23 unsigned from the security department stating that they we're delaying {$270.00} of my total deposit of {$500.00}. j That they were taking this precaution because they have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. There was no reasonable cause to doubt collectivity & this was an outright violation of section 229.13 of regulation cc. This was a check written from one of my accounts to navy fcu, the check was signed and listed my name & address.
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 : Acccount name : XXXX Account number : XXXX Acccount name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Acccount name : XXXX XXXX XXXXXXXX Account number : XXXX Acccount name : XXXX XXXX Account number : XXXX Acccount name : XXXX XXXX Account number : XXXX Acccount name : XXXX XXXX XXXX Account number : XXXX Acccount name : XXXX XXXX XXXX Account number : XXXX Acccount name XXXX XXXX XXXX  Account number : XXXX Acccount name : XXXX XXXX XXXX XXXX Account number : XXXX -- INQUIRIES -- 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 XXXXXX/XX/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 or other personal consumer reports

The name of the company is called fortivia and also XXXX XXXX and XXXX XXXX XXXX  somebody had to use my name and credit and information fraudley without my permission and it put negative reflects on my credit
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Dear Sir/Madam, I am writing to formally dispute two hard inquiries listed on my credit report. Upon reviewing my report, I noticed that two inquiries were made by " Sarma Mortgage Service '' on XX/XX/XXXX, XXXX XX/XX/XXXX, which I do not recognize or authorize. 

I attempted to contact Sarma Mortgage Servive to verify the reason for the inquiries but no information could be found in their system referencing me.

To the best of my knowledge, I did not give consent for Sarma Mortgage Service to access my credit report. Therefore, I respectfully request that these two inquiries be removed from my credit report.

Please investigate this matter and, if necessary, contact Sarma Mortgage Service directly to confirm whether they have any legitimate reason for these inquiries. I would appreciate it if you could send me a written update once the dispute has been resolved. 

Thank you for your attention to this matter. Should you require any additional information from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to formally dispute several unauthorized transactions on my bank account that occurred on XX/XX/XXXX, and between XX/XX/XXXX, and XX/XX/XXXX, related to a gambling app. 
I did not authorize these transactions, nor did I give permission for anyone to use my account or debit card. These charges are fraudulent, and I request that they be investigated and reversed. 

Unfortunately, I was unable to review my account statements promptly during this period because I was seriously ill with XXXX and it was the holiday season. This delayed my awareness of the transactions and my ability to notify the bank in a timely manner. As soon as I noticed the unauthorized activity, I took immediate steps to address the matter. 

I submitted a dispute to my bank ; however, they denied my claim and did not have a valid reason to do so. As a result, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to intervene and help resolve this matter. 

To further support my dispute, I visited the XXXX Police XXXX and requested a report. Unfortunately, they informed me that unless the individual responsible for the transactions was explicitly identified, the issue must be addressed directly with the bank. 

I kindly ask the CFPB to assist in holding my bank accountable for addressing these unauthorized transactions appropriately. Please let me know if further information or documentation is needed.
Product: Vehicle loan or lease

I forgot to make a payment on my XXXX XXXX XXXX for {$330.00} in the month of XX/XX/XXXX. A Toyota agent called me on XX/XX/XXXX and informed me of this and on the phone I scheduled a payment with the representative, the agent waived the late fee as well. The following days I checked my bank account, the payment pulled successfully on XX/XX/XXXX and I received an email from Toyota saying that the payment was posted to my account, I was now all caught up on payments. I then made another payment on XX/XX/XXXX for the amount of {$330.00}, this was to pay for the month of XXXX. XXXX I receive a statement in the mail saying that I owe two payments, one for the month of XXXX and XXXX for the month of XXXX. When I called Toyota they claim they never got my payment on XX/XX/XXXX for my XXXX XXXX. 
I reached out to them multiple times, I followed their protocol of faxing over my bank statement showing that the payment was pulled and never returned to me and I even had them notate in my account that the I did indeed fax over the bank statements to both numbers given to me. I had let the representative know that the fax was showing up on my end as no answer and requested some form of receipt for the fax to ensure it was sent but they told me there was no way to issue me a receipt but its rare that they dont get faxes. I paid my XXXX payment and then I called Toyota again on Monday XX/XX/XXXX to see if they updated my account as I sent the faxes on XX/XX/XXXX around XXXX. The representative let me know that the finance department was waiting to receive all faxes ( from XX/XX/XXXX ) and this agent said he would call me back the next day with an update, nobody ever called me back. They have never updated my account to reflect the payment or refund me and nobody seems to have an answer for me but I just got my XXXX statement and it shows that I still owe my XXXX payment and there is now a late fee. I have reached out and nobody seems to be able to mark my account as paid or re issue me a refund.
Product: Checking or savings account

On XX/XX/2021 when I logged into my SunTrust now Truist business account I received a message saying that I was not authorized. I immediately contacted the bank and was told that my account has been closed with a no debit order per SunTrust rules and regulations as of XX/XX/2021. However, I personally made a deposit on XX/XX/2021 for {$910.00} which was accepted. I spoke with 3 managers and went to 2 branches without resoultion. I was finally told that there is suspected fraud under investigation and someone will contact me when the investigation was over. I was able to obtain a print out which showed someone tried to hold {>= $1,000,000} on XX/XX/2021 and on XX/XX/2021 a Legal Order Debit for {$9300.00} was garnished from my account by XXXX XXXX XXXX  who was my PPP lender. However, the loan was transferred to XXXX which has that I owe the full amount of my loan and there isn't anything due. XXXX XXXX has no knowledge of any legal debit order, XXXX has no knowledge of said order as well and I was advised to contact SunTrust/Truist fraud department and XXXX XXXX XXXX which I am unable to obtain any help. I have the print outs from all entities. I am a XXXX XXXX and this is my XXXX XXXX which they have stolen my funds and are withholding from me in the midst of a pandemic. This is XX/XX/2021 and SunTrust now Truist still hasn't contacted me not even to tell me about this fraud. I am seeking immediate return of my funds as this clearly has nothing to do with me or my XXXX XXXX.
Product: Student loan

Back in XX/XX/XXXX I wrote to Sallie Mae to try and find out why an account for them was showing up on my credit report. Sallie Mae sent me a Student Loan Final Disclosure but nothing with my signature on it showing I agreed to be a cosigner for my granddaughter. I recently spoke with Sallie Mae Fraud Department. They say that they have a conversation recorded by Sallie Mae speaking with me where I admitted I cosigned for my granddaughter and that they do n't need a signature from me. I asked Sallie Mae for a copy of the recording and they are refusing, saying that I need to subpoena their records. The Maine Attorney General 's office referred me to CFPB to see if I can get a copy of the recording.The loan was taken out XX/XX/XXXX and they say the recording is from XX/XX/XXXX.
Product: Mortgage

The reason for my complaint is to bring to your attention some of the issues I am have with my commercial Mortgage company Wells Fargo Bank. The bank is circumventing regular channels in order to force me to pay fines I am not obligated to.

My LLC is the borrower of the non-recourse loan. However, Wells Fargo is suing me personally, for the repayment of a loan on my business property along with fees, interest, and penalty while refusing to allow me to go to closing on the buildings which would allow me to obtain the necessary funds to pay them. They are using threatening and bullying tactics through their legal counsel to extort money from me. Additionally, the attorney of the bank threatened me multiple times to try and force me to sign away my protective rights under my loan agreement. The attorney prevented me from communicating with the bank and refused to negotiate unless I gave up my rights.Wells Fargo is threatening to foreclose on the buildings even though we have a Buyer, the redevelopment authority of XXXX XXXX County, Maryland. Closing has been scheduled for XX/XX/XXXX by the title company, however the bank refuses to cooperate and give a payoff quote. Instead they have filed a law suit against me. 

I purchased the buildings in XX/XX/XXXX, and they were doing well financially until I was approached by the Redevelopment. In XX/XX/XXXX, I was informed that the buildings were under the development plan. In XXXX, the XXXX issued a letter of Eminent Domain. 

I would appreciate any assistance you could give and if you could look into the unfair treatment from the bank. If you can help me persuade Wells Fargo to provide a payoff quote to the Title company which would allow us to close.

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

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that XXXX Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX XXXX, XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. XXXXsunion removed the collections from my XXXX XXXX account on XX/XX/XXXX however, XXXX has not when it is the same dispute. I filed a dispute 3 times with XXXX and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not XXXX. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My girlfriend XXXX is also having similar problems but she will submit her own complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES. 

THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.
Product: Checking or savings account

I opened 2 Trust Checking Accounts about 4 months ago. Since day 1, XXXX XXXX can not properly record the Address of the Trust. I have contact the Local branch as well as Wells Fargo Corporate office at least 4 times now, including about 3 or 4 complains online to the XXXX and CFPB. I have threatened to leave the bank a half dozen times ... .yet NOBODY at Wells Fargo is fixing the issues. All i ever get, are employees who are completely incompetent. Not 1 Wells Fargo employee has the brain power to simply RECORD THE PROPER ADDRESS. So the purpose of this Complain is : i went into the Local branch  today on XXXX XXXX in XXXX. I had 3 temporary checks made ( I NEVER RECEIVED MY CHECKS THAT I PAID FOR ) and they made me pay 3 dollars for them. When i got home, i realized the Bank DID NOT PUT THE TRUST NAME ON THE CHECKS, instead they put a legal name, NOT THE TRUST NAME ... .and they wrote down THE WRONG ADDRESS ONCE AGAIN!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with XXXX, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF ED/XXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.