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 Trans Union 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 wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXX XXXXTRANS UNION XXXX XXXXTRANS UNION XXXXTRANS UNION XXXXTRANS UNION XXXX XXXX COAF-08/12/23-TRANSUNION JPMCB-05-12-23-TRANSUNION XXXX FCU-04-20-23-TRANSUNION XXXX LANE-04-20-23-TRANSUNION XXXX CLUB-01-21-23-TRANSUNION XXXXTRANSUNION The consumer credit report maintained by you was not opened , made, or initiated by me . From the inaccurate spelling of my name to the wrong addresses, 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 inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My last two written complaints were not thoroughly vetted nor responded to in a timely manner by people with plenary banking authority and with details to resolve to my satisfaction all my complaints and then return the now over {$600.00} to me and have my account made secure from theft and employee instigated malfeasance. Since the date of my last complaint on XX/XX/year> I have spoken to CFPB customer service reps twice and found them uninformed, rude, condescending and deceitful. XXXX XXXX the individual responding to CFPB submissions to Wells Fargo is terribly unsophisticated and claimed to be working for the executive floor in XXXX North Carolina. Executives for Wells Fargo are in XXXX XXXX. Her email response to me came from South Dakota. Instead of doing new research for the new complaint she duplicated her response to the from the XX/XX/year> complaint in it's entirety without explaining why. CFPB employees and Wells Fargo employees refuse to allow me to speak with someone in their institutions with more authority and power. I need better people with more power to resolve the ineptitude at Wells Fargo.
Product: Checking or savings account

Bank of America had failed to fulfill its promise of the XXXX dollar bonus for XXXX direct deposit. I had fulfilled requirements on XX/XX/XXXX but over XXXX  days later no bonus yet. Other customers had bonus post within as little as XXXX  days or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts in my name, one for {$210.00} for XXXX  XXXX. I called and stated that I did not open account and was having identity theft in my name due to ex husband. They took the fraud report and closed account. Theres an account for XXXX XXXX XXXX and one for XXXX XXXX XXXX  that were open in my name : did do police report back in XXXX to report fraud and identity theft
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies with this account such as : date opened, high credit, credit limit, last reported, date last active, and date of last payment. There are so many discrepancies to the point this information can not be reliably updated, the only option is removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was supposed to get certificates of deposits for my birthday but so far haven't from XXXX XXXX XXXXXXXX. 

XXXXDK who, but they claimed they worked for XXXX XXXX police department and stole my social security number. They said their name was XXXX. 

On XX/XX/XXXX, on my email, XXXX, XXXX stole my credit. 

My XXXX  account was illegally/unlawfully moved to XXXX XXXX , the airforce is involved with this I presume and early warning services. I still have yet to opt out of early warning services who've falsified my business records. I want to settle with these companies. I've had a DoD employee named " XXXX XXXX, don't know his last name at XXXX XXXX XXXX  stock me. 

All Rights and Immunities Reserved except for the bad ones. Please but a hold on my account/number and all emails until this gets resolved.
Product: Mortgage

WE RECEIVED OUR HOMEOWNERS INSURANCE RENEWAL STATEMMENT XXXX XXXX TODAY AND NOTICED THAT WELLS FARGO HOME MORTGAGE PALCED A LEIN ON OUR POLICY. HOWEVER, WE DO NOT HAVE ANY ACOUNTS WITH THEM. WE DID APPLY FOR A MORTGAGE FOR A DIFFERENT ADDRESS, BUT WAS DENIED. XXXX XXXX FILED PAPERWORK ON XXXX XXXX TO PLACE THIS LEIN. SINCE WE WERE DENIED THE LOAN I WOULD THINK IT GOOD FOR WELLS FARGO MORTGAGE TO MAKE IT THEIR PRACTICE TO MAKE SURE THEY HAVE DONE NO ADDITIONAL HARM TO THEIR APPLICANTS AND DOUBLE CHECK MAKING SURE THEY HAVE N'T INFRINGED ON APPLICANTS.
Product: Checking or savings account

XX/XX/XXXX I opened a Citibank checking account. I initiated this account over the phone and transferred money from my other bank accounts. I wanted to receive the cash bonus promotion they were running. 

XX/XX/XXXX After having the account open and using it for a couple months, I received a letter dated XX/XX/XXXX that stated after a recent review, it has been determined that we can no longer service your accountit will be closed within sixty days from the date of this letter. 

I had {$62000.00} in the account at the time of closing. 

I called on the phone and was told is was closed due to fraud. I was told I would receive a check in 30-60 days. They couldn't provide any more information. 

XX/XX/XXXX I went into a local branch and they called for me. They did not get more info on why it was closed but asked someone to expedite a check for the money that was not under investigation. 

XX/XX/XXXX I received a check in the mail for {$57000.00} with no letter or explanation. There is still {$4800.00} that they are holding. 

XX/XX/XXXX, XX/XX/XXXX I reached out again and was told that it was still under investigation and to wait for a letter. 

XX/XX/XXXX I still had not received a letter. Went to local branch and the XXXX called the back office. He asked about what happened to the {$4800.00} that is missing. At first the person said {$2800.00} was put in the Citi sub-ledger. When we told them how much was actually missing, they changed the number to match the {$4800.00} amount. 

We were told there were fraud abuse credits. However, I can account for each transaction on my account and there is no fraud. I was told again to wait for a letter. 

XX/XX/XXXX I received a letter that said we do not have enough information to complete your research. 

XX/XX/XXXX I went into local branch again. The called the back office again and I was told that the {$57000.00} was all that I was due. The other amount was put in the general ledger. They could not tell me why.
Product: Credit reporting or other personal consumer reports

I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. XXXX and XXXX are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not validated any of the debts Equifax has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by Equifax to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.
Product: Payday loan, title loan, personal loan, or advance loan

I did a BNPL loan for merchandise that was returned to companies. 
XXXX XXXX XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX - XX/XX/2024 {$190.00} The refunds were returned to the credit card on file, which was Klarna and totaled {$250.00}. All my loans were already paid off, and I owe Klarna nothing. When I inquired about receiving the credit, it was put on Klarna Balance, a virtual credit card. I tried several times to use the card to no avail. I understand Klarna 's policy that these funds can not be withdrawn but can be applied toward loans and/or purchases. Heres the conundrum : 1 ) I was instructed to use Klarna Balance as my default payment option until the funds are used, but that does not work. I even added {$5.00} to try activating the card, Additionally, Klarna Balance is not available as a payment option at any online store checkout.

2 ) Klarna Credit, which is a different entity from Klarna Balance, continues to deny me credit. This prevents me from using the {$250.00} credit/refund to pay off a loan.

3 ) Customer service advised me to wait until Klarna starts giving credit again. 70 % of customer service is AI. Unfortunately, the human representatives have the bare minimum of information and conversations quickly go in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account XXXX XXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the XXXX pandemic, which impacted my payment ability during the period in question. 
Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers. 
CARES Act Provisions and XXXX Impact : Due to the XXXX pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the CARES Act, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period. 
Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under XXXX accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet XXXX and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that TransUnion immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any XXXX accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

A debt was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation; Not Mine; Names, Addresses, Accounts :

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX/XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX


FCRA Violation ; Never late:

Account name
XXXX XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX
Account number
XXXX
Date opened
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My XXXX account was hacked. Somebody used it to funnel money from XXXX account to another after hacking my login. XXXX was supposed to do an internal investigation and never followed through. They sent to collections and collections started to report on my credit that I didn't pay a debt. I was never loaned any money by XXXX to begin with so could not have debt to be reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : 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 ; CONSUMER : means an individual. 

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, TRANSUNION, AND XXXX my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Acct # XXXX The creditor has violated my consumer rights under fcra. The balance is paid in full and is being reported with a balance! Spoke to rep XXXX on today XX/XX/XXXX at XXXXXXXX XXXX est and was informed there is no record from the third party company collector called true accord that the acct is paid in full. XXXX also denied my dispute after providing valid proof of the debt being paid in full!!! On the credit report it is showing that the balance has been updated as of XX/XX/XXXX, which is a inaccuracy!!!!! The acct is being updated monthly year to date! 
However it states that there was a dispute updated in XX/XX/XXXX! And the document I provided to XXXX is attached! 
They also too have violated my rights under fcra. 
According the FCRA Inaccurate, incomplete, or unverifiable information must be removed usually within 30 days! According to Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA!!!
Product: Mortgage

I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XXXX 2008. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and did n't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
Product: Credit reporting or other personal consumer reports

I want to remove my inquires on equifax due to 15usc1681b permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out SEVERAL times and they will not update my personal information to report correctly, and I have a couple hard inquiries that need to be removed as I did not authorize these. They will not even discuss my credit report or my information with me. Very unprofessional as to why I will be seeking legal action if these items below are not corrected in a VERY TIMELY manner. Per the legal advice my name needs to appear as it does on my ID XXXX XXXX XXXX any and ALL other names need such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to be removed. My address needs to be updated to XXXX XXXX XXXX XXXX, Ga XXXX Remove XXXX XXXX XXXX XXXX Ga XXXX - never lived here Remove XXXX XXXX XXXX XXXX, Va XXXX - no XXXX XXXX - do not live here Remove XXXX XXXX XXXX XXXX Va XXXX- do no live here Remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX Va XXXX- do not live here Remove employer XXXX - I do not work here Remove XXXX XXXX XXXX- I do not work here My employers is XXXX XXXX - UPDATE to reflect this employer These XXXX inquiries were NOT authorized and only XXXX ran my credit through them in XX/XX/XXXX - how these others got on here are beyond me as I only authorized XXXX credit run when I bought my car. I spoke with XXXX and they said they did not request these inquires as they knew only to try one bank. As NOBODY would shop around and allow this many hits on their score and credit report. I am beyond livid that this is on my report to begin with. If these items are not removed and or updated in a timely manner I will be getting a lawyer to look into this and will sue if i need too. This is affecting my credit rights, consumer rights and withholding me from providing for me and my children. CORRECT THIS NOW!!! 

REMOVE THE FOLLOWING : You DO NOT have consents or signature for these inquiries. 
XXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX Dealer dated XX/XX/XXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX
Product: Debt collection

Trying to collect a debt that they could not verify the debt. They sent me a credit card bill no signature on the verification letter. The dates are wrong on the debt the original creditor doesn't exist anymore. The debt is over 7 years old it shouldn't be in my credit reports. 
I sent all the documents to a attorney he told me it shouldn't be on my credit reports but it is. I contacted them numerous times and getting the run-around. 
Portfolio recovery services XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX