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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX  I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Product: Credit reporting or other personal consumer reports

XXXX I have no idea who is this company I didn't apply for credit with anyone in XXXX or XXXX of 2024 and why would I do multiple attempts with same company what's this about I have no idea
Product: Debt collection

This company continues to contact me for debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( Experian and XXXX ) but XXXX came back as unverified and was removed from report. 

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

I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX   XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.
Product: Debt collection

XXXX dispute XXXX of events XX/XX/XXXX XXXX from XXXX received. I called them and was told that my account was paid in full and that this was possibly a scam. I was directed to destroy the bill and disregard. Thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that my account was paid in full and that this was a possible scam. I was directed to destroy the bill and disregard thats exactly what I did. 

XX/XX/XXXX XXXX from XXXX for {$110.00} received. Again I called them and I was told that they didnt know why I was getting the bill that my account was paid in full was directed to the bill and disregard thats exactly what I did. 

XXXX XXXX XXXX from XXXX for {$110.00} received. I called XXXX and they told me that I did but they can not tell me what it was for. I paid the bill in full. They closed my account. After several calls, trying to find out what account was open for me and who opened it. I was told that it was for a service from a laptop that I purchased from XXXX store in XXXX. XXXX representative at the store place a {$15.00} reoccurring fee onto my laptop. I did not sign up for this charge. I never used it and they verified this once I called the XXXX store. XXXX acknowledged and told me I would receive the service. They told me at that time that I would receive a credit for the {$110.00} of which Ive never received. 

XX/XX/XXXX XXXX XXXX dropped from XXXX to XXXX. I was turned down for a construction mortgage by town bank in North Carolina. 

Over the course of the last 10 months I have spent over XXXX hours attempting to repair my credit and get this issues resolved. I asked XXXX XXXX attorney-at-law to get involved. He told me he sent XXXX a letter of which they never responded. I have called the credit bureau XXXX XXXX and they told me only XXXX can remove this disparaging report. Upon several calls to XXXX they told me they can not remove it because they can not find my account. 

According to XXXX XXXX and XXXX, my credit scores were XXXX with XXXX XXXX XXXX with XXXX and XXXX with experience on XX/XX/XXXX. But unfortunately, after applying with a different bank XXXX bank XXXX North Carolina, they told me that my scores were in the XXXX with XXXX XXXX and XXXX and XXXX with experian. 

I was told by XXXX XXXX at XXXX Bank to reach out both to XXXX XXXX and XXXX and have them remove the disparaging reports. I plan to do this today. 


This is XXXX. 

XXXX Bank report XXXX Bank report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 

I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : 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 Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.
Product: Checking or savings account

Opened XX/XX/2022 I opened a BoA account " Safe Balance Banking Account '' from the app after someone opened up a BoA account using my husbands social security number. At the time, my husband couldn't get through to talk to an agent b/c you had to have an active account and know the last 4 digits of that or the last four of the debit card. He had no control of the account, so of course, he didn't have that. I opened up an account in an attempt to contact BoA and speak to a human. There was zero checks to see if I was who I said I was when I opened the account. They verify ZERO. The hacker that opened the account didn't even use a real mailing address. Ultimately, we were able to get my husbands fake account closed. I didn't delete my account b/c just in case there were further issues that we would need to contact BoA for. It's not obvious that they charge you a fee. So, fast forward. I now have a monthly fee. The rep told me they would waive and close and that has not happened. I have been forwarded to a rep for resolution. They have ignored multiple emails and voicemails.
Product: Checking or savings account

As stated in  Wells Fargo   XXXX   XXXX ,  2017 letter : SEE ATTACHED LETTER " Subject : Stolen bank transactions with your name and ac count number We want to let you know  Wells Fargo  Bank transactions were stolen on  XXXX   XXXX ,  2017  from  XXXX   XXXX , Florida while in transit to our service center. The transactions included check  ( s  ) issued by you .... '' I might add that my check also included my home address. Except for putting the onus on me to prevent identity theft or other fraud,  Wells Fargo offered no assistance. I find this stunning and irr esponsible!     I tried to discuss this matter with  XXXX , a customer service supervisor, who refused to provide his last name and hung up on me when I asked why he would not provide it. This rudeness obviously exemplifies the  Wells Fargo  culture and pure lack of concern and care for customers!     I look forward to hearing from you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a rental unit due to an unsuccessful attempt to gain access to my credit report via Experian, who asked me for further identification using unfair and unrelated questions. I have been applying and getting denied for an apartment due to inaccurate questions being asked of me for further identification purposes through Experian. I applied for an apartment on XX/XX/2019 at XXXX XXXX XXXX XXXX in XXXX, CA who uses a company called XXXX ( XXXX XXXX XXXX ) to run credit reports through Experian. I paid {$35.00} ( Twice ) and was told that I needed to further identify myself through a link sent to my email with questions that were supposed to pertain to myself, randomly selected and provided by Experian. The questions I received did not pertain to me. For example, I was given a question asking to choose a phone number I am associated with, I either have never had these numbers or they are so old that it is unfair to ask me to remember them and then deny me when I don't. Another examples would be a question asking me to choose the person whos birthday falls on a particular date, not only did I have no association with the people listed in the multiple choice question, but it is unfair to assume that I would know their birthdays even if I had known them. I was charged twice for this service and two hard inquiries have been put on my report regardless of the fact that it was the same company and they said they were unable to run it due to inability to verify who I am. I am in desperate need to have this issue resolved, as I can not find a place to live if I am constantly denied due to unfair questions asked of me. My two-year old daughter and I are within weeks of being homeless due to this issue. I need these questions removed pertaining to people, phone numbers and any other information that does not pertain to me. Seeing as I do not know what questions I will be asked ahead of time, there is no way for me to inform you of which future questions I may be asked that will be incorrect or that I can not answer. I am requesting that Experian provide my report to XXXX, as previously authorize, twice, and remove these questions that were asked of me so future inquiries will be process without delay. I would also like those two hard inquires from Rental Property Solution ( dated XX/XX/19 & XX/XX/19 ) taken off my report as it is unfair for my report to be impacted by an inquiry that could not be completed once, much less, the two times it is on my report from the same company, for the same reason. Thank you for your time and I look forward to a resolution.
Product: Debt collection

On XX/XX/year> and XX/XX/year> accounts ending in XXXX ( Ann Taylor ) and XXXX ( Express ) were paid in full. At that time, XXXX advised they were going to send a letter indicating that the debt was paid in full and that I did not have any further obligation to this debt. They advised they would remove the charge off from my credit report.
Product: Debt collection

Was contacted in writing on XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX  regarding a debt with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX referenced a correct account number for an account that I held with XXXX XXXX, and referenced an outstanding debt of XXXX. I have written confirmation from XXXX XXXX XXXX that my auto loan was paid in full effective XXXX XXXX - it appears that XXXX XXXX XXXX XXXX XXXX gained the information about my automotive loan through a review of my credit file via the XXXX XXXX XXXX XXXX ( found via a review of my credit reports completed on XXXX/XXXX/XXXX ). 

I have written a notification to dispute the validity of this debt, and will be sending it via certified mail within the next 1-2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DateXXXX Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Acct # XXXX Original Creditor : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Comenity Capital Bank, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 

2. A detailed account statement showing the amount of the debt, including any fees or interest. 

3. Date of Last Activity. 

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

5. Documentation confirming that you have the legal right to collect this debt. 

6. Any correspondence related to this account that includes my signature or consent.
Product: Checking or savings account

Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for about a year now for a big purchase on my card. 

I contacted the Wells Fargo team and told them about unknown charges on XXXX/XXXX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking my card was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contact them again they tell me they are still investigating. More time went by, another call, and I was told I will not be getting a refund since my card pin was entered. 

When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I will not see my money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau does not want to remove a XXXX account on my credit that is not mine. I have never had an account with XXXX and I know I have no unpaid debts with them. I have called XXXX and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to XXXX in the past and XXXX promptly deleted the account in XX/XX/XXXX once they verified it was not my account. How can there be different results between XXXX and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching XXXX 's investigation results also showing the account was deleted. The account number is XXXX and the balance is {$54.00}.
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 confidentiality 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 All have 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 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 or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Have been asking for written confirmation of their payment of property taxes from escrow. They called once, said they would send confirmation and have not, nor paid the taxes. I have sent XXXX requests in the past month. I have received a past due notice from the county tax collector.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX and I am writing to address a serious issue regarding a violation of my privacy rights. The original creditor, XXXX XXXXXXXX XXXX  XXXX, has sold my account to LVNV Funding LLC without my consent. This transfer of my personal information, including my Social Security number, date of birth, and address, to a third party is a clear violation of my privacy rights.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Debt collection

On XXXX XXXX, This debt collector contacted my employer through our XXXX   phone number that is used for XXXX  emergencies and XXXX  XXXX. representative was told by staff members to please not contact this number for any personal calls but the representative insisted to speak to this person even after being told this designated number is for XXXX XXXX only. An office manager had to speak to the debt collector and repeated verbally once again to not use this phone number for anything personal, rep interrupted multiple times to insist it is personal but needed a message to be left. Office manager respectively told the debt collector once more she can take a message but to please not call this line. Rep insisted to speak to person in debt and was not listening to us. We are a business and only have 1 line for all our small business needs.
Product: Vehicle loan or lease

About a year ago around mid XXXX, I paid off my car loan early due to refinancing it with another company. I contacted suntrust to inquiry about my GAP refund due to the early payoff. I was advised over the phone that I was not eligible for a refund. Im not understanding how this is possible if my GAP was included in my total balance due/ payoff.