23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This list below are iquiries that was made without my consent using my personal information with means of getting credit. This is identity theft XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX PXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Payday loan

My issue started this morning when I received a call from Wells Fargo. They called to inform me that my {$15.00}, XXXX loan would not be honored even though I met with a Banker on Friday XXXX XXXX to confirm and sign for the loan based on the terms and reasons that I had been asking for the loan. 
I was informed that the money would be in my Account Tuesday morning. After leaving the Bank I went ahead and wrote a check to a furniture store for the items that we needed since we recently moved to XXXX. What I do n't understand is ; why all of a sudden the terms have changed and the agreement that was discussed last week can no longer be honored. We have no furniture at the moment and we were looking forward to the money that the bank had agreed to lend us. It recently came to my attention that the Bank did not intend to give us the {$15.00}, XXXX loan to facilitate with the furniture purchase and in turn pay off credit cards with the remaining balance of the loaned amount. The Wells Fargo underwriters are not changing their stance even though this was fully articulated the moment I set foot into their bank. 
We are now faced with a Major dilemma because the furniture store is expecting payment and we now had to inform them that we can not pay it due to the fact that the bank will not honor their side of the loan. Furthermore, we are faced with return costs to the furniture store and shipping costs that are close to {$300.00} due the Wells Fargo 's negligence and inability to honor a loan they provided. I am deeply upset and frustrated that this would be a painful experience. We want the bank to honor the agreement and provide us with the funds that will aid in getting furniture and clear off debt. It is now clear that their intent was not to aid in providing a loan for us to get furniture and pay off some outstanding debt. They want to loan us money and they also want to dictate how we use those funds. 
This is why we are writing to you today. Hopefully you can be off assistance because we need some help to get this resolved quickly.
Product: Credit reporting or other personal consumer reports

I am writing to address the response I received from the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint filed on XX/XX/XXXX regarding an inaccurate account. In your response dated XX/XX/XXXX, it was stated that I requested the account to be corrected or deleted, which is inaccurate. To clarify, my request was for the immediate deletion of the aforementioned account due to multiple inaccuracies. This decision was made based on the same inaccuracies that prompted XXXX to delete the account upon my reporting. 
I urge you to rectify this matter promptly by deleting the disputed account from my records for EXPERIAN and XXXX. The information on these accounts which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following. 
EXPERIAN Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Failure to do so will leave me with no choice but to pursue legal action. Please note that I am prepared to file a small claim of {$1000.00} for each violation if necessary. Enclosed with this letter are documents supporting my initial complaint to the CFPB. These documents serve as proof of the inaccuracies reported and the request for deletion. I trust that you will give this matter the attention it deserves and take the appropriate actions to resolve it expediently. Thank you for your prompt attention to this matter.
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 is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported I had a late payment on XX/XX/2022. This was XXXX fault, not mine. Spoke with XXXX and was corrected on their end. I was instructed to contact credit bureaus to open a dispute, so they could correct my credit reporting and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS OPT-OUT confirmation numberXXXX After opting out you violated my rights you Lexis Nexis reported to XXXX, XXXX, XXXX when XXXX froze your report you have done damage to my credit and personal information enclosed are my documents with you FREEZE ANY AND ALL INFORMATION AT ONCE. please explain why you released my personal information after I froze it
Product: Debt collection

I received a letter from Harvard Collection Service located in XXXX in XX/XX/XXXX stating I owed {$900.00} and they were collecting on behalf of Illinois Dept of Human Services ( IDHS ). I never received a bill from IDHS and I had no idea what they were talking about so I called the number on the letter that was provided several times and I was not able to speak to anyone. Then I called IDHS and they had no record of me owing them anything. Then on XX/XX/XXXX I received an alert form XXXX XXXX that my credit score had dropped 96 points because Harvard Collection Service reported I owed {$900.00} for IDHS. I phoned IDHS and again they stated that I didn't owe anything to them and that they did not know of this collection agency. I then filed a complaint with XXXX  about this fraudulent report by the company. Upon filing I read over 135 complaints had been made against this company by others and saw a pattern that most of the people had also received a letter like mine in XX/XX/XXXX too. Some of them stated that they never even lived in Illinois or had not lived in Illinois in nearly 10-20 years or more and their credit was affected by losing 50-140 points ( that's really egregious ). It's apparent to me that this company has illegally obtained hundreds of people information including our social security number and because they are a " real '' company they have access to all 3 credit bureau 's where they submit these erroneous collection reports in an effort to bamboozle their victims into paying fraudulent charges/debit by impersonating that they are collection on behalf of IDHS which is a government agency. I hope that this can be brought to the attention of the public so they aren't fooled into paying this shady company money they don't owe and that they immediately remove their false report against me from all 3 credit reporting agencies. I fear they will assume another DBA and continue on with this illegal practice. They are now stating my account will be removed from all 3 agencies but it is in " pending '' status. That's crazy! They've created a bogus, fraudulent claim against me and now say it's " pending '' when it's not even real. I speculate they may be getting our information on the dark web. This is so scary and they need to be stopped. All the complaints and the pattern of this company 's illegal practices can be seen on XXXX  website. Please help me and all the others who they are victimizing. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information reported by credit bureaus are fraudulent and incorrect
Product: Credit reporting or other personal consumer reports

I have an account with a community bank through alphaeon credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day XX/XX/2023, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Product: Credit reporting or other personal consumer reports

I asked Transunion, XXXX and XXXX to Investigate the legitimacy of these accounts. 

Account Name : XXXX Account Number # XXXX Account Name : XXXX XXXX XXXX Account Number # XXXX I asked for these accounts to be investigated because I do not recognize these accounts and furthermore the discrepancies raised more concerns with the reporting standards of these accounts. I specifically asked for substantial proof and any evidence showing my consent supporting the nature of these reporting 's. 

TRANSUNION and XXXX both stated that the accounts were 'VERIFIED AND UPDATED '' however that can not be true because the accounts that I asked to be investigated are still showing MAJOR discrepancies in the reporting between the bureaus. 

THE CREDIT BUREAUS NEVER TRULEY investigated these accounts and still continue to report them to my consume report. " According to Law 15 USC 1681s-2, a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is proof of falsely investigating and discrepancies ARE HIGHLIGHTED. 

XXXX  did not respond to my dispute but I have already previously submitted a complaint for them**
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.
Product: Credit card or prepaid card

There was a charge in the amount of {$9700.00} on XX/XX/2022 from XXXX XXXX XXXX a place where I have never been or authorized charges from. I called BOA Fraud department and they said they would send me a new card and research the dispute. However, I got a letter in mail today XX/XX/2022 saying my fraud claim has been rejected and I am responsible for this amount I can not pay this because 1 ) I never did charge 2 ) it would put me in financial ruins.
Product: Credit card or prepaid card

I have had accounts opened in my name with banks. One of these accounts is with BBVA Compass. I called them several times last XX/XX/XXXXto notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX I took out a loan to help my brother move from XXXX  back to XXXX  and he agreed to pay the loan back. Well he has went back on his word and told me that he is not going to pay the loan back and now I am almost 3 months late and now the loan company is hounding me and I am on XXXX and the loan company is telling my wife that she cant renew her loan and they have left me messages every day.. The loan company is XXXX XXXX XXXX XXXX, Oklahoma. And I have done my research and found out that they cant sue me because I am on XXXX. I do have a screenshot showing that he agreed to pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal  student loans were transferred from XXXX XXXX XXXX NELNETXXXX XXXXXXXX instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the NELNET accounts without closing the original XXXX XXXX  Accounts. I attempted to dispute this information on XX/XX/2023 with XXXX but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal  government loan provider ( XXXX XXXX  ) has told me theres nothing they can do to update XXXX again. 

Confirmation # of Dispute filed with XXXX about duplicate amounts showing on federal loans : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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: Credit card

Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Product: Debt collection

My husband XXXX XXXX and I, usted to have a join account in Wells Fargo. XXXX weekend, the balance showed we have around XXXX $ available for spending and considering we are the consumers and we rely on Wells Fargo calculations methods and balances we trusted their calculation and information and used that money in food bills, etc. 

To our surprise, the next week they surprised us with a XXXX something balance without better explanation and the transactions were not clear to understand where did we went and overspent XXXX XXXX 

We were plan on resolving this issue with the then, a month past os sit and XXXX day they just closed the account and start to send send bills to us, call every week days and call even on Sunday mornings. 

They did not take the time to clearly breakdown how did we ended XXXX XXXX 

My husband XXXX XXXX got a call from them saying the only way to solve this issue is going down to their offices and paying the balance. No willingness to talk and find a common ground or any other alternatives. 

Since then, the calls wont stopincluding weekends. Once they explain this charges in details and assuming they are correct which we are both sure, we would like to discuss a settlement option. If they are not correct, we want this persistent communication tactics to stop. 

I attached the only page I can found so far of the mail sent to us that does not describe into detail what do we owe and why. I will keep looking
Product: Credit reporting or other personal consumer reports

Experian violated the fair credit reporting act XXXX, As listed on your lawsuit against Experian, Experian continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Experian continues to violate this as I have an open ongoing identity theft on my file. I have Experian credit freeze credit lock which I pay them a monthly fee to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

RE ACCOUNT XXXX Nissan is reporting illegal late payments on my XXXX bureau they are in violation of the FCRA law which I have attached for them to a look. I have not given the consent to report anything on my report.
Product: Mortgage

I have submitted 23 disputes to FREEDOM Mortgage and they have been non responsive to my many concerns related to the processing of my refinance application. I have received several letters from FREEDOM Mortgage stating to allow up to thirty ( 30 ) business days for a response. The response time has expired on letters received as far back as XXXX 2016. I have even sent several emails on these issues. All to no avail. 
I have contacted CFPB, Better Business Bureau, Department of Veterans Affairs and my attorney. Whys has these organization allowed FREEDOM Mortgage to continue to be non responsive to their customers, especially one who is an XXXX Military Veteran with over 30 years of service. FREEDOM Mortgage unwillingness to corporate has lead me to enroll into a repayment program. FREEDOM Mortgage insisted that they did not authorize me to miss mortgage payments during the refinance processing. I provided proof and was told that they did not authorize missed mortgage. FREEDOM Mortgage even stated to CFPB that they did not authorize me to miss mortgage payments. Claiming that documents looked suspicious. Customer may have prepared. I found that their comments were appalling and outrageous. I have attached documents on unresolved issues, numerous complaints against FREEDOM Mortgage.