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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX
Product: Debt collection

I have sent a dispute letter to this third party collection agency Phoenix twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and they have yet to respond to me. I paid this medical bill in the amount of {$200.00} way before it was sent to there office for collections. I sent them documentation supporting my payment and have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection of {$670.00} on XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is a {$0.00} balance due. Therefore, there is nothing to collect and nothing to report as a collection. XXXX has removed this line item from my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Checking or savings account

I placed a check deposit into my account via Regions bank app on XX/XX/XXXX. Typically my check would be deposited the next day. I had been making online payments with the assumption that my check was successfully deposited. Ive never been granted to ability to spend over {$200.00} on a account in the negatives, this was problem # 1. 

The following Wednesday I went to make a online purchase and my card was declined which is how I found out that my account was in over draft because the check never went through the system. I had two draft fees, one for XXXX and another pending for {$100.00}. I was guided to call back the next day to see if I could get the my fees waived once posted. I spoke with a online banker Thursday on XX/XX/XXXX who agreed to waive my bank overdraft for XXXX. When I advised her I have always had notifications set to come to my phone/email for situations like this so that I would never find myself in thie situation but I never received any alerts, she transferred me to the tech department to figure out why I was never notified. 

The technician checked my account and there was nothing in the system showing any information in relations to my account alerts, there was no phone number or email showing up in her system, she couldnt see anything relating to when alerts were on, whether or not they had been turned off, nothing. I looked into my app and there was absolutely nothing showing in my alerts set up. It was as if my app had started completely over. I asked if this couldve occurred when I did a app update and she couldnt answer that. She suggested for me to create alerts in the system all over again so that I would receive them. I told her I have emails and texts showing that at one point I was receiving alerts from Regions and in no way would I have ever turned them off. When I asked about being refunded the last fee she told me to go to a brick and mortar for help. 

XX/XX/XXXX I went to the bank and the banker told me that they had refunded me all that the bank will allow. When I told him that there was obviously some sort of issue in the system that prevented me from receiving any updates that would have allowed me the opportunity to handle the over draft in a timely manner or in the very least not have made any purchases and resubmit the checks, they told me they just have no ability to refund me the additional {$36.00}. 
When I asked the gentleman so youre telling me even if the mistake is on you alls end, you all would essentially be receiving free money from me on a mistake on your companies behalf his response was, Im sorry but, YES!
Product: Money transfer, virtual currency, or money service

I bought a money order on XX/XX/2022 at XXXX # XXXX of XXXX Michigan for {$600.00} as a way to keep my cash safe instead of carrying that amount with me. I was assured I could cash it to myself. Tried to cash it at the same store and was told I had to wait XXXX hours exactly from time of purchase. Came back after XXXX hours, They still would not cash it because I never had cashed a check there. Tried to cash it at my bank, XXXX XXXX, they do not cash money orders. Could not reach a single person at western union, the online refund form was down, chat sent me to the same form and suggested I continue to try till it worked. 3 days later the site works with a 30 day process time sign a fee! This was my XXXX money. Absolutely disgusted with this company and the service. Case # XXXX
Product: Mortgage

This is another coplaint about the same and no solution as I stated in my previous complaint I been robbed by XXXX bank and his partner in crime shellpoint morgage servicing but no one cares couse it's not their situation or their problems to stop harassing from this shellpoint morgage servicing I had to pay them money i I didn't owed them but they claimed I owed why this place I'm no only they were harassing me but they have in un the credit report as I was late another issue tha up to now it's gotten me stuck in my intents from moving to a different morgage bank they keep sending you any type of paperwork and it that's all it ends there never a proper answer or explanation they keep blaming XXXX  XXXX XXXX another corrupted morgage company or bank they might think because i paid them the extra month and all the late fees and they stopped the harassment that every thing end there but not really you are helping a corrupted morgage company to get away with my money or a crime you are covered them and this needs to be published and I will not stop ....
Product: Credit reporting or other personal consumer reports

**Subject : ** Pre-Arbitration Complaint Against TransUnion for Violations of FCRA and Privacy Act of 1974 Dear CFPB, I am writing to formally file a pre-arbitration complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. TransUnion has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report.

Moreover, TransUnion has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in violation of both the FCRA and the Privacy Act of 1974. & 16 CFR Part 313 - PRIVACY OF CONSUMER FINANCIAL INFORMATION Additionally, I have identified multiple unauthorized inquiries on my credit report from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that TransUnion update my credit report to reflect all transaction histories as XXXX and ensure that all accounts are reported as current. TransUnion has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. 

These actions by TransUnion represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX FROM CONSUMER CREDIT REPORTS NOW
Product: Mortgage

I have had the WORST experience with SWBC and more specifically, XXXX XXXX. 

I contacted XXXX and her team in XX/XX/XXXX. After 9 months of having to email her multiple times starting in XXXX of XXXX, I've had the last straw. She's run my personal credit report three times ( the last of which she didn't even tell me about ), allowed my appraisal report to expire, and not listened to what I've asked for. Today she finally told me, in XX/XX/XXXX, that she won't do my loan. 

The only way I got her to respond after emailing her several times was by emailing her employees. I have provided what they've asked for time and time again and she drug this process out for 9 months. I've had to make changes the last few months which have changed my financial position which is why I contacted SWBC back in XX/XX/XXXX. 

She is the most unprofessional, unhelpful employee in your company and I will be sure to let everyone else know to steer clear of XXXX and SWBC. In the meantime, this delay has caused me a lot of time and money and the ability to refinance my property. 


XXXX XXXX XXXX Loan XXXX SWBC Mortgage XXXX cell XXXX office XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

I contacted this company via US mail in attempt to get them to validate this debt. The company has not responded nor provided debt validation. they have reported this account to all XXXX credit bureaus
Product: Credit card

I OPENED A CREDIT CARD ACCOUNT WITH WELLS FARGO CREDIT CARD SERVICES. 
MY CREDIT WAS PULLED ON XX/XX/XXXX FOR THE APPLICATION. I WAS APPROVED ON XX/XX/XXXX AFTER A LOT OF PROBLEMS THAT WELLS FARGO CAME UP WITH WHICH WERE ALL INACCURATE I USED THE CARD ONCE AND DISCOVERED IT HAD BEEN CLOSED. 
I CALLED CUSTOMER SERVICE AND VISITED THE BANK SEVERAL TIMES. AFTER A LOT OF CALLS, I WAS INFORMED THAT THEY DETERMINED THERE WAS FRAUD ON THE ACCOUNT AND CLOSED IT. 
I SAID THAT I WAS NOT INFORMED ABOUT THE CLOSURE. I COULD NOT GET ANYONE TO SPEAK WITH ME OR PROVIDE ANY ADDITIONAL INFORMATION TO ME. I DID NOT RECEIVE ANY COMMUNICATION FROM WELLS FARGO PRIOR TO THE ACCOUNT BEING CLOSED. 
I WAS LATER INFORMED THAT I COULD RE-APPLY FOR ANOTHER CARD. 
THEY DID NOT CALL, EMAIL OR CONTACT ME PRIOR TO CLOSING THE ACCOUNT. 
I ASKED IF THEY WOULD PULL MY CREDIT AGAIN AND THEY SAID YES. THIS IS VERY CONCERNING TO ME. EVEN IF I DO NOT RE APPLY FOR THAT CARD, BUT APPLY FOR ANOTHER NON-WELLS FARGO CARD, THERE WOULD NEED TO BE A HARD INQUIRY ON MY CREDIT, WHICH IS BAD FOR MY CREDIT. 
WELLS FARGO ACTED EGGREGIOUSLY BY CLOSING THE ACCOUNT WITHOUT ANY COMMUNICATION TO ME, AND BY SO DOING, IS SUBJECTING ME TO TWO HARD INQUIRIES WITHIN 60 DAYS. 
FOR THAT REASON, WELLS NEEDS TO CORRECT THE SITUATION BY EITHER RE-OPENING THE ACCOUNT OR INITIATING A NEW ACCOUNT WITOUT A HARD INQUIRY ON MY CREDIT. 
THE EFFECT OF THEIR EGGREGIOUS ACTION WOULD BE 2 HARD INQUIRIES ON MY CREDIT WITHIN TWO MONTHS. IN EFFECT, THE INITIAL INQUIRY WOULD BE FOR NOTHING. THESE TWO HARD INQUIRIES WITHIN TWO MONTHS, WHICH WOULD BE DETRIMENTAL TO MY CREDIT AND THEREFORE, MUST BE AVOINDED.

I AM SEEKING THAT THEY BE MADE TO WAIVE ANOTHER HARD INQUIRY WHILE THEY REOPEN THE CLOSED ACCOUNT. THEY NEED TO REPAIR THEIR MISTAKE AND NOT MAKE ME TAKE THE FALL FOR THEIR INADEQUATE POLICIES AND HARMFUL BEHAVIOR TO CUSTOMERS. 
THEY NEED TO BE STOPPED
Product: Credit reporting or other personal consumer reports

I have sent al necessary paperwork to Experian stating I am in fact a victim of identity theft. They refuse to block the information for whatever reason. I am not praying the CFPB reviews my paperwork and blocks all accounts that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

Someone used my personal information to obtain an XXXX XXXX without my authorization in XX/XX/year> and it was closed in XXXX. I overlooked the information until after the account was closed because the 3 credit bureaus did not report any hard inquiries before. I thought that XXXX XXXX ' fraud prevention measures had been activated thereby closing the account, and with no hard inquiries recorded on my credit report, the credit freeze had been turned on, so no further action was taken. However, I was unaware that the card had generated a large number of fraudulent purchases and had been delinquent in some way before it was closed, and that XXXX XXXX XXXX, which issued the card, had not reported this information to all 3 credit bureaus until XX/XX/XXXX when XXXX XXXX submitted the delinquent unpaid amounts to 3 credit bureaus. This has caused my credit score to suffer greatly. The FTC report will be attached.
Product: Payday loan, title loan, or personal loan

account could not to be 180 days late for XXXX through XX/XX/2019 because the account was being paid on time through garnishment. 

Account stayed 180 days late in error for consecutive months effecting my ability to retain new credit opportunities. 

Account is logged as being a secured loan when the loan was actually a unsecured debt The loan company also contacted my employer constantly causing embarrassment and constantly giving them personal information like please have him call us he is late on his loan. 

Also they contacted family members stating I was late which caused more embarrassment. 

The creditor also applied unauthorized hard inquires after using my stolen information. I never authorized these hard inquires
Product: Debt collection

I do not have a contract with this company. I requested a debt validation on XX/XX/2020 and the company provided me with some Bill. I did not receive any type of mail before my credit report was tarnished! Thats against my rights! As I look over the bill, ( no contract between the company and myself ) I also noticed that this company added a collection fee of {$390.00}. I have NEVER heard of a company being within legal rights to change a fee to another amount just to add their fee to it!! I was violated in many ways by this company and Im embarrassed that I have to submit such a complaint on my behalf. According to the FCRA, I was supposed to receive proper paperwork in the mail first to give me a chance to figure things out. I was never sent anything because I do not have a contract with this company! This company has failed me and stripped me of that right.
Product: Credit card or prepaid card

I, XXXX XXXX, Consumer, Living person sent in a payment of {$950.00} in a remittance payment. I turned the statement into a negotiable instrument & money order. I have put my beneficiary signature in it also, ucc codes stating what exactly to do with payment and why it is a valid payment according to federal laws. On XX/XX/2022 a certified mail this payment. Attached below aswell. On Saturday XX/XX/2022 it was received by a employee from American Express from the post office. Now the payment can not be found and did not apply payment to my account. Theyre committing fraud for not applying my credit to my account. Also, with billing errors and contacting me the consumer. I have provided tracking number for proof of sent of payment but they have failed to apply my credit.
Product: Credit reporting or other personal consumer reports

Attention Equifax credit, I would like to bring to your attention an account that I have noticed on my credit report from XXXX. However, I do not have any account with this company and I am concerned about the accuracy of my credit profile. I kindly suggest checking the social security number associated with this account on different credit profiles, as I have found that sometimes they can be mistakenly merged with accounts from family members. This is not my personal account and I would appreciate it if you could remove this account immediately. Thank you for your prompt attention to this matter.
Product: Debt collection

The following company continues to call me from a variety of numbers, usually numbers associated with area codes my family or I live in. The numbers that they use can not be called back as they are usually disconnected immediately or someone answers who claims to never have made the call in the first place. I've offered to pay them back using an online/XXXX, mail, or in person process but they insist I give out my debit card or banking information over the phone. I don't feel comfortable doing that, especially when they call me from a different number multiple times on a daily basis. Any help you can provide would be appreciated. 

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I inadvertently took out a Pay Pal account approximately 4-6 years ago. I was unable to close the account, and have never used it. 
I have email printouts from both XXXX and XXXX dating from XX/XX/22 to XX/XX/22. 
I was contacted by the pay pal billing dept on XX/XX/22, concerning a {$600.00} bill for purchase of three {$200.00} gift cards from XXXX, {$600.00} total, which I did not buy. 
XX/XX/22- received a second email billing for {$600.00} I called the pay pal billing dept to report that I did not purchase the gift cards. 

I was referred to the above win.services email address, and sent my refund amount and last four numbers of my bank account. However, the amount was XXXX ( hit the number 4 instead of $ ). 
They explained that the scammers had made a {$4600.00} deposit into my bank account, and I needed to go to get eight XXXX gift cards of {$500.00} each, and to read the numbers on back of the card to provide pay pal the credit for the amount shown as a deposit into my account by the scammers. Meanwhile they assured me that they were cleansing my computer of hacker access. They showed me the deposits into my bank accounts, and my credit union account. I continued to believe them, as the format showing deposits into all of said accounts were the same as I encounter routinely doing on-line banking. Thus, I believed what they said. This process was repeated multiple times. 
Total withdrawn by me in cash to pay for the XXXX cards was near {$30000.00}. 
I have scanned and uploaded the emails from the two above sources. 
I learned that the bank and credit union accounts showed no deposits, even though I observed same over my computer, which I had released to the above bad guys. The nonly way to check actual account activity was to go to the bank/credit union XXXX Further, the cash withdrawals drained my accounts of {$30000.00} I received an additional pay pal invoice on XX/XX/22 for {$500.00}, which is included in the uploaded file. I do not intend to pay this invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested a consumer report from XXXX. I received my report from them XX/XX/XXXX. After reflecting over the report I noticed there was some incorrect information that they had on file. I have enclosed the dispute form they sent me and asked them to correct or remove the inaccurate information. XX/XX/XXXX. I sent this certified through XXXX. With the dispute form I also included a letter head from XXXX dated XX/XX/XXXX stating they did not have any record of me applying for credit. This application is being reported 3 times with XXXX. I have enclosed copies of the consumer report to reflect what they have on file. 


XX/XX/XXXX I received an updated consumer report from XXXX showing where they corrected the name on my report and removed XXXX of the CC applications from XXXX XXXX, but did not remove the other XXXX applications, claiming they were verified and would remain on file, although, I sent a letter head in from XXXX stating they had no record of such application. 

They are also falsely reporting a bankruptcy on my consumer report, claiming that XXXX XXXX XXXX has furnished this information. 
XX/XX/XXXX XXXX XXXX sent correspondence stating that they have deleted the bankruptcy from their file. I have enclosed this document. 

XX/XX/XXXX XXXX sent correspondence stating that they deleted the address associated with this bankruptcy as well as the name associated with this bankruptcy. I have enclosed this document. 
XX/XX/XXXX I wrote to The XXXX BANKRUPTCY COURT requesting their procedures on reporting bankruptcy information. 
XX/XX/XXXX The XXXX Bankruptcy court wrote back letting me know they do not report this information. I have enclosed this document. 
XX/XX/XXXX I wrote correspondence to XXXX requesting their reports on me and they clearly state that if the bankruptcy was before XX/XX/XXXX they did not report this information to XXXX that it went through XXXX. I have enclosed this document. 

XX/XX/XXXX I am now disputing this information again with the XXXX dispute form they provided and copies of the consumer report along with the letter heads and documents to support my position.