23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account in XXXX XXXX XXXX and then when I arrived in XXXX CA XXXX the money was gone. {$4200.00} USD XXXX Year XXXX. Location : XXXX CO. I opened an account and made a deposit! This is my property and land act address in XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For sale : {$410000.00} USD. XXXX is the same guy who sold me this property in the spring of XXXX! XXXX. I need to upload all the communications between me and XXXX. The check that was used to deposit money into my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For ID purposes between XX/XX/XXXX and XX/XX/XXXX. County jail number XXXX. Dismissed. XX/XX/XXXX. I deposited close to {$4200.00} USD. Half cash and half by check. When I was going to use my money in XXXX CALIFORNIA then the money in my account was no longer there! I had a XXXX XXXX  and I opened my account on the actual XXXX XXXX  from XXXX XXXX CO and half way to XXXX CA. And then I discovered my money was not in my account! 

I want my money back from WELLSFARGO! This particular branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX XXXX. Questions about banking, mortgage, and investment services? Call XXXX, 24 hours a day - 7 days a week. Located in : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CO XXXX. Hours : Closed Opens XXXX Mon More hours Phone : ( XXXX ) XXXX Departments : Wells Fargo Advisors Wells Fargo ATM Wells Fargo Home Mortgage.

About your privacy. Use of this form to communicate with the Office of the Ombudsman is entirely voluntary. Any information that you provide will be used solely to analyze complaints and provide analysis and feedback to senior FDIC management. Any personal information that you may provide will not be retained by the FDIC.

FDIC 1021/01 ( 2-17 ) For questions regarding this form, email XXXX Page Updated XX/XX/XXXX FDIC Comment Form Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ) . Your information was received by the FDIC on XX/XX/XXXX Your case number is : XXXX Thank you for bringing this matter to our attention. 

For questions regarding this form, email XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 


XXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX BalanceOwed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card

These codes have violated ( 15 USC 1681 ) ; ( 15 USC 6508 ) ; ( 15 USC 6802 - 6805 ) under my fair credit act.
Product: Checking or savings account

My account was overdrawn and was charged hefty every day fees of {$30.00} USD each with a total amount of {$90.00} USD. I did know about this when I opened my account with them. This is too much to charge to their customers. Money grabbing method.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company involved, Equifax, allowed my information to be taken by hackers. I have two properties, with two mortgages, one for {$900000.00} and one for {$230000.00}. I also have student loans totaling {$250000.00} for my XXXX XXXX and {$40000.00} for my wife 's XXXX XXXX. Any credit issues would be absolutely disastrous for me and my family. My detailed information and my wife 's detailed information was stolen and is now available for criminals to use for their own purposes. I have started fraud alert with all three companies, but this means that my next property purchase will have to be put on hold until these issues are resolved. I had offered to buy a property yesterday, but now will not be able to do so because of the fraud alert.
Product: Credit reporting or other personal consumer reports

CHASE BANK is furnishing sensitive personal non public private information to consumer reporting agencies, and has failed to comply with my federal gramm leach bliley act OPT OUT request. I have given CHASE BANK 30+ days since delivery of my letter to them ( certified mail return receipt and letter attached below ) to comply with my gramm leach bliley act OPT OUT REQUEST. THE LAW STATES that if a consumer, me, requests to opt out of the sharing of their non public personal information which includes my name, account number, transaction history to any non affiliated third party which includes ANY AND ALL CONSUMER REPORTING AGENCIES- then the corporation must adhere to the request within a 'reasonable amount of time '. They received my letter XX/XX/2024, today is XX/XX/2024. ( See proof attached below ). Which is almost 60 DAYS. CHASE BANK is attempting to stall my request and is now ILLEGALLY furnishing my sensitive personal information which is affecting my relationships with banks. I'm submitting a TCR complaint for the mismanagement of my security for securities fraud.
Product: Credit reporting or other personal consumer reports

I spoke with an EXPERIAN agent earlier today. I informed him that Experian is reporting non-mailable addresses on my report and they are to be removed via the FCRA, FTC, CFPB, and Privacy Act of 1974. The Experian agent gave me the run around claiming to need more verification when I previously confirmed my SSN, full name, address, and date of birth. I asked the Experian agent to transfer me to a supervisor and he again gave me the run-around. I then asked the Experian agent for his first and last name and work ID number, " He stated he was not required to give me his information, and his name is XXXX from the dispute department ''. 
16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices. 
See the attache case number from the phone conversation with " XXXX from the dispute department ''.
Product: Debt collection

I have received two emails since XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX In their emails they are asking for payment on a XXXX XXXX XXXX account stating last payment was made XX/XX/XXXX. I have received XXXX FORMAL WRITING to my current home address in regards to an attempt to collect a debt, ownership or validation of this debt. 

XX/XX/XXXX I purchased a car from XXXX XXXX XXXX and paid a large down payment, paid on time, had insurance with no lapse and nothing but problems. Consumers including myself were SCAMMED! Advised to complain via news outlet to our state afforney general which I did on XXXX after all consumers including myself, learned through XXXX from fired employees of XXXX XXXX XXXXXXXX that everyones signature had been forged and sent to a debt collector REGARDLESS OF BEING CURRENT ( which I was never late and always up to date ). 

From there it has been distressing dealing with this situation for the last 2 years, sending certified letters, no resolve through the first debt collector XXXX, and the company filing bankruptcy and dissolving the company and putting in a motion to destroy all documents per public pacer records. 

I originally got this debt removed from my credit report via XXXX and then by XXXX XXXX, it was placed back on my credit report via XXXX. I again started my dispute process sending certified letters out with no resolve as they were reporting numerous inaccurate information and balances to XXXX, XXXX  and XXXX and would not accurately validate the debt with the requested proof and my wet signature as the account was illegally sent to collections without my knowledge while not in default and the company withholding integrity towards its consumers. 

I want this account deleted from my all my credit report, NO ELECTRONIC CORRESPONDENCE ONLY US MAIL, I request an IMMEDIATE CEASE AND DESIST ON THIS DEBT, a proper and thorough investigation for ownership of this debt and how it was legally sent to collections without any knowledge and not in default. This has been a nightmare for 2 years and causing mental stress and financial strains. I am a single parent on one income and paying a current high car not because of this disaster I was put in by XXXX XXXX XXXX who no longer exist!!!!!!!! And furthermore has XXXX integrity!
Product: Credit reporting

I believe that someone has used my information to apply for credit at one or more banks, including the XXXX hard inquiry shown on my report. I did n't apply for this credit. I 've also received numerous " response '' emails and calls to applications and emails that I did n't write, to various insurance and financial service companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I had a joint account in Wells Fargo with XXXX XXXX. The balance was always paid some months overpaid. One of the months the payment was applied not to our joint account but one of her other accounts by an employees mistake. Upon notice that it was due still I paid the account in full, thus having no late payments of having to deal with that mistake again. This was paid for in full in XXXX. However XXXX has it marked as having a late payment for XXXX even though this payment was processed in XXXX. Being as this is the only late payment on my entire credit report and it had nothing to do with my inability to pay it but instead a employees mistake I would like this removed from my credit report. When I spoke to an employee last they said it wouldn't matter or affect anything that it was resolved.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, An auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
Product: Debt collection

CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

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

I tried multiple times with initiating a dispute with TransUnion to get this fraudulent charge off account removed from off my credit report from TransUnion by sending in documentation supporting that claim by sending in a FTC report and a police report or XX/XX/XXXX and also by phone multiple times I contacted TransUnion on the XXXX and spoke to a representative and they told me that they can not accept the FTC report giving me the run-around and lying if I am sending in a police report stating that I am a victim of identity fraud they should remove it from off my credit report because it is not accurate I'm trying my best to work with the original creditor because I don't want to sue TransUnion or the original creditor this is giving me a headache or trying to get approved for loans credit card Etc
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, XXXX, and Equifax a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. XXXX  and Equifax however did not ... even as type up this complaint on XX/XX/2021 at XXXX XXXX  60 days later they still have not responded. On XX/XX/2021 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. XXXX  received my letter on XX/XX/2021 at XXXX XXXX. As of XXXX, XXXX, 2021 at XXXX XXXX  Equifax still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. TransUnion followed them so these two bureaus should as well.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. 


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

I filed a dispute with Equifax XXXX XXXX THEY ARE REPORTING A LATE PAYMENT WITH XXXX XXXX in which the creditor made a mistake of reporting a late payment in which I have supported documentation from the creditor however XXXX & EQUIFAX DID NOT UPDATE TO REMOVE THE LATE PAYMENT I FILED A DISPUTE numerous of times via certified mail and Ive also filed a complaint against EQUIFAX XXXX XXXX for failing to protect my consumer rights According to section 605 b of the fair credit report act I have also filed a legal suit against Equifax XXXX XXXX for emotional distress they have caused so much damage to my personal credit report also report late payments XXXX XXXX reporting inaccurate information EQUIFAX REPORTING A INACCURATE ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my address My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im seeking {$89000.00} in damages FROM EQUIFAX along with the removal of all hard inquiries and fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And all hard inquiries
Product: Credit reporting or other personal consumer reports

My student loan was forgiven in XXXX. Mohela report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. Mohela promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from XXXX  and Trans Union.  My wife and I submitted our request together. She has already received her responses but I have not.
Product: Credit reporting or other personal consumer reports

The information towards my student loans are false and growing, I would like for all student loans on my account to be removed. Simply because the information is wrong and also misused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.
Product: Debt collection

I have never received any contact from this company either by mail or by phone. I remember during the month of XXXX I started receiving what appeared to be robo calls. I would receive 2 calls per day on my cell phone from different phone numbers in the state of Virginia with no caller ID, and I would receive 2 calls per day on my home number from various numbers from different cities in North Carolina, again no caller ID or messages were left for me to call back. After approximately 30 days the calls stopped and this company put a collection notice on all 3 credit agencies. I was never contacted by mail nor were any messages to call back were left on my phones. I was never given the opportunity to discuss this account or work out any options with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I got a copy of my credit report and noticed that there was some accounts listed fraudulently and inaccurately. I have notified the consumer reporting agencies to start an investigation because these accounts do not belong to me. I never received a response and that is a violation of the FCRA and FDCPA. I have never conducted business with these companies nor have I ever entered into a consumer contract and I believe that the furnishing of these accounts violates my rights as a consumer. These are the accounts I am referring to : XXXX XXXX XXXX XXXX Also I was never late on this account XXXX  XXXX so I should not have any late payments reflecting on my report. I have provided screenshots of the XXXX account being deleted from all 3 reporting agencies and somehow is was placed back on without my knowledge. I have also included my FTC complaint along with my Identification to support my claim.
Product: Debt collection

One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to Seturs in XXXX and was foreclosed on XX/XX/XXXX. Seterus Inc. has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.