23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

UPON CAREFUL REVIEW OF THE LOAN DETAIL SHEET, AND THE ORIGINAL LOAN APPLICATION, I NOTICED THE AMOUNT OF THE ORIGINAL LOAN AMOUNT 1 ) {$9500.00} 2 ) XXXX AND THE AMOUNTS 1 ) XXXX 2 ) XXXX ... NOTED ON THE DETAIL SHEET ARE CONFLICTING. WELLS FARGO NEEDS TO MAKE THE CORRECTION. IT IS MY BELIEF THAT THEY ARE ENGAGING IN A FRAUDULENT ACT, BY INCREASING WHAT THE ORIGINAL BALANCE AND THE CURRENT BALANCE IS ... MAKING A PROFIT OF THOUSANDS OF DOLLARS IN INTEREST PAYMENTS ALONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX County in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX., XXXX NC XXXX.
Product: Credit reporting or other personal consumer reports

am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that TransUnion cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, I am providing the following XXXX XXXX Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ XXXX XXXX Account Status Code ] { 88 } Payment Rating : [ XXXX XXXX Payment Rating ] { 89 } Special Comment Code : [ XXXX XXXX Special Comment Code ] I expect TransUnion and XXXX also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by TransUnion, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that TransUnion did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX  ] Inaccurate Information : [ XXXX XXXX XXXX XXXX, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX  ] INACCURATE INFORMATION : [ Shows as a Collection XXXX Months, Collection amount and Dates I believe that the reporting of this information by TransUnion has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion or XXXX and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2024 I filed a police report for identity theft. I reside in XXXX, Alabama and I have been in Alabama for XXXX  years. My credit file got leaked in several data breach. Someone in XXXX XXXX NV was using my identity. I did research on my own and called the creditorers and was given a XXXX XXXX NV address as XXXX XXXX XXXX XXXX XXXX and well as several other XXXX XXXX addresses. These accounts were all open fraudulent and all the credit cards were sent to this XXXX XXXX Nevada address XXXX XXXX XXXX XXXX XXXX NV please verify with the clients as I have already. The statements and cards all went to this address. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Property Receivable ) JPMCB I've submitted my ID a piece of mail, a bill in my name. And TransUnion you and XXXX have all these documents that were submitted to your company via CFPB portal but yet you are still sending me mail asking me to verify and send you these documents and I have submitted several times. If this matter isn't cleared up by XX/XX/2024 I'm contacting a Attorney I expect these items to be blocked from my credit file immediately!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

WELLS FARGO XX/XX/XXXX WELLS FARGO BANK XX/XX/XXXX WELLS FARGO XXXX ONLY XX/XX/XXXX WELLS FARGO XX/XX/XXXX " I am opting out of your reporting services. 















According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

WELLS FARGO WELLS FARGO BANK WELLS FARGO XXXX ONLY WELLS FARGO are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

XXXX All the money in my PayPal account was being transferred to an unknown account ( XXXX XXXX  ), so I immediately contacted PayPal customer service to inform them of this and asked them to stop the transfer. 

- Later, I checked my account and found that my email was changed, and there were XXXX bank cards that were not mine saved in the account. So I took a picture as proof before deleted it and immediately changed my password XX/XX/XXXX - My PayPal balance was {$XXXX} again, and I checked to see what had happened, but I could not find any suspicious transactions.so claim and send an email to PayPal. 

XX/XX/XXXX - record appeared showing that {$XXXX} had been transferred to XXXX Bank. ( I think i made it impossible to check before the transfer was completed ) But XXXX PayPal XXXX my appeal and closed the case.So I requested documents regarding the investigation, but I was not provided with any.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with these companies and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 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.

These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 

I have never given written consent to report any of the accounts listed listed below and should be deleted immediately. You will also find my FTC affidavit attached with this complaint listing these same companies. 
XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX, XX/XX/XXXX showing {$710.00} in collections. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX balance is {$0.00} showing late payment, XXXX XX/XX/XXXX. 

I demand immediate removal of these accounts from my credit report. I am also invoking FCRA Section 605B, which specifically addresses XXXX XXXX and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential XXXX XXXX concerns.
Product: Debt collection

XXXX XXXX, ACCT XXXX. This account violates the FCRA because it has been RE-AGED -- the DOFD is incorrect. Original Creditors and Debt Buyers are required to provide correct information within 90 days after it appears on the file. This account has been being reported for years inaccurately. These actions can be construed as fraudulent. As such, the remedy is to DELETE this account in its entirety from XXXX, XXXX  & XXXX.
Product: Credit reporting or other personal consumer reports

My loans transferred from nelnet to XXXX and nelnet is still showing up on my credit report. So now it shows double the amount of loans it should show. I filed a dispute with experian and it didnt fix the problem. I dont know what to do.
Product: Debt collection

I called this company after being advised to by my lender for a mortgage and asked for a pay to delete. The pay to delete was agreed to and was recorded the entire time. When my lender attempted to confirm this they denied it. And are now stating they dont do that because they cant. Well its on recording that said they would so. This is holding up my closing and leaving my family homeless come the end.
Product: Money transfer, virtual currency, or money service

Transunion has the disturbing habit of making illegal, unauthorized charges on every credit or debit card number they possess. They have made at least 10 {$19.00} deductions from my debit account beginning at least from XX/XX/18 to the present. I would like the recurring charges to stop, a refund of {$190.00} and an investigation to see how widespread this practice is by Transunion.
Product: Vehicle loan or lease

I purchased and received approval for a XXXX XXXX XXXX and the payment was XXXX and on XX/XX/XXXX I received a letter in the mail saying that the loan was not approved XXXX XXXX XXXX XXXX and JP Morgan Chase. The car payment and the insurance were paid XXXX weeks before the first due date and they removed the money from the account. The new approval was for XXXX and the original approval was for XXXX. I consider this fraud considering the financing was already approved and I already made the first payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 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 XXXXr XXXX Bankruptcy Ref # XXXX XXXX5 U.S.C section 602 A. Section 2. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 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

Please see attached docuASments. Do not close this complaint stating it is not me. I am a natural person and a coSFnsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Macys credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : XXXX XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX XXXX Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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   According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

The person identified themselves as an employee of RCI and spoke to my ex father in law. I dont own any timeshare, but when I called to ask what it was regarding, the employee said : sorry, I called the wrong number, hung up on me, then called my ex husband. The person called from XXXX.
Product: Checking or savings account

Capital One Bank is experiencing an internal glitch that has delayed the deposit of my paycheck. I am now on day three without access to my paycheck funds and have received no clear explanation of where the money is or when it will be resolved. This delay has left me unable to pay my bills or buy groceries for my family, causing significant hardship. I find this situation both unacceptable and unethical, as it directly impacts my ability to meet essential financial obligations.