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

I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.
Product: Debt collection

This company is using a local area code to trick people into believing it is a local call. After XXXX such occasion after I missed a call by them, I called the number back to find out who it was, and it was a doctor in XXXX, Ohio. They are using spoofing practices to avoid blocked numbers and continue to harass me.
Product: Credit reporting

A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.
Product: Credit card or prepaid card

My account was charge {$510.00} on XX/XX/2021. I didnt purchase anything from this transaction. It is a fraud on my credit card. I dispute it and call the credit card several times, but they dont refund my credit back. 
They charge my account XXXX times and refund XXXX time, the credit card company still didnt refund my the {$510.00}. It is from my XXXX fraud. The XXXX didnt refund me neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent to XXXX, Trans Union, and XXXX an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with XXXX XXXX directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for XXXX. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my XXXX that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my XXXX. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX XXXX
Product: Checking or savings account

On or around XX/XX/year>, my company, XXXX XXXX XXXX, deposited {$3200.00} via ACH to the wrong account at Bank of America. The name did not match, and the payment should have been returned. XXXX XXXX requested the funds be returned, and they were not. The funds need to be returned to XXXX XXXX XXXX as they were intended for XXXX XXXX. 

Account Number- XXXX Routing- XXXX
Product: Credit reporting or other personal consumer reports

I have submitted many disputes about this issue between XX/XX/year> and XX/XX/year>. Please see the uploaded documents.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and am now formally requesting the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to defend my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Product: Credit reporting or other personal consumer reports

THIS DEBT WAS CHARGED OFF BUT I HAVE NOT RECEIVED A FORM XXXX ( CANCELLATION OF DEBT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM XXXX WHEN A DEBT OF {$600.00} OR MORE IS CHARGED OFF, CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$5900.00}
Product: Vehicle loan or lease

Bought a van in XXXX  XXXX, NY in XXXX of XXXX  the loan was through Wells Fargo we did not hear anything from them no communication whatsoever. At the end of XXXX I called the dealership they said they would contact Wells Fargo, In XXXX I contacted Wells Fargo gave them my SS # and the told me they were going to reposes the Van. I told them I had not received any payment options from them like where I should send the payments. The persisted on saying I was delinquent and they were going to reposes the van. I again called the dealership to ask what was going on. They called Wells Fargo and then called me back to inform me Wells Fargo had misplaced the paperwork and I would have to redo the loan. So I had to go back to the dealership and resign the paperwork. I heard nothing from Wells Fargo no apology no sorry we screwed up just pay us or repossessing your van. Terrible customer service, an unorganized mess of a company.
Product: Credit reporting or other personal consumer reports

I have continued to try to have Transunion delete the inaccurate information that the companies are reporting. This has to be the fourth round of letters and some of the information remains unchanged. Charge offs are listed as open and carrying balances. Collection agencies are listed as open and I never had verification of the debts that are appearing. I have also asked for all variations of my name to be removed. It should report XXXX XXXX XXXX *I do not wish to have a phone number on my credit report. 
*Only my current address should be listed, I asked for all other addresses that are incorrect to be removed.
Product: Mortgage

This is my third of fourth time contacting you and having Wells Fargo " attempt '' to contact me and resolve my issue. 


The first time I was assigned to XXXX XXXX. XX/XX/XXXX The second time ( XX/XX/XXXX ) I was assigned to XXXX XXXX who I played phone tag with for over a month. The last voice message said that WF had a resolution to my complaint and I would be receiving a letter. The letter said they did not have enough information to find the foreclosure. They never asked for it. 

So the third time I finally reach the representative ( don't have his name ) and we spend an hour on the phone while I contact the XXXX XXXX Regional Courthouse to get the information they wanted, specifically the street number. That was that. 

The fourth time was last night XX/XX/XXXX at XXXXXXXX XXXX when the agent wanted to know what the addresses were again. He said that there was nothing in the notations. I was irate. This is abuse on top of injury. 


What happened was in XXXX Wells Fargo foreclosed on my home ... .swiftly and when toward the end I tried to give them the back mortgage money, maybe 3 or 4 months, they would not accept it. They took my {$40000.00} equity. My credit score was XXXX at the time. I became XXXX and went into great trauma that I am still recovering from. These people are the XXXX of the earth.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Uploaded money on my Netspend card ending in XXXX .. card was blocked and they wont allow me to access funds or send me a check in the mail for remaining balance.
Product: Debt collection

From Mercantile Adjmnt Bur Reported XX/XX/year> for {$690.00}
Product: Mortgage

Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. 
Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). 
Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. 
XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Applied for a credit card to use while traveling. I was notified that i was approved, but did not receive card in the mail. I called usbank to get a replacement card, and i finally received it 33 days later via XXXX. This was 2 days prior to travel when i received my XXXX card, and somehow I was supposed to be clairvoyant enough to call usbank and inform them that my wife would be travelling with the new card. Since, I lacked this ability my wife was unable to use her card for half of her trip. She could n't buy cgas or food when returning from California and called me in a panic. I called usbank and spent several hours on the phone trying to convince them that my wife was travelling and making legitimate purchases as an authorized user. Nevertheless, the computer was convinced that she was a crook and there was nothing any human being could do to override the computer. The only option they gave us was to call every time we wanted to make a purchase which we said was unacceptable. No other options were given even after escalation. Because this was the only card she took on her trip, my wife was reduced to begging family members for money to make it back home. As cardmembers, we expect to have XXXX access to our available credit. Somewhere the system at usbank is broken, and the customer should not have to suffer with unacceptable options as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX  {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status 30-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I would like to reinvestigate a XXXX XXXX XXXX account that is reporting incorrectly on my credit reports, I have tried in the past to resolve this matter with the institution but they will not report the account correctly, They are reporting a balance of {$10000.00} with a monthly payment of {$0.00}, it is also showing the account status as open when in fact its should be a closed account with a XXXX balance, account rating shows also as charged off/collection, if the account is charged off i would like to request a 1099c for this written off debt, this account has been causing me financial stress due to the constant incorrect reporting, please thoroughly investigate this with XXXX and request that they follow the laws, please remove from my credit reports as i have requested in the pass.
Product: Credit card or prepaid card

On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting.
Product: Credit reporting or other personal consumer reports

I find some inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was awarded SSDI in XXXX of XXXX XXXXnd XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.
Product: Credit reporting or other personal consumer reports

I disputed to remove this fraudulent address XXXX times in 2024 and Equifax continue to show this fraudulent address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Remove the fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment with your agency 's handling of my recent dispute regarding the accuracy of several items on my credit report. By 15 U.S.C. 1681i ( 7 ), I demand a detailed account of the steps your agency followed to verify the accuracy of the disputed items. You are required by law to provide me with this information, including the business name, address, and telephone number of any information provider contacted, within 15 days of this request. Furthermore, I regret to inform you that I have been a victim of identity theft and a data breach incident. I previously notified your organization of this matter and have also filed a report with the Federal Trade Commission, which is enclosed for your reference. Under 15 U.S.C. 1681c-2 ( a ), your agency must block and remove any alleged fraudulent items within XXXX business days of receiving my complaint, including the documentation enclosed below. The following accounts are fraudulent and must be deleted from my credit report immediately : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The alleged deviation from compliant reporting standards and the questionable factual accuracy are unacceptable. I demand an immediate and thorough certification of the claim 's accuracy across all facets, supported by undeniable truth and precise verification. It must demonstrate complete accuracy, timeliness, and strict adherence to regulatory reporting requirements, including the non-negotiable mandate of flawless XXXX XXXX formatted compliant reporting. If you don't meet these criteria, it's necessary to remove the entry.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed multiple disputes ( XXXX ), and ( XXXX ) on my account at the time of me filing the disputes was my account was not closed, and I was told I should receive an update XXXX from that date which was XX/XX/XXXX I was told this by the disputes department. I did not receive an update or resolution letter about my dispute so I did not know what was the finale resolution until I called on XX/XX/XXXX and was informed that both disputes ( XXXX ), and ( XXXX ) where resolved in my favor and a refund of the disputed amount would've been credited to my account on XX/XX/XXXX .. upon checking there was no credit added to the account on XX/XX/XXXX or any day after that there should've been a credit amount of {$XXXX}. Now during the investigation of the disputes my account was put in negative and eventually closed with a negative balance but even with that being said the disputes that where ruled in my favor on XX/XX/XXXX should've been added to my account and covered the negative balance I had on the account and the remaining balance from my repayment of the negative balance should've been mailed to me in a check which this did not happen... I want the funds from the disputes that I won on XX/XX/XXXX to be sent to me in a check asap this is ridiculous I shouldn't have to go through this to have those funds sent to me I have added both dispute claim numbers at the top so you guys can pull up and see that I have won both disputes and no funds where ever credited to my account a posted on XX/XX/XXXX ... my name is XXXX XXXX