23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was contacted by a someone claiming to be with Wells Fargo on XX/XX/XXXX at XXXX XXXX. The phone number came up at wells fargo on my caller ID. The number was XXXX XXXX XXXX. I XXXX the number to make sure it was wellsfargo. It came up as accounts management on their website. The representative sent an authentication text with a code to confirm my identity and asked me to confirm my name and account number. This matched the same authentication process that Wells Fargo has always requested from me. The text number even came through with the same message that Wells Fargo provides. They proceeded to tell me that someone had created a XXXX account with my account information in the name of XXXX XXXX. And in order to stop the transactions that were being put through the service, I needed to create my own account. Up until this point I did not currently have a XXXX account. So I created one. They then asked me to send a transaction to the the XXXX cancelation department with a code they provided to me in the memo notes. And to enter a specific amount for this transaction to match the one currently being taken from my account. I proceeded with the instructions. {$990.00} was sent to " XXXX XXXX. '' They gave me a confirmation number and told me the funds would be stopped and the transaction would be canceled within moments.

I waited about an hour and found that the transaction was not removed from my account. When I called the number back and it went to Wells Fargo, I was told the confirmation was not valid and I had been scammed. I submitted a claim immediately and they recorded the information I am providing now. I waiting 7 business days and received a letter in the mail today, XX/XX/XXXX, letting me know that my claim was denied and closed because I authorized the transaction. I called wells fargo and XXXX today XX/XX/XXXX, and requested to contest the decision, but was told it was final and there was nothing else I could do by both parties. Because the funds could not be reversed, they would not be reimbursing me. I explained that the authentication process was so identical to Wells fargo 's that there must be something they could do to help but I was told there was nothing else they could do for me.

I am very much hoping that there is some way to be reimbursed these funds. Or that I may be able to contest their claim decision with proof of the processes I went through for this scam. My XXXX claim number is XXXX. My wells fargo claim number is XXXX.
Product: Credit reporting or other personal consumer reports

I sent my dispute letters to Experian, but they continue to delay, claiming they can't verify my information, despite me providing all necessary identification documents. This has caused harm by not removing the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, 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 have 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 Section 2 : It also states a consumer reporting agency can not furnish a 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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Debt collection

This company ( American Capital Ent ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Product: Credit card

I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Credit hard inquiries that I did NOT authorize from XXXX XXXX XXXX.
Product: Credit reporting

XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX employee ( XXXX ) that was affected by the XXXX XXXX from XXXX. On XX/XX/XXXX I contacted my mortgage company, XXXX servicing loans to inquire about any forbearance options that they may be offering XXXX XXXX because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX  XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXXXXXX XXXX delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XXXX. So I called XXXX on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted XXXX escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.
Product: Mortgage

The details of my complaint can be found in the XXXX attachments. I am not very good with the internet so please let me know if my attachment process has failed XXXX XXXX XXXX XXXX XXXXXXXXXXXX ). 

We were referred to XXXX dba New American Funding by my broker XXXX XXXX of XXXX XXXX, Wa. XXXX XXXX XXXX XXXX reviewed all our information and qualified us for the purchase of a {$400000.00} house this XXXX and issued a guaranteed lock in XXXX XXXX with a close on XXXX XXXX. 9 days later XXXX XXXX admitted to her negligence and, instead of resolving her negligence legally, began a process of bait and switch. As of this writing, it appears that XXXX XXXX will default on her committment, causing us to lose the property.
Product: Mortgage

My partner and I paid a {$4000.00} retainer to XXXX XXXX XXXX who promised to secure a loan modification with XXXX XXXX XXXX. We were told to not make any mortgage payments while the loan modification was being negotiated. XXXX XXXX XXXX told us to not communicate with XXXX XXXX XXXX, and that any written correspondence was to be forwarded to XXXX XXXX XXXX. We waited many months but never received a response to our application. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX would return our calls, and we were left in limbo. During this time, the property came up for auction TWICE ; each time we were told to file XXXX XXXX bankruptcy. Eventually the COVID pandemic hit and caused delays and difficulty in reaching XXXX or XXXX, as well as making it difficult to reach appropriate government agencies to request assistance. During the COVID pandemic, my homestead became the target of a very disturbing tech-enabled real estate mobbing operation which has been disrupting my daily life and subjecting me to extreme forms of abuse  for the past three years. Several individuals participating in this real estate mobbing operation have attempted to claim ownership of my property. Many false claims have been made which is causing a great amount of confusion surrounding the status of my ownership and everything related to the servicing of my mortgage loan which has recently been transferred to a new servicer. Upon receipt of the new company 's Welcome letter, it was discovered that the loan documents contained the wrong name and possibly other inaccurate information. The loan is under the estate of my mother, XXXX XXXX XXXX. I was verified as a successor in interest, and authorized as a third-party on the account, but I never assumed the loan. The property has some business tax liens from my mother 's company that were supposed to have been removed from the tax rolls. At this time, we have received notice from a law firm in XXXX that the property is scheduled for foreclosure auction on XX/XX/2022. We do not know who is foreclosing on our homestead. The XXXX received a default judgement against me in the past year, and we were lied to by the XXXX 's attorney who promised us an out-of-court payment arrangement. I am an independent adult living with XXXX. I feel that my XXXX has been used to discriminate against or to take advantage of me. I have also been told that by not having a XXXX  or XXXX, that I am unfit to own my property in this community. Please help me save my family 's homestead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a dispute with the 3 credit reporting companies, experian, XXXX, and XXXX  regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Product: Debt collection

I contacted HP SEARS requesting debt validation. They sent over only a bill with late fees and charges that say retail product unknown and different fee amounts. They also violated hippa which a complaint was already filed. Im requesting this to be removed from my credit due to company not being able to provide actual proof these procedures were done to me and can only sent a breakdown with nothing showing services actually completed. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX {$0.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Debt collection

Company has left voicemails stating this is a message from a debt collector without being able to verify who they are speaking to or where the message is being left.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5800.00}.
Product: Credit reporting or other personal consumer reports

Hard inquiries were made on my XXXX, equafax, and XXXX account. I asked for proof of verification that I approved no proof provided but told the information was said to be factual
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i was searching for a new phone and XXXX requested a credit check I sent a letter to dispute it but its still on there. I never got a phone from them nor was I billed for anything. 

XXXX XX/XX/XXXX I check my report and seen it was on there I have no clue where it came from I tried to dispute but nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX XXXX  ( XXXX ) and the XXXX Credit Bureaus ; XXXX, Transunion, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), XXXX ( online ) and Transunion via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher XXXX XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on Transunion report XXXX and different payment history between XXXX and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.
Product: Credit card or prepaid card

I called to find out where my CA meddle class tax refund card is in XX/XX/XXXX to find out it has been sent in XX/XX/XXXX. They said it was compromised and will send the replacement card. I received the card and found out {$680.00} was fraudulently spent and balance of {$14.00} was left on the card. I called the Money Network who issues the card and they said to file a dispute. I have filed the dispute and they denied the dispute and I was told to appeal the decision. I have filed the appeal and it was denied again. I called and was transferred to escalated team who told me to provide more information and appeal the denial. I asked them what kind of information do they need and they could not provide any answers or request of additional information. What kind of information can I provide when my card was stolen and was used ay XXXX and XXXX XXXX XXXX according to my card statement. Obviously I am not the only one that has been scammed out of refund and card company is not willing to assist me with getting my refund back.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report I viewed my credit file on XX/XX/2023. Within the report i noticed that there were numerous addresses included in my file that are not my current or past address. I disputed the incorrect information and challenged each incorrect address. On XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section 2 : It 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 card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX  was 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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, AND XXXX XXXX XXXX  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