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

In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXXr/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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.
Product: Student loan

I was deceived, misled, and they used offensive and abusive language stating that I owe a loan on a credit sale that was conducted fraudulently. They have continued to report on my consumer file/report as I have provided a police report, a letter from the Department of Justice of a being a victim of identity theft. This has caused a lot of emotional distress, grave damage to my consumer report as I could not get a home for personal, family, and household use.
Product: Mortgage

I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to complaint # XXXX For 4 years now Ive been fighting to remove an address of an inmate in XXXX, XXXX XXXX XXXX XXXX, ( where Ive never lived ) from my credit report that was placed by Equifax . I have received a dispute confirmation of removal two years ago in which it never was removed and I fought two more years to have it recognized as an issue. This originally occurred when student loans were defaulted on in my name that did not belong to me and I became aware of the fact that Equifax did NOT remove this after applying for my masters program and paying my admission fees in 2019. After reporting this to CFPB during the pandemic because I was denied the XXXX due to this issue, Equifax finally sent another confirmation of removal. However, 3 months later, while buying a vehicle, a security question asked during the credit thaw was in reference to the address zip code that was belonging to this XXXX inmate. I couldnt identify my own identity and still cant. I have no answers. This is sheer insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX   XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Product: Debt collection

This was from a lease that was forgiving due to XXXX they allowed all students to leave and since I had XXXX they allowed me to leave and advised they would take care of any outstanding balances per the lease agreement this was an act of XXXX
Product: Credit card

Please review the attached documents. I am requesting the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, despite my punctual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  XXXX  Account Number XXXX TransUnion is  reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX is reporting an opened date of XX/XX/XXXX with no balance, and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with no balance, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and XXXX are not XXXX this account, XXXX/XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, Experian and XXXX  are reporting an XXXX date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, CHAPTER XXXX BANKRUPTCY Reference Number : XXXX TransUnion and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Mortgage

1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. 

2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. 

3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. 

4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. 

Copies of the Letters and Evidence that My Signature was forged is attached. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.
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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX4682****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 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, credit repair services, or other personal consumer reports

These reports of FEDLOAN are all inaccurate due to the fact that the late remarks started LATE 90 DAYS right after a good payment.
Product: Credit card

On XX/XX/2024 I was denied an open ended credit line due to my race and sex. This denial has greatly impacted my life and the lives of my family. Barclay bank Deleware did not conduct reasonable procedures to ensure my report XXXX included maxium accuracy unfortunately I do not have confidence in this system and will no longer extend credit due to the adverse Actions of this in accuracy I have notified them of this matter yet the chose to ignore the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed and refused to update current personal information er request. I have submitted a current bill and the information needed.
Product: Mortgage

Back in XXXX or XXXX of XXXX, we had to go on forbearance due to the COVID crisis because my wife 's company had to close. Once we were back up and running in XXXX, we talked with AmeriHome Mortgage about a loan modification. I filled out the paperwork, submitted it and start making my monthly payments for the trial period. Once that was complete, they never gave me any updates and advised there was no movement on my modification. In XX/XX/XXXX, I was finally able to get some answers after being on the phone with several dozen people and spending well over 80 hours of my time. They advised my modification was denied due to a lien on my title. I knew there was no lien on my title so I contacted my title company and they did a search and sent me proof of a clean title. AmeriHome never allowed me to protest the findings and simply closed the modification without notifying me. Since then I have spent well over XXXX hours on the phone with nearly XXXX or more different people to continually get the run around and no assistance to help correct this issue. So right now they won't even allow me to make my monthly payment until this is resolved. I have emailed, uploaded, and mailed the clear title and loan modification application 5 times and they are still asking for the application. I have been hung up on countless times and transferred to dozens of people who still can not assist. I have requested at least 20 times to speak with a supervisor to only be told they would put the request in to have them call because they can not transfer them and then never get called back. I have never seen a company operate in such a manor and to have such gross incompetence from everyone I have dealt with. I have also never seen a company not allow you to pay them what you owe.
Product: Payday loan, title loan, or personal loan

I inquired about a loan for $  XXXX  and was told the minimum loan was $  XXXX .  One Main does a dvertise $  XXXX  and up and then demands that a $  XXXX  loan is the minimum.   I was pushed to take a loan for $  XXXX  to include my current car loan, which I did not want. The result was that I was rejected for the $  XXXX  loan that I never requested and was quoted 35 % for the  XXXX  loan which I rejected.   I received a letter stating that the loan had been rejected, a loan amount I never requested. The letter did not state that I had been verbally approved for the $  XXXX  loan which I rejected. This is predatory lending.
Product: Credit card or prepaid card

XX/XX/XXXX Placed a {$100.00} online order with XXXX XXXX.

Thought I was setup with auto pay, but was not, contacted XXXX XXXX customer service in XXXX when discovered auto pay not setup and fee was charged, they refunded my fee. In XXXX worried didn't work again, contacted customer service again on XX/XX/XXXX, representative stated no fee had been assessed yet, I paid my balance in full that same day. Waited to receive next statement in the mail to insure account was showing paid off. The next statement I received in the mail showed a balance due of {$58.00} now showing two late fees, along with interest charges. So now I'm being charged a fee on top of a fee. Apparently I was assessed the first fee because even though I paid my balance in full and the fee had not posted yet, the payment was due on the XXXX and I paid my account in full on the XXXX, two days late. Contacted customer service again on XX/XX/XXXX spoke with XXXX explained what happened, he verified my mailing address and I was told a statement was mailed out, asked if he could help me with the fees as I thought I was paid off and I did not receive the statement with the first fee showing. He was unable to help me because he can only refund one fee every 18 months, I asked to speak with a supervisor, her name was XXXX, explained the situation again and was told again that she can only refund fees every 18 months. Both representatives would keep repeating they can only refund fees every 18 months, and that their records show a statement was mailed out and that I was charged a second fee on top of the first fee because I didn't pay the first fee. I explained I have been a long standing customer and was going to just pay their fees and close my account. They really could of cared less if I continued to be a customer or not, she just wanted to verify my bank account number to debit the fees. I told her no, I decided I would write letter instead and she just offered to give me the address. Again who  cares if I continue to be a customer or not. I have been with company since the XXXX XXXX have always enjoyed shopping at their stores and I do shop online once and awhile. Very disappointed they don't care if I'm a continued customer and that they would rather I pay them {$58.00} fees and close my account and no longer do business with them ever again and leave them as a dissatisfied customer who obviously will not be recommending them to anyone. As I told them I feel that paying almost {$60.00} in fees for a {$100.00} purchase is ridiculous. I think their {$29.00} fees on {$100.00} are excessive. I feel I did my due diligence in keeping in contact with them, I tried to keep up on my account, I explained what was happening but all their customer service representatives could do was keep repeating the same information, no exceptions. I do not own a computer at home so I have to wait to get online when I am visiting a family member, so I rely on paper statements. I would like these fees removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried multiple times to apply for a XXXX XXXX credit card and it came to my email. So when I check my transunion account my credit score ( XXXX ) disappeared. I called transunion, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called XXXX XXXX they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in XXXX   XXXX. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX amount {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2024 I sent {$300.00} via Cashapp to XXXX XXXX as I had done for several months prior with no issues. On the following day, XXXX attempted to withdraw the funds but the money never reached her account. The explanation Cashapp gave was that a card ending in XXXX was linked to her account 30 minutes prior to her withdrawing the funds. XXXX 's card ends in XXXX. There has never been another card linked to the account other than the one ending in XXXX. Cashapp apparently deposited the money to someone else 's account or fraudulently kept the money.
Product: Checking or savings account

Wells Fargo bank manager in XXXX XXXX gave me his word that a customer of the bank and friend of mine would have access to his business bank account after a deposit of {$7000.00} was deposited. I sent {$5000.00} of the money and friend XXXX XXXX paid the other {$2000.00}. XXXX XXXX bank manager XXXX. I have this conversation via text with him and he gave me his word and then today said XXXX XXXX had to deposit another XXXX. He told me me XXXXtotal to get access to his account. He lied and committed fraud against me. I want my {$5000.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXXXXXX 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 XXXX00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a degratory mark on my credit. I received a letter said I owe XXXX for medical bill. I do not recall and do not owe them money. I contacted them, a girl said a doctor put my name on their system so they charged me. I asked for the doctor she said they dont know. I asked her to dispute it, she said she will and I told her I know this is a scam. I do not owe any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam.