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

My name is XXXX XXXX and I have had a kickoff account created without my knowledge. Whilst talking with my family about building my credit my daughter unknowingly signed me up for the kickoff credit builder. While checking my credit score I noticed 2 late payments reported to the credit bureau of {$2.00} each. My daughter told me she was just trying to help me with credit building, seen this service on social media but really didn't understand the process of this company. So now knowing I had this service opened in my name and late payments of {$2.00} bucks destroying my credit score I disputed this credit account with XXXX to no avail as I also explained this dilemma to kickoff rep via email and they stated nothing about me not actually creating the account but emphasized if I close the account it will go on my report as a negative credit card closure and destroy my credit even further so I had no choice but to download the app myself and start making payments of {$2.00} and {$5.00} dollars a month just so kickoff wouldn't report I closed my account. Ever since I found out about this account and unable to prove I did not open it in the first place I have paid every payment on time, every month for the past year. With that explained I beg for help for kickoff to please remove the 2 late payments that were missed when the account was initially opened. 2 payments of {$2.00} were missed but again I didn't know I had a kickoff Account. Lenders see these missed payments negatively. Please help me with this issue. Ty
Product: Checking or savings account

On XX/XX/2017 at XXXX ( EST ), I attempted to deposit a check from a very credible company and a client of mine, in the amount of {$250.00}, through the ATM at the Wells Fargo XXXX XXXX , FL . When the check was inserted into the ATM machine as instructed, an advise appeared on the screen which said " unable to accept this check due to a system error ''. At that moment, the deposit was not accepted but, the check was not returned to me. I attempted to get help from the branch manager. However, he did not want to get involve. He suggested to call the corporate office. When I contacted the corporate office ( XXXX ) the lady gave me a reference number ( XXXX ) and told me that they would look into it. However, as of today, no one has contacted me on this issue ; the check has not been returned and the {$250.00} deposit has not been posted to my account.
Product: Vehicle loan or lease

I purchased an used car at XXXX  XXXX and was approved for the loan through capital one with a 18 percent interest which is understandably high but when i first made my payments with this lender my interest seem to be applied correctly on my first loan and when i called to make the payment i heard the representative state to her co worker that the interest was applied incorrectly and she need to get my account to an account manager to fix that error since that day all my payments has been only applied to my interest instead of my principal in which i believe the statement she made was a deceptive statement. i called uncountable times to fix this issue and capital one can not give no explaination i called XX/XX/18 and was told basically a repeated verbatim script and i need corporate to throughly investigate this matter
Product: Checking or savings account

XXXX XXXXusaa returned check to XXXX XXXXXXXX when the balance fell below the amount check was written for. They have also admitted to stacking charges and ordering checks and debits from smallest to largest.
Product: Checking or savings account

On XX/XX/XXXX my account overdrawn by {$10.00} due to a XXXX charge. I did not notice my account was low on funds. Through XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there were additional purchases made on my behalf. XXXX door dash {$26.00} which I believe was double charged. XX/XX/XXXX {$100.00} from XXXX XXXX. XX/XX/XXXX {$28.00} from door dash. Then on XX/XX/XXXX and XX/XX/XXXX no purchases were made but, I was charged {$36.00} for both days. In total I have been charged {$36.00} in overdraft fees daily. Which has my account in negative - {$370.00} as of XX/XX/XXXX. I reached out to Regions bank today regarding these daily fees which has accumulated to {$180.00} total in just a matter of days. I was sent to a supervisor who was unable to help and stated I had to pay these fees. After searching online I noticed Regions Bank had previously had a class action lawsuit where theyd owed millions to members due to their overdraft policies which no other bank charges these outrageous fees. XXXX XXXX I spoke to him on XX/XX/XXXX he was extremely rude and wouldnt provide me with my account number or give me his badge/ID number so that I could submit this complaint properly.
Product: Money transfer, virtual currency, or money service

I was phoned by someone claiming to represent the XXXX XXXX XXXX XXXX of the U.S. Treasury Department concerning transfers I have made through Western Union. What's suspicious is when I sent a message to XXXX officially enquiring as to the person, their phone number, and the case number they referenced, they sent me the following. 

" Good day, " XXXX  does not send unsolicited requests and does not seek personal or financial information from members of the public. Those who believe that they have been a victim of a financial scam or fraud should report this information to local, state, or federal law enforcement authorities. XXXX is not an agency that can investigate such matters or impose criminal penalties. For additional information, please visit the Consumer Financial Protection Bureau website, which contains resources for detecting, preventing, and reporting fraud and scams. '' Upon calling the person back and asking for his government email, he hastily excused himself saying " Let me call you back. I was just about to call you. '' This person knew my phone number, current addresses, and the name of the transfer recipient through Western Union. Note, the recipient 's full legal name has an extra name he did not mention. He used the name Western Union uses, making me think he illegally obtained data from Western Union.

He specifically cautioned me against people calling from Western Union as there was a lot of such fraud. If he himself was a fraud, it could be to thwart investigation into his illegal scam.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and notice some things are incomplete & inaccurate.According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, open date not reporting correctly, date last active, date of last payment & account is inactive & CLOSED ACCOUNT
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, Experian, XXXX, Tenant Screening This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : 1. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
2. Written confirmation that these records have been permanently deleted. 
3. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

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

I have six inquiries from XXXX XXXX on my Experian credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with Regions Bank was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called Regions Bank today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Product: Mortgage

I experienced a highly unprofessional handling of my home mortgage process with Wells Fargo. The initial promise that my mortgage was ready to be signed following XXXX XXXXXXXX XXXX XXXX  leave turned out to be misleading. Subsequently, my case was handed over to XXXX XXXX and XXXX XXXX, who exhibited minimal communication throughout the process. Even after successfully passing the co-op interview, the process of scheduling the closing hit a roadblock due to Wells Fargo 's failure to respond to my lawyer 's emails. Only after persistent follow-ups on my part did I manage to extract any updates. 

Regrettably, the lack of communication extended to critical details, such as their investigation into the building and its potential impact on my loan. It wasn't until XX/XX/2023, that I was finally informed about this crucial matter. With my lease expiring on XX/XX/2023, I found myself without a home due to the inability to promptly seek an alternative lender for the closing. Adding to this ordeal, XXXX XXXX recommended I obtain a mortgage from her associate after my initial loan attempt fell through, seemingly motivated by a referral commission. 

In conclusion, the manner in which my mortgage application was handled by Wells Fargo was marked by unprofessionalism, inadequate communication, and a lack of transparency, which has led to substantial inconvenience and financial burden on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( National Credit Adjusters ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX University. 
Debit Card stolen, Tried to get CS to assist and still to this day. They haven't and they are still holding money. 
XX/XX/XXXX Chase Bank Checking and Savings account Compromised. 
They said they sent money to XXXX XXXX.I asked why? And what makes then think they are authorised to do so..They hung up in my face. 
BOTH BANKS ARE LIARS AND THIEVES
Product: Debt collection

I checked my XXXX XXXX and noticed a collection opened by Cavalry Portfolio Service on XX/XX/XXXX in the amount of {$1500.00}. They never contacted me about this debt via phone or mail to tell me about this debt they are trying to collect. I sent them a Debt Validation Letter on XX/XX/XXXX to verify the debt via certified mail with USPS. On XX/XX/XXXX XXXX sent me a letter of dispute and said that they would write me again in 150 days. On XX/XX/XXXX Cavalry sent me another letter with the verification of my debt. They did not provide me with all of the validation requests I had requested in my original letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and Transunion dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under XXXX USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character. 

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

two accounts on my credit report with the same account number with different companies one is reporting the same account number. 
Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$880.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft SYNCB/AMAZ Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft SYNCB Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal or business loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal or business loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a checking or savings account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), and a mobile phone account opened at XXXX XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX {$540.00} XXXX XXXX XXXX {$7900.00} XXXX XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$280.00} 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: Debt collection

XX/XX/2020 they called about a debt that is owed from XXXX.They said they represent them I told them I had no idea if the debit and can they send me a validation and in response they sent this letter that does not validate the debit nor states his account belongs to me.