23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 this 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 Balance : {$9400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Checking or savings account

Venmo froze my account for user agreement, did nothing wrong with said agreement, been doing the same thing for 3 yrs. Have my XXXXXXXX XXXX in Venmo then move money to bank account. Would not let me instantly transfer, called Venmo, said everything looked fine on my end. Representative told me to try and send it 3-5 biz days. On day XX/XX/XXXX funds never transferred, my card was declined at store. Called Venmo told me my account was frozen. Keeping my SSXXXX check, I am a XXXXXXXX XXXX, Im going to be evicted because of Venmo saying keeping my funds for up to 180 days. I will be dead by the end of the month
Product: Credit card or prepaid card

I recently sold one of my houses and am looking to buy a new one. I check my credit to see that my score has tanked. A main driver is utilization, and I see that XXXX XXXX XXXX XXXX apparently decreased my limit from {$10000.00} to {$2500.00} sometime between the XXXX and XXXX bills. I received no notice at all. I know that Reb B, FCRA and ECOA require that written notice be sent to a customer within 30 days of adverse action being taken. I received nothing. I called to find out what was going on. I was told immediately that there was a returned mail flag on my account and prompted to update my address. When I changed addresses, I filled out a form with the USPS to forward my address. If they failed to update my address when notified by USPS, and furthermore had multiple ways to reach me to let me know they had returned mail ( phone, email or online message center as I have always paid my bills via their online center ) then this is incredibly unfair. I want to dispute this and I want my original credit limit of {$10000.00} restored immediately! The agent on the phone today ( XXXX - who would not give me a last name, badge number or ID # of any kind ) said the only way to get it back was to apply for an increase. She assured me this would be a soft pull so I agreed. If this is a hard pull it will further decrease my FICO score. I asked her again if it was soft, she assured me it was and that the call was being recorded to capture that she verified that for me. This is not OK to destroy someone's credit by taking something away that they have never abused AND not letting them know, only to be caught blindsided by it at a crucial time when their FICO score is important. Please help to restore my credit limit back to where it was. I do not need the credit, I need my credit score back and will be closing my relationship with XXXX ( which I have had since XX/XX/1992 ) if this is not resolved.
Product: Checking or savings account

My Name Is XXXX XXXX, I am the owner Of XXXX XXXX XXXX. I have a business Bank Account At Wells Fargo Bank. The due diligence case number is XXXX. Wells Fargo has put my bank account under due diligence review requesting Certain Documentation before a Due date in XXXX XXXX. I Sent All the documents to my due diligence Reviewer XXXX XXXX, Days before the due date, I ask if she has everything needed to complete the review. She says that If there is anything needed, she will give me a call before the due date. 

I receive no call. 

I attempt to call her but she does not answer her phone. A month and a half later, without any warning, I can not pay for some office supplies that I need and my employees checks are not being accepted. I go to the bank and they say my account is on hold, and that I need to contact XXXX. I call XXXX multiple times along with a XXXX certified XXXX XXXX. I can not even take my funds out of the bank. They are totally frozen without warning. Despite me having made a formal request to accesss my own money She does not respond. It takes her days to respond by call and she says that There are deficiencies in the documents that I sent. I reviewed the documents with a XXXX  professional and I double check them personally, We both see no deficiencies. I reply asking what are the specific deficiencies, and I receive an automated email stating she is going to be absent for a full week until the XXXX. 

This incident caused by Wells Fargo has already caused me and my business significant material harm and I need to access my funds, thus I am seeking help. It has been 2 weeks since It has been frozen, the total amount frozen is XXXX XXXX total. There is no state or legal mandate to freeze this money, Wells Fargo is fully responsible for this.
Product: Checking or savings account

Wells Fargo i haven't been able to login to my unkind account and tried to fix many homes there had been fraud since XXXX also XXXX XXXX my account has been hacked by someone v and had to get a new number abs my old number someone antsy has it on XXXX account which has only been s month so somebody b ported it over because i was trying to get it back and they told me it was c in someone else 's account XXXX XXXX tried to call them plenty of times but my calls get reroited and v can't get hold of then for b the months I've told XXXX XXXX but they have not done anything about but
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I called Transunion and XXXX to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On 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 XXXXXX/XX/XXXX I want this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I've logged into the Transunion website on several times over several days to confirm that I have a credit freeze. When I do the website responds with " Sorry, we're having trouble showing the status of your credit freeze right now ''. 

How can I manage my finances properly if they won't communicate with me.
Product: Credit reporting or other personal consumer reports

Transqorld Systems disputed XX/XX/year> Sent back verified I have never done business with this company and they can not provide me a signed contract of my signature to do business with them. There is no contract and no obligation.
Product: Debt collection

Love, Beal, and Nixon attempts to collect from XXXX individuals with federally protected, exempt funds.
Product: Student loan

XXXX 2019, costant harassment by phone calls. My sons loan, now my credit score dropped over 100pts. Even after he started paying Sallie Mae. They are very aggressive on the phone with threats. A d they the followed they and have ruined my credit. It had dropped from XXXX. Now XXXX.
Product: Credit card

I purchased a Vanilla Gift card for {$500.00} from XXXX at XXXX on XX/XX/XXXX. The first issue happened on XX/XX/XXXX when a purchase was made on this card for {$53.00} at XXXX XXXX XXXX and was unrelated to me. This happened once again on XX/XX/XXXX when the card was charged {$130.00} at XXXX. Both of these purchases were not made by me, so I immediately sought help to get back my money. The two purchases mentioned were put on the status 'Disputed ' and there didn't seem to be any issues afterward. I then made a couple of purchases of my own. I decided to open a case on XX/XX/XXXX because I wanted to accelerate the process of gaining back my lost money. However, the process ended up being dragged on by the company. I spoke with multiple customer service representatives to resolve the issue. They told me to provide documents such as a picture of the front and back of the card as well as a digital receipt from XXXX. I went to XXXX I purchase the card, but they said it had been too long and that they were unable to provide me the receipt. I relayed this to a representative and, thankfully, they said that I did not need to send the receipt as it would be resolved without the need for one. Despite providing all the information I could, every time I called the company they gave me the same response over and over. I had to wait for their team to work on the case and that I would get an email within 48-72 business hours. Every time I would wait a week and not receive any response from the company. I would then call again and get the same response from the customer service representative. The final deadline they set for when the case would be resolved was XX/XX/XXXX which would be 90 days since I first opened the case. However, I called again on XX/XX/XXXX and all I got was the same answer from the customer service representative of giving their 'team ' another few days to work on the case. I have been as patient as I can, so I am now submitting this complaint as a way to finally resolve the issue as it is clear to me that the company simply refuses to do anything.
Product: Money transfer, virtual currency, or money service

I can not add accounts to send money to. Apps like XXXX, XXXX require you to link you bank account for functionality of the app. Having my money held hostage is unethical, I should have the freedom to send money or link my account to whomever I choose.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Fraudulent Accounts and Inquiries In XXXX, I contacted XXXX, XXXX, and Equifax to dispute fraudulent information on my consumer report related to an unauthorized address and accounts/inquiries from companies such as XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX and XXXX. These accounts and inquiries were fraudulently opened using my Social Security number without my knowledge or consent. 

Fraudulent Address I also discovered an unauthorized address, [ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ], repeatedly appearing on my credit reports, despite multiple disputes and its removal. I have lived in XXXX, TX, for the past five years and have no connection to this address. The credit bureaus have provided no evidence linking me to it, yet it continues to reappear. 

In addition, I am a victim of identity theft, as documented in an FTC Identity Theft Report ( # XXXX ) and a police report ( HPD Case # XXXX ). My personal information, including my Social Security number and driver 's license, was compromised during the Equifax data breach. 

Despite providing all required documentation to substantiate my claims, XXXX, XXXX, and Equifax have failed to prevent the fraudulent accounts and address from reappearing. Their actions have caused harm to my financial reputation and emotional well-being. 

Harm Caused by Inaction : / Credit Score Impact : Because of unauthorized inquiries in XXXX : After disputing and removing the first inquiry, my credit score dropped by XXXX points before temporarily recovering to XXXX. 
A second unauthorized inquiry appeared weeks later, and my credit score dropped by XXXX points after the dispute. However, the score never returned to its original level, despite no high credit usage, late payments, or outstanding balances. 
When I contacted XXXX for an explanation, they were unable to provide one. 

Constant Monitoring and Distress : This ongoing issue has caused constant distress, as I am forced to : Monitor my credit reports and alerts not only with XXXX, Equifax, and XXXX but also with XXXX, XXXX, XXXX, XXXX, and other lesser-known bureaus. 
Continuously search for additional credit reporting agencies that may be receiving or selling incorrect and fraudulent information about me. 
This exhaustive and repetitive process has consumed a significant amount of my time, caused emotional stress, and incurred additional costs for credit monitoring services. 

I am aware that the CFPB has filed a lawsuit against XXXX for improper dispute handling, and I believe my case reflects the same systemic issues. 

Potential FCRA Violations I believe these issues are indicative of systemic failures, including those highlighted by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for improper handling of disputes. In my case, XXXX 's failure to prevent the reappearance of disputed fraudulent information and the unexplained harm to my credit score align with the practices cited in the lawsuit.
Product: Student loan

In XX/XX/XXXX I sign my son up for XXXX XXXX XXXX to help him with math & reading. My monthly payment is about {$50.00}. I 've been paying on this student loan now for 11 years & 8 mos. 
The original amount borrowed was XXXX on XX/XX/XXXX with an interest rate of 11.75 %. On XX/XX/XXXX I had transferred {$4700.00} to my credit card for 18 mos promotion at 0 %. I still have a balance with Navient of {$1000.00}. If I never transfer some of the balance it would n't be paid off until XX/XX/XXXX. It does n't make sense to me at all on how my payments are being applied to the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt investigation into a XXXX that was on my credit report from XXXX XXXX Just tried mine used to be a closed account which I said it was not mine. There was no money owed on the account the account reflective XXXX. I challenged it to Equifax to get the XXXX removed. The investigation Equifax did simply labeled the account as a collection account with a XXXX balance.. the account cant be a collection account if theres no money owed. The information that they reported to the credit report, even after the investigation is still wrong and false information provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a call from what I believed to be a Wells Fargo Representative from ( XXXX ) XXXX, the Wells Fargo Customer Service Number. 
The caller introduced herself as a Wells Fargo Fraud Specialist named XXXX XXXX ( # XXXX ) to report fraudulent charges on my bank account and gave instructions to halt/reverse XXXX charges for {$1000.00} sent to XXXX XXXX at phone number ( XXXX ) XXXX. 

This resulted in this person being sent {$1000.00} from my bank account. I was placed on hold to wait for a confirmation number and the call was ultimately disconnected. I waited for a few moments for a call back. I immediately called Wells Fargo to follow up and was informed that the money had been deducted from my account. 

I then reported a claim. I was given a claim number and did not hear anything until I called on XX/XX/year> to find out the status of the claim and was informed that the claim had been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has stolen my identity and its destroying my life I'm XXXX  because someone has stolen my identity
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.