23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/XXXX Complaint regarding my dispute with IQ dada International : I am in possession of the documents sent to me dated XX/XX/XXXX. The information is unresponsive to my demand. I demanded valid proof that I owe IQ data international or the XXXX any money. 
They responded to my complaint to the CFPB on XX/XX/XXXX. Case number XXXX in which they indicate that they sent me a copy of my final account statement and a letter requesting additional information. They also stated that the XXXX XXXX confirmed that the balance is accurate and provided a copy an electronically signed lease. Which was not even included in their correspondence. 
Even if the electronically signed signature had been provided, it is still not valid proof that I owe money to these people. 
An electronic signature can be copied and pasted and attached to any document by anyone. With electronic signature, there is no document security. There is no verification process or any tracking for changes made to the document after signing. 
I am requesting that this collection agency provide me with valid proof before continuing collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, Experian, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

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

This is XXXX XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Hard inquiries in my credit report that i dont recognize: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive applied several times for an Apple Card after receiving MULTIPLE emails to preview my new credit limit. I remember applying by way of submitting application/ security/ promissory note back in XXXX when they first began advertising. I was denied due to my credit report. I began receiving back to back email advertisements the beginning of this year ( XXXX ). I have submitted applications /securities/promissory notes 2 additional times in XX/XX/XXXX after recording over 20+ emails to Preview my new credit limit. And after receiving denials, I received 10+ additional advertisements. I initially was excited receiving the email because I thought I was approved all this time while experiencing financial difficulties and I thought that was a means of an end to the issues. Just to see that I was completely denied. This is considered bait and switch. This is false and misleading representation. I have also read on their documents on the Security Exchange Commission and saw that they are securitizing our applications and pooling them into trusts to trade across the secondary market ( XXXX XXXX XXXX XXXX ) after turning the application over to get the Original Issue Discount from the Treasury Department without giving me MY EXTENSION OF CREDIT. They are committing securities fraud and they are not reporting anything to the IRS which is now going into tax evasion. I sent an email in response and no one responded. I then called the investment line and explained my issues and the individual had a supervisor call me back and that individual stated they do not have to comply with UCC, they do not go off of third party websites ( SEC.gov ) and stated the decision is final.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$5200.00} Late Payment XXXX XXXX XXXX  - XXXX - {$0.00}
Product: Bank account or service

XXXX XXXX opened an " Essential Business Checking '' account with Wells Fargo in XXXX and I was told there would be no fees - I took a picture of what the banker wrote on my welcome booklet and Wells Fargo has confirmed that, that type of account was free because I have a mortgage account with them. Less than a month later, on XXXX XXXX, Wells Fargo changed my account to " Business Choice Checking '' without telling me and began charging me a $ XXXX monthly fee. No one at Wells Fargo can explain why this change took place and they simply said they no longer offer the Essentials Bus Banking. I was told by the CS rep at Wells Fargo that I was notified either by email or mail but I was not. I have also checked the secure emails that they sent to me within my online banking. They are refusing to refund the {$14.00} fee and I now have to go close out all my accounts with them. Here is what they wrote after I emailed them my complaint : " I received your email inquiring about changes to your account. I know how frustrating it is when unexpected fees are assessed. 

Effective XXXX/XXXX/2015, your Essential Business Checking account waschanged to Business Choice Checking. The account will have a new $ XXXXXXXXmonthly service fee. I regret that I am not able toreimburse the fee at this time. " I would just like there to be a record of Wells Fargo 's shady business practices.
Product: Checking or savings account

I am writing to formally express my profound dissatisfaction with the handling of my dispute claims, particularly concerning the XXXX transaction, {$1200.00} on XX/XX/XXXX by the Found dispute team, specifically XXXX. The lack of thorough investigation, dismissive responses, and refusal to provide transparency have led to an unjust denial of my claim and a complete erosion of my trust in Found 's ability to protect its customers. 

The dispute team 's insistence that an internal funds transfer indicates an intent to make an unrelated transaction is illogical and demonstrates a lack of understanding of basic financial practices. Despite providing clear evidence and explanations to the contrary, my concerns were repeatedly dismissed. The team 's refusal to provide any evidence or reasoning behind their decision further highlights their lack of transparency and accountability. 

The demand for evidence from XXXX, a company I have never interacted with, is unreasonable and places an unfair burden on the victim of a fraudulent transaction. It is the bank 's responsibility to conduct a thorough investigation, not the customer 's. 

I am appalled by the lack of professionalism and customer service exhibited by the Found dispute team. Their failure to adequately investigate my claim and their dismissive attitude towards my concerns have left me feeling helpless and violated.
Product: Credit reporting or other personal consumer reports

I am writing to file an urgent complaint regarding fraudulent items that have appeared on my credit file. It has come to my attention that there are inaccuracies in my credit report resulting from fraudulent activities, and I am requesting an immediate and thorough investigation into these matters. 
I understand the gravity of identity theft and the potential harm it can cause to my financial well-being. Therefore, I request that you prioritize the investigation of these fraudulent items and take swift action to remove them from my credit report. 

Enclosed with this letter, please find supporting documentation related to the fraudulent activities, including any police reports, identity theft, or other relevant evidence. I have also taken the liberty of marking the specific items in question on the copies of my credit report that I am providing for your reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate and thorough investigation into these matters. I expect the results of this investigation to be provided to me within the legally mandated timeframe. Additionally, I request that you notify all relevant creditors and parties involved of the fraudulent nature of these items and ensure that they are promptly removed from my credit report. 

Given the urgency of this matter, I kindly request that you expedite the resolution process and keep me informed of the progress throughout. I can be reached at the provided phone number or email address for any further clarification or information you may require. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

account was removed & was part of Bankrupcy chapter XXXX in 2026 Case #  XXXX
Product: Vehicle loan or lease

When I filled the application out with my social security number and sigh the vehicle was paid for, it was sold to Westlake financial to make me pay again with interest and extra fees which is illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you immediately block and delete the following accounts and inquiries from my credit report. I am a victim of a significant data breach, and these entries are the direct result of unauthorized activity stemming from this breach. 
I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of information resulting from identity theft. The following accounts and inquiries are fraudulent and were opened or initiated without my knowledge or consent : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On my Transunion credit report account number XXXX XXXX XXXX XXXX XXXX is showing as a collection and the balance was paid in full as of XXXX XX/XX/year>. I request that Transunion remove this account from collections since the balance was paid in full
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 COLLECTION XXXX  - XXXX - 605B - XXXX - 605B. 
INQUIRY XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXXDispute ftc violations filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX XXXX XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get a response.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023
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 ( original creditor : XXXX XXXX XXXX ) ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 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: Debt collection

Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me.
Product: Checking or savings account

I tried to link my bank account with this account. And I have been unable to Nothing has happened yet.
Product: Checking or savings account

I am aware that there is currently several lawsuits against Wells Fargo for failing to properly investigate account fraud claims, and have been closing accounts involved without providing notice to the customer, so I am taking any and all steps to preserve a record of my efforts to recover my funds. My current WF fraud claim number is XXXX 1. On XX/XX/XXXX, I noticed that certain emails were not making their way into my inbox on gmail. 
2. Upon closer inspection, I noticed that some of my email traffic was ending up directly in the trash bin within my XXXX account. 
3. I immediately noticed that there were several XXXX transactions reflecting the forwarding of several large cash transfers from my account to a variety of people, none of whom I know. Nor have I ever used XXXX before and not since. 
4. I called Wells Fargo immediately to notify them of what had happened. I verbally registered a report with Wells Fargo Fraud Dept, but my claim was denied approximately 7 days after I registered my complaint. They did not make contact with me to ascertain any of the facts. They merely claimed that the transfers were done via a secure online session and must have been with my authority. 
5. I then submitted several pages to the Wells Fargo fraud dept to support my claim of online fraud, and again my claim was denied by Wells Fargo. This is despite the clear evidence I provided that someone hacked into my email and my Wells Fargo account, changed my contact information, attempted to open up several cash card accounts, reassigned a XXXX account from my phone to two other phones ( not mine ), and then transfered the balance in my checking account to several people via the XXXX app. 
6. I have since filed a police report with my local Police Dept. and have filed a claim against Wells Fargo via the FTC website.
Product: Mortgage

I updated my homeowners insurance on XX/XX/2020. The annual amount I owe for homeowners insurance went from {$940.00} to {$810.00}. I called in to get this updated on The Money Source website ( a XXXX subsidiary ) the week before XXXX of XXXX. It has now been a literal year, and despite multiple emails, phone calls, several uploads of my declarations page ( with both the Money Source and the third party company who handles their insurance that I have been sent to, and spoken with, multiple times ), as well as XXXX XXXX, the vice president of Customer Experience and there is no change. I'm incredibly dissatisfied because I am being charged money I do not owe. After speaking with XXXX XXXX, she told me XXXX would have to send her an updated policy, but I have already requested this of XXXX, and they have sent me a copy each time, which I then uploaded each time to the Money Source, but they continue to pretend each time that it has not been received, IF I get a response from them at all.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting .. USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive sent multiple Dispute letters, validation letters, and spoken directly with representatives from CRAs s well as furnishers, and my documents and letters have been disregarded. Investigations have been completed and validated on companies that do not even accept phone calls. Accounts are continuing to be reported that are more than XXXX XXXX XXXX, and legislature started in the FCRA has been grossly disregarded.