23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Complaint Against XXXX  Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the XXXX of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8. 

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit. 

I firmly believe that the state of Wyoming, through its Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law. 

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served. 

Thank you for your attention to this matter. 

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

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, XXXX, and Transunion we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Product: Debt collection

FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been struggling to remove fraudulent information from my credit reports for the past two years. While I was outside of the US, nine credit accounts were opened in my name without my authorization. 

I have filed numerous disputes with XXXX, providing them with a police report, an identity theft report, and an XXXX as proof that I was out of the country when the fraudulent accounts were opened. Despite this, XXXX has refused to remove XXXX fraudulent accounts : XXXX  XXXX XXXX XXXX XXXX XXXX  Instead, they mistakenly removed my legitimate XXXX account, which I am now attempting to reinstate. 

My Equifax report contains XXXX fraudulent account belonging to XXXX  XXXX XXXX. 

I am seeking assistance in resolving these issues and clearing my credit reports of all fraudulent activity.
Product: Debt collection

Capital one refuses to let me pay my auto loan any other way besides calling in and a representative taking the payment. This hasn't been an issue really till yesterday XX/XX/XXXX when I tried to call jn all day to make a payment. My due date isXX/XX/XXXX and I am already struggling and past due so I really was stressed about my payment not being processed yesterday. 

I call repeatedly yesterday from XXXX Est to XXXX est and it would pick up with the automated lady then go to peep peep after she said " welcome to capital one ''. 

Capital one calls me at least 3 times a day which i know my account is past due but when they call over and over then I can't even get through to them to make a payment it is not acceptable. I should be able to at least make a debit payment online or they should have a email center for issues. Especially technical issues like I experienced yesterday. 


Today when I talked to a rep they didn't know anything about it just could say the lines were probably busy. I lost sleep over not getting a payment in due to my past due balance already.
Product: Credit reporting or other personal consumer reports

I HAVE NEGATIVE MARKS THAT ARE AFFECTING MY CREDIT DUE TO INQUIRIES THAT I DO NOT KNOW AND THAT I DID NOT MAKE. I HAVE TRIED MULTIPLE WAYS TO REMOVE IT TO IMPROVE MY CREDIT BUT NO ONE HAS BEEN ABLE TO HELP ME. I REQUEST YOUR HELP SO I ATTACH OFFICIAL DOCUMENTS, DATES AND DETAILS. THANK YOU SO MUCH. 


XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because this creditor has ignored my request to provide me with the documents their company has filed that were used to verify the accounts I disputed. They have also gone past the XXXX mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this, as it hurts my overall credit willingness. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX po box XXXX XXXX, TX XXXX Inaccurate DOB : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX  XXXX Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, Experian and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX  XXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Product: Money transfer, virtual currency, or money service

I received income on XX/XX/XXXX and then used that income to a payment of {$4000.00} to a man named XXXX XXXX for some landscaping and small construction work on my property. Following that they gave XXXX a ton of complications so he fully convinced me he needed my info to verify his account, that is what we did and they they fully banned his account so then he was no longer willing to do the job until the funds were released in XXXX. I then submitted a request for my money back through Venmo as I didn't find that fair but then Venmo just ended up banning me too after using the app for several years. I earned that money through a job and then was going to use it as soon as I could for a desired and planned job and build, this has now all fallen through and now I am out all of my money until XXXX when he is willing to do the job, and my Venmo account that I frequently use.
Product: Checking or savings account

I was a victim of Identity theft on XX/XX/XXXX where someone opened a fraudulent bank account in my name. I was incarcerated ( sent to prison ) on XX/XX/XXXX and spent 5 years in prison, being released on XX/XX/XXXX. There was no way possible that I could have opened a bank account at this time. I think my kids mother opened the fraudulent bank account in my name and never told me about it. I am asking can you please have this information removed from all my credit reports. 

Attached you will find documents showing that I was incarcerated during the time this account was opened. 

Thank you
Product: Money transfer, virtual currency, or money service

I was sent three legitimate XXXX transfers for rent/bills to my Wells Fargo checking account on XX/XX/XXXX for {$200.00}, on XX/XX/XXXX for {$15.00}, and on XX/XX/XXXX for {$310.00} by my ex-boyfriend. On XX/XX/XXXX I found myself locked out of my Wells Fargo App and the Wells Fargo Website. Upon contacting them, customer service vaguely transferred me to their Fraud department where I was asked if I could account for the reason for the three transfers. I stated they were probably from my ex-boyfriend, as I could not access my accounts at that time to look at the said transfers she rattled off since I was still locked out of account access, to pay bills such as rent. She asked what his name might be and I confirmed. She then proceeded to tell me that my extra-boyfriend has claimed that these legitimate XXXX transfers made two and three months prior were reported as fraudulent by my ex boyfriend to his bank, XXXX XXXX. I said that they were clearly legitimate, looking at prior history of him sending me money, would demonstrate that. She took me that it would be investigated by Wells Fargo and they would go back and forth with XXXX  XXXX regarding the matter, making it seem that my bank would protect Me from a man who had already tried to steal {$200.00} from my Wells Fargo Checking account just two weeks earlier, causing me to open a new checking account to try to ensure my funds would be safe. The next day, XX/XX/XXXX, I would up to see that {$520.00} was missing from my Wells Fargo Checking account. They revised the XXXX transfers and released the funds back to XXXX XXXX to give back to my ex boyfriend. He is running a scam and Wells Fargo assisted him in doing so. I have plenty of evidence which demonstrates that the mere act of reporting these legitimate XXXX transfers as fraud two and three months after the fact is indeed an act of fraud committed against me and Wells Fargo is refusing to return my {$520.00} they took from me. I am looking to get help. This isnt right and one of their condescending managers essentially hung the phone up on me the other day.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to LexisNexis and I have asked LexisNexis to freeze my all information regarding my name and personal information. XXXX, XXXX  and XXXX  can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Product: Checking or savings account

I filed disputes with Wells Fargo since XXXX XXXX. Theyre claiming that I authorized a transaction that was sent to me cia text aa a fraud alert,. I DID NOT AUTHORIZE THE TRANSACTION!!!! I DID NOT RESPOND TO TGE TEXT!!!! I called immediately after the fraud alert! XXXX even has proof that i was not the person that verified the transaction! Wells Fargo is still denying to give me the funds back! I dont know any XXXX XXXX XXXX that is the person that used my debit card under there XXXX account! XXXX is more than willing to share all information with Wells Fargo! Its ridiculous that i have to go through this! Im sure i am not the only Wells Fargo customer with this problem! Wasnt well fargo stealing money from there customers before?! Ive been with this bank since XXXX and i never felt so abused by this company. Im am not going to stop fighting this! I have been trying to be so patient! I may have to get a lawyer involved because this is hurtful and ridiculous! {$2500.00} is a lot of my to steal!!! I want my money back! Im still waiting for Wells Fargo to give me the money back. Im so tired of being hurt by this bank!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS AND ADDRESSES NEED TO BE DELETED AND REMOVED UNDER THE FCRA 15 USC 1692. I HAVE NO KNOWLEDGE OF THE REPORTED ADDRESSES NOR ACCOUNTS PLEASE DELETE AND REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT I AM NOT ABLE TO OBTAIN ANY CREDIT IN MY NAME BECAUSE OF THIS MANNER. MY ONLY ADDRESS I HAVE CONTACT WITH IS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. PLEASE REMOVE AND STOP REPORTING ALL INCORRECT INFORMATION I HAVE DISCLOSED IN MY LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report, dated, and found an entry that reports payment transactions. According to the FCRA, payment transactions are not allowed to be included in the credit profile as they do not represent an extension of credit or a debt obligation. This reporting violates the FCRA in the following ways : Inaccuracy : The entry inaccurately reflects my credit history by including payment transactions that do not pertain to any credit or debt-related obligation. 
Misleading Information : The inclusion of payment transactions misleads potential creditors and lenders by suggesting that I have a credit history or debt obligations that do not exist. 
FCRA Compliance : The FCRA explicitly states that credit reporting agencies, such as XXXX, are required to ensure the accuracy and fairness of the information they report. Inclusion of payment transactions on my credit report is a clear violation of this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft fraud to XXXX XXXX XXXX XXXX and they refuse to remove the fraud from my name and from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get my report and freeze my report with DataxLTD. They appear to have a process which is better than what I'm running into with the other CRAs. Their process requires me to fill out sensitive information and physically mail it to them. I dont necessarily feel comfortable filling out all of my sensitive information and emailing or physically mailing them copies of my drivers license ( or worse ) or filling out a piece of paper with all my info. I thought these companies were required by law to give me my report? Below is their latest reply but I will attach the email chain as well. 

Dear XXXX XXXX : Thank you for contacting DataX. For your protection, we only process Consumer Requests through the mail. If you would like to track your documents to see when they are received, you may certify your mail via USPS Mail. 

We are an information service provider that provides data into consumer payment history for the non-prime lending community. We are a Bureau ; however, the information we provide does not assist or adversely impact your credit as it is reported by the three traditional major credit bureaus. As a credit reporting agency, we do not make credit decisions and we are unable to provide specific reasons for the adverse action. We only provide information not credit scores. 

To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX Completed Freeze requests must be mailed to the following address : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I open this credit card account with money from own account during the pandemic i was unable to keep paying it so it went bad they close my account and sent it to collection, when i got back to my feet i called them t resolve it they sent told me they had already sent it to the collection agency i called the collection agency i paid them but they had a different amount then the company has when i called the company the company told that i didnt pay the right amount so they kept a balance of {$39.00} on my account that cant seem to come off. the collection agency tld me they have no record of my account and theres nothing they can do for me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Equifax and told them that this inquirires are fradulent and provided proof, even though they told me that this inquirires were verifed Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, XXXX, and Experian a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it. I also sent them letters disputing other information and was ignored
Product: Credit reporting or other personal consumer reports

I sent your company a letter on XX/XX/XXXX to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX and XXXX are already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXX Contact XXXX