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

Please Delete these accounts Immediately they were fraudulently open! 

-XXXX XXXX XXXX  XXXX XXXX {$1400.00} Opened : XXXX XXXXXXXX XXXX XXXX  Amount XXXX {$520.00} Opened : XXXX XXXX XXXX XXXX Amount : {$420.00} Opened : XX/XX/XXXX Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

the accounts on my credit report are all id theft. I'm a senior and I don't know what happen or how it happen
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit eport. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Product: Debt collection

Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert from XXXX about a credit card, I then received an email saying that I was approved for a credit card from XXXX XXXX XXXX. I never applied for a credit card with them. I called XXXX and they called XXXX XXXX with me on the line and I disputed with the bank they did see where the card was going to be delivered to another address that is not mine. XXXX XXXX did stop the card from going out. My problem now is the hard inquiry on my credit report that TransUnion is reporting. I tried to dispute online but was unsuccessful it is saying I have an online account but I can not get into it online. I then called and I was told I need to report to FTC first and get a report and then mail it to TransUnion along with a copy of my driver 's license or social security card.
Product: Debt collection

Wise loan/ XXXX XXXX  holdings https : //wiseloan.com Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with Wiseloan and XXXX XXXX XXXX account number XXXX. This account was charged off and written off in XX/XX/2022, yet Wiseloan and XXXX XXXX XXXX continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

Wiseloan and XXXX XXXX XXXX failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that Wiseloan take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of Wiseloan 's negligence and failure to comply with the FCRA regulations. 

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

There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20  years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling experian, XXXX, and XXXX because of fraud.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of my student loans on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report, and credit reporting agencies are required to correct or delete such information when found to be inaccurate or unverifiable. 

The loans in question have been 100 % forgiven, and my balance should accurately reflect {$0.00}. I request that this erroneous information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account # XXXX Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX XXXX XXXX from my credit report. A dispute was filed more than 30 days ago, requesting validation of the debt, specifically the assignment contract proving the debt was legally transferred or assigned. To date, there has been no response or valid proof of ownership provided by the creditor or debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to investigate the dispute and resolve it within 30 days. Furthermore, if the disputed information can not be verified within this period, the account must be deleted from the consumers credit report as required by law.

I have attached a copy of my Consumer Financial Protection Bureau ( CFPB ) complaint, which also reflects that no valid response or verification has been provided within the legal timeframe.

Given the lack of response and verification, I kindly request that you immediately remove this account from my consumer report in accordance with the FCRA. Please confirm in writing once this action has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX tached CFPB complaint for further documentation.
Product: Credit reporting or other personal consumer reports

I have written documents letters have gotten it dispute and it's still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax over 29 times disputing fraud items on my credit file only with Equifax. I have several accounts that are fraud and the ladies who stole my identity have been found guilty and sent to jail. i have faxed and uploaded every police report and court document to prove to them this wasn't my accounts. when i file the dispute it says 30 days and you'll get our desion, NOT Equifax, within 2-3 days i receive a email saying the items are updated and there correct. 
XXXX XXXX XXXX XXXX is FRAUD XXXX XXXX XXXX is FRAUD XXXX XXXX for XXXX of XXXX is fraud. 
The crazy thing is i received a auto loan of XXXX from XXXX XXXX XXXX back in XX/XX/XXXX and the loan officer stated it looks like we gave a loan out in your name and it was fraud and then he said i'm so glad we caught XXXX XXXX and XXXX XXXX from using your identity. I stated well its still on my Equifax file. He said let me check that for you, 10 minutes later he said the bank has never received any of your disputes and XXXX XXXX as requested several times to have the items removed and blocked. XXXX  and XXXX  have both removed the fraud accounts and blocked them over a year ago but not Equifax. I filing legal actions against Equifax next week. Now my bank is calling my loan in due to whats on my Equifax Credit File. I what them removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This alleged debt holder has many violations, as mentioned before. XXXX XXXX XXXX XXXX has removed it, the others still need to. See attached for my recent communication.
Product: Checking or savings account

Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!
Product: Debt collection

On XX/XX/XXXX, I initially filed a complaint with CFPB regarding XXXX XXXX XXXX, XXXX, Complaint # : XXXX, who was the company l received a letter from dated XX/XX/ and they listed Toyota Motor Credit Corp as the Current Creditor for Account # : XXXX, for a balance of {$11000.00}. After receiving from CFPB on XX/XX/XXXXnotification that my complaint had been closed due to a response from company. 

The response from XXXX XXXX XXXX XXXX XXXX, is that they have placed my account into a dispute status and requested validation information from the creditor. And I should receive validation information by mail from Toyota Motor Credit Corp.

As of today, I have not received any validation from Toyota Motor Credit Corp. Nevertheless, they continue to report negative information on my credit reports. I am requesting to submit a complaint with CFPB against Toyota Motor Credit Corp due to deceitful, unethical practices.
Product: Debt collection

I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for 16 years and only have had 3 credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records. This actual account was with another debt collector and was recently disputed as of XX/XX/2022 and been handed off from company to company. The XXXX XXXX XXXX is being traded between debt collector companies to see who can cash out first and its at my expense. This is unfair and unethical. Something needs to be done. These companies are careless and reckless with peoples lives and do not care as long as they make a buck.
Product: Checking or savings account

On XX/XX/XXXX or before, Direct Express locked my debit card and has kept {$XXXX} of my XXXX deposit true to this day. The issue started when I lost and reordered debit card several times causing them to question my ID and block funds. They requested and received : Scanned Texas ID ( back and front ), scanned Social security Card, back and front, and scanned birth certificate. Their computer would reply back that my Texas ID was expired. It IS current and expires on XX/XX/XXXX. I resent again all scanned XXXX stated nothing is expired, only to have their computer say I my Texas ID was invaild due to it being expired. ( it is not ). Obviously I quickly had to change banks to receive my monthly XXXX deposits and now want the money Direct Express is still holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see this letter as an immediate request to reverse inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

According to15 U.S.C 1666B The timing of payments creditors 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. Please review these accounts for any violations of the fair credit reporting act. 

XXXX. ( XXXX XXXXXXXX XXXX account number XXXX ) XXXX. ( XXXX XXXX  account number XXXX ) I would like these accounts removed if no evidence is provided that I was notified 21 days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$120.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

In XXXX, my wife XXXX and I ( XXXX ) applied for a HAMP agreement that would allow us to stay in our Vermont home. Wells Fargo stalled and stuttered for years until practically all our equity was gone. 
We sued Wells Fargo and in XXXX the Vermont Superior Court agreed that the HAMP agreement fit the necessary bank compliance with borrowers when Wells Fargo and XXXX signed the bailout agreement with US Congress. 
A HAMP agreement was set in place in XXXX. However, Wells Fargo was enabled to capitalize accrued interest between XXXX and XXXX that wiped out all the equity in our home. 
We have since sold the property and paid off Wells Fargo in full. We have been damaged by Wells Fargo- they could have struck a HAMP deal in XXXX, but delayed to gain interest in our property and try and force a foreclosure on a resort mountain property complete with a brook and pond. The bank stood to make a huge profit selling our property. We were tied to Wells Fargo like being tied to the railroad tracks! No other bank would touch us since Wells Fargo reported delinquencies. CFPB recently recovered $ XXXX from Wells Fargo for grifting on customers. 
It became a con game for them.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/year> and noticed that my personal information was incorrect. I had multiple variations of my address and telephone number. I sent a letter to Equifax on XX/XX/year> and asked them to investigate this, but they still haven't fixed this problem. Im not sure of what else that I can do. Can you please look into this matter. Please remove this from my personal information.
Product: Vehicle loan or lease

Car loan was paid off on XX/XX/2023 and i have yet to receive a XXXX release letter from the company by which in accordance with Section XXXX of the New York Vehicle and Traffic Law specifically states : Upon the satisfaction of a security interest in a vehicle the XXXX holder shall immediately upon clearance of payment execute a release of his security interest in a manner prescribed by the commissioner and mail or deliver the release to the owner To avoid being subject to action by the Department, all regulated financial institutions financing motor vehicles sales shall release liens and deliver the XXXX release no later than XXXX business days after clearance of payment. 

Also i am owed a refund for overpayment but i keep being told it can take XXXX weeks which makes no sense as the agents i spoke with kept saying its backed up? What's backed up? Printing checks?
Product: Student loan

In a nutshell, my youngest daughter wanted to attend XXXX in XXXX XXXX, FL. We contacted the financial aid office at XXXX, and were told only about the Parent Plus loan ; it was never brought up that my daughter could apply for the loan in her name, and have her payments based on her income. I had to take out the loan. I had been through an expensive divorce from her father, and my credit scores were not sufficient for me to sign the loan on my own. They advised that if we could get another co-signer with better scores, we should have no problem getting approved. My then boyfriend, now husband, graciously offered to co-sign. This was in XXXX-XXXX ( a total of 4 loans ). We are currently pending approval/denial through the Dept. of Education Borrower Defense process, due to XXXX XXXX fraudulent job placement claims. Those 4 loans are in forbearance, accruing interest at an alarming rate. It also appears that XXXX XXXX is suing the Dept. of Education, and that applications are not being processed until the lawsuit is settled? I questioned the Dept. of Education as to why are these loans placed in forbearance vs. deferment. It was explained to me that this was done in order to prevent borrowers who were applying were not doing so just to be able to delay making payments. My husband and I both work for the XXXX XXXX XXXX ; our income is lower than low. I believe in paying my taxes, debts, etc. I believe that your agency can not submit my claim to the government, but, I feel that my husband and I are being punished for something that someone else must have done ( filed borrower defense when they know they are not even remotely eligible ). We are getting close to retirement age, XXXX and XXXX, and this is frightening to us. If our application is on hold for something we had nothing to do with, and have no control over, why can't our loans be placed in deferment? That is all I am asking for. Thank you for your taking the time to read my complaint. Respectfully, XXXX XXXX XXXX
Product: Debt collection

ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME XXXX
Product: Mortgage

after a floding situation and wind damage in the area I end up set back in my payments, and I want to resumen my payments and the Bank refuse to take it probably to inflate amount. please monitor it. and help. the full amount is {$1400.00} total.