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

Equifax received police reports and were requested to not use the XXXXXXXX  system system that converts disputes to numeric codes instead of actually sending physical documentation to the debt collectors which I don't know how this is legal as the FRCA states investigation have to be 100 % veritable and 100 % accurate. Not 65 %, 75 %, 45 % accurate which seem to be a violations. The detective on my police report stated the police report is the final permanent record for me to file my credit reporting disputes. The negative accounts continue to be verified and the police reports are self explanatory of the identity theft and fraud. 


Police Reports REPORT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX so I don't have time to keep filing all these reports but I am a victim of identity theft because my information was exposed from XXXX XXXX. I have listed the items in the letter that I do not recogonize on the attached copy of the report I had to fill out on the Federal Trade Commission website. The items I am disputing do not relate to any transactions that I have made or authorized. As required by section XXXX of the Fair Credit Reporting Act, XXXX XXXX, requires you to delete/block this fraudulent information on my credit report resulting from identity theft within XXXX business days.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am a Wells Fargo Customer. I was on vacation in Tennessee. I called a few services for a massage. I realized they were not giving massages, and it was a XXXX XXXX. I was called the next day by someone who was insistent I wasted some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hung up, he kept calling back and sent me the attached video and picture. 
This scared me enough to send him money. I immediately called the FBI, they told me not to worry about it and call local police. I went directly to the FBI headquarters in Tennessee. They took my complaint. I called the local police in XXXX Tennessee and they sent a squad car out and he took a report. I was waiting on follow up from FBI but nothing.. Bank denied my complaint and would not chase down the person on XXXX who accepted my money. That is criminal. They should know who that person is. I can't open up a bank account without them knowing who I am and where I am. I heard there is a lawsuit against the banks. Good, WellsFargo owes me {$500.00}. 
Thanks for listening. 
XXXX XXXX
Product: Debt collection

Diversified Consultants call from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spoken with someone from I C systems on a few occasions only by phone. I have never received any written correspondence from I C Systems even when I have requested to receive documentation of debt with them. I have asked them to provide me with written documentation from their company about full nature of debt. They have refused to send anything in writing. I have never done business with I C Systems, I have never signed a contract with I C Systems, and I have never received a service from I C Systems. Furthermore, I C Systems is not licensed and bonded to collect debt anyway! 
This company should not have any of my information because I have no affiliation with I C Systems Collections. The amount that they claim that I owe is {$86.00}.
Product: Checking or savings account

On XX/XX/XXXX I tried logging into my Bank of America account only to see a notification stating that my account had been closed. I reached out to XXXX XXXX a Bank of America representative thats been handling my complaints with CFPB, I could not get a hold of her. I then call the regular Bank of America number to find out more information as to why would my account be closed. I never did anything malicious on my account, no fraudulent activity, literally nothing as to I could not figure out why would they close my account. The only thing I did was inform Bank of America of a company that fraudulently used my card number to make unauthorized purchases on my account. They denied my claim and never initiated any temporary funds while the claim was in research. I was given a bogus reason stating that too much time went by and I did not make them aware of the fraudulent charges. I made them aware as soon as I noticed these unauthorized charges on my account. Now on XX/XX/XXXX my account is closed as if Im the culprit or had anything to do with money being stolen from my account. Ive gotten absolutely no help from anyone Ive spoken to including XXXX XXXX. Theres no history of fraudulent activity on my account, Ive only ever used my account honestly since XXXX to do nothing more than pay bills, and simple uses.
Product: Debt collection

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 : I C SYSTEM, INC : Account Number 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

To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
Product: Credit card or prepaid card

I received a bill from XXXX XXXX around XX/XX/XXXX in the amount of {$610.00}. I had paid off {$500.00} on XX/XX/XXXX and another {$300.00} on XX/XX/XXXX and disputed the remaining {$190.00} that remained. They had charged me {$30.00} a month for an item I never ordered. I never received another bill from them until this past XXXX. I called them and offered to pay {$200.00} to end the dispute and they refused and contacted a collection agency, Resurgent Capital Services. They in turn sent a demand letter on XX/XX/XXXX which included a copy of my mortgage statement. Please help me resolve this issue quickly, I am a XXXX woman, XXXX years old. Thank you very much.
Product: Vehicle loan or lease

I BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit act XXXX has violated my rights it also states consumer can not furnish an account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENLTY PULLED MY CREDIT REPORT. I HAVE A LOT OF FRAUDENT INFO ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS ARE CAUSING HARDSHIPS AND MENTAL DISTRSS FOR ME AND MY FAMILY.
Product: Mortgage

I am in the process of getting preapproved for a loan. On XX/XX/XXXX, I received information from a Loan Officer that Shellpoint Mortgage had reported me 60 days delinquent on my mortgage in XX/XX/XXXX. I filed a complaint with CFPC XX/XX/XXXX, regarding this situation and Shellpoint responded with a letter dated XX/XX/XXXX, stating they had misapplied the funds and I actually had a credit. I spoke to Shellpoint today XX/XX/XXXX, and was told that I had to send them my credit report in order to have this fraudulent credit reporting corrected. I am not spending money on a credit report or wasting my time correcting Shellpoint 's error. I am requesting that Shellpoint provide me with a letter stating I have had no late payments in the last twelve months.
Product: Debt collection

I really didn't know anything about the situation that was happening to my friend. I guess this was an old credit card debt from years ago. First I heard of this situation was this last XXXX XXXX. She told me that this lawyer/ collection office ( XXXX XXXX XXXX XXXX XXXX has sued her and is garnishing her account. Which she is on SSD support to help her survive. She is paranoid XXXX. They already have a judgement she said on her account and started taking money out. 
This is when I heard of what is happening. She asked if I could use one of my credit cards to pay them off so I have money for my needs from my XXXX. I said finally ok. I had her call to pay the full amount. She asked them for some kind of discount it's paid today in full. They said no. Oh, I don't know anything about the above situation but something just doesn't sound right I told her.

This is where my complaint originated. I received my XXXX XXXX bill and this company processed the payment as a wire transfer. I looked up their payment process and it states on checks/ debit card they might do a wire transfer. So, I tried to help a friend and pay her bill and get charged a wire transfer fee of {$81.00} and interest of {$8.00}. Total of {$90.00}.
Product: Checking or savings account

My husband and I have a joint checking and savings account with PNC Bank. My name is also on my son 's account at the same bank. On XX/XX/XXXX the bank took all the money from my husband and my joint savings account to cover an overdraft in my son 's account. We had no warning this was going to happen, they just took it. When I discovered the situation we contacted the bank and were told they could take the money from our account just because my name was on both accounts. I am not allowed to remove my name from my son 's account either. He lives in California and we live in Maryland. I don't feel they should have been able to take the money from an account that had my husbands name on it as well and not connected to my sons, other than being at the same bank. The bank response was oh well. The amount was significant, {$800.00}. IT completely wiped out our savings account. Why would you continue to cover my sons overcharges, don't pay them!!! Taking the money from our joint account doesn't teach him anything, especially when we have no control over it!
Product: Student loan

I have been calling Mohela since XX/XX/year> for information about income based repayment. Nobody has given me the correct information. Every time I call Im placed on hold for at least XXXX hours at a time. Every so often the voice menu offers a call back, this is not consistent. Almost always the first representative will transfer to an advanced agent. Again Im placed on hold for up to XXXX hours. At XXXX the hold queue ends because Mohela closes for the business day. 

The agent tells me theres an option to request an advanced agent on the initial voice menu. There is none. I have tried every combination of keystrokes available in the voice menu, all them go to an unidentified hold. 

As of right now, even if I call at XXXX right when they open, there is no less than a XXXX hour wait, but Mohela only stays open for XXXX hours a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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 XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Equifax sent a letter stating that an investigation had been completed and the debt had been validated, however Equifax failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Equifax, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX, Account number:XXXX Amount : {$690.00}
Product: Credit card or prepaid card

I applied for a credit card from Bank of America. This situation has happened to me by them once before, so I was more than a little miffed about it happening again. After applying for a credit card, they told me it was under consideration and it may take a few days before telling me of the approval status. As of today ( XX/XX/18 ), I  checked my accounts online through Bank of America, and saw that they opened a new account without giving me any notice at all, and took {$4000.00} of available credit from one of my other credit cards without notifying me, or asking me if I wanted to proceed with that. I did not have a decision at all in this. No call. No conversation. No asking to consider if I wanted to do that. They just did it. I did not apply for credit for them to take credit from one of my other cards. I applied for new credit to add to my existing credit. I have decent credit, and if they don't like it, they can just not approve a new account. This is extremely shady business practice, and can not be tolerated. Who else do they treat like this? And shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance Owed : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX Balance Owed : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
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.

These accounts and Inquiries have 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 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ABLTY RECVRY Account number : XXXX Account name : ABLTY RECVRY Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with my Equifax Credit Report. My credit account data is wrong ; the amounts have not been updated since XX/XX/2019. As a result, my Equifax credit score is much lower than it should be. 

I have been trying to fix this problem for one year. 

PLEASE do not close this complaint until the problem is fixed. A letter stating that it will be fixed is not sufficient. This time they MUST actually fix it.
Product: Credit card or prepaid card

Three fraudulent super checks were written on my Wells Fargo credit card account. I never use those checks and usually throw out any offers I receive. Some how someone internally from Wells Fargo or externally looking through mail or trash, used three separate super checks to max out my credit card. I had not used the account in nearly a year it had no balance. I only use one credit card, from XXXX, but have several I dont use. My credit score was over 780. I have tried to report this fraud for over a week and nothing has been done. They say they need to do a 45 day investigation. They are going to ruin my credit score and I dont even know what the fraud is. Where the checks were used. No one has any answers or any reassurance I will not be made responsible for this fraud.