23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm filing this complaint against Wells Fargo because Wells Fargo has not only failed to prove that I'm responsible for the charges but refuse to speak to me on the phone regarding the matter. I have called several times and I was recently reported to XXXX XXXX by Wells Fargo and that is completely unacceptable. What I do know is I lost my card, or it was taken. I do know that due to my memory issues I am known and prone to leaving things around and I do not know of a person who would take from me, so this had to be a stranger. Wells Fargo has been on my side before and is a reputable company, BUT in this matter, I find myself on the short end of the stick and that is not going to work from a consumer stance. Per Federal Regulation E and the Federal Reserve, each claim is to be investigated thoroughly and I'm formally through this complaint requesting in writing PROOF that I was the party who used the card and authorized the charge. The charge of {$1900.00} for claim # XXXX was not completed or authorized by me at all. 

I've called and requested the copies of the documents used in making their decision and reps hang up on me, leave me on hold and are not open to assist. XX/XX/19 I mailed a letter requesting the documents and requested for the claim to be reopened and the charge to be redisputed. The lack of communication has been XXXX and has caused me much XXXX and only fuel my poor XXXX health. Wells Fargo closed my account and essentially blamed me for someone taking advantage of me and taking my funds. I need Wells Fargo to look into this matter ASAP!
Product: Debt collection

This organization is reporting XXXX accounts that I do not have knowledge of incorrectly, thus causing damage to my consumer credit report. I have not been provided verification of the accounts despite my numerous written requests. I believe my entitlements under the FCRA have been violated. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Several accounts were opened as an act of fraud either by an ex significant other who managed our finances or by an individual in my area using my identity, or both. A significant possibly of confused identity also exists. I can only speculate what has occurred. 

Some accounts were managed for a long period of time, as if they were an extension of someone 's credit - thus suggesting an ex significant other. However, other accounts follow a pattern of being opened, quickly used, never paid on and subsequently charged off - thus suggesting a unknown fraudster. Other accounts seem strange and unrelated completely - perhaps a case of confused identity. I can only speculate on what has occurred. 

Regardless of the case, I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this fraud. I do not know of the accounts in this office and had they contacted me or verified the items as I requested countless times, we likely could have reached a resolution. 

I listed the accounts on a notarized Federal Trade Commission Identity Theft Victim Complaint and Affidavit to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN NEED YOUR HELP!! MY CREDIT IS RUINED AND MY SMALL BUSINESS IS AT RISK OF CLOSING! A negative report has caused my credit score to drop over XXXX points from EXCELLENT to FAIR and caused me to be denied credit and lines of credit closed!!!! On XX/XX/2022 I got an alert from several credit monitoring companies that I had a charge off posted to my personal credit and it would have a negative impact on my credit. I reviewed my credit report and it showed a {$72.00} charge off from XXXX XXXX XXXX. I went into a XXXX branch and they gave me the number to the team at XXXX who handles the credit reporting. Upon calling, they informed me that the charge off should not have been posted to my credit because on XX/XX/2022 I had gone into a branch to sign the papers to have my name removed as joint signer on a checking account. The checking account was charged off on XX/XX/2022 and it should not have posted to my credit. XXXX informed me that I needed to file a dispute with the credit bureaus and they would validate that the information should be deleted from my file. I did that and Experian updated and closed the dispute on XX/XX/XXXX stating that XXXX validated the account as accurate and it would not be removed, this caused a ripple effect to the other credit bureaus to close their disputes as accurate. I called XXXX back and they assured me that they had not sent an answer to any of the bureaus to confirm or deny the validity of the account. I had to open another dispute with Experian, XXXX and XXXX to start the process ALL OVER AGAIN. I spoke with Experian again on XXXX and they informed me that it was validated with the creditor and that because the first dispute was " worded incorrectly '' that it would not have been removed from my report anyway... even though one of XXXX representatives is the one who opened the first dispute on my behalf. I was told that I would have to wait ANOTHER 30 DAYS for them to investigate. They could not assure me that the wording on this second dispute would not result in the same issue and cause me to have go throught this tiring process again. This inaccurate negative positing has caused COMPLETE DEVASTATION to not only my personal but to my small business, I have been denied credit because of this as well as had credit limit decrease that I rely on to run my small business. I need my lines of credit and credit cards!!! I NEED YOUR HELP TO FIX THIS AND TO KEEP THIS FROM HAPPENING TO OTHER CONSUMERS!! We are at the mercy of the persons pushing the buttons! You need to hear the voices of the consumer, not only in complaints but in your board rooms when you are making these rules. It is not in the favor of the consumer at all. You have given all the power to the creditor and the credit reporting agencies, and they know this and they prey on us! Experian would not even give me The telephone number to the CFPB, the rep told me I had to XXXX IT TO FIND IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported an old closed account as a collection. When I submitted the dispute ; not only did they not look into the original issue, they made the collection a recent account and is now on my credit report for an additional 7 years. When I resubmitted the dispute they still did not take any action and when I called in several times to get a investigation report on how this decision was made, I was hung up on every time. I would like to process this complaint against experian to the fullest extent on the law. Also, beside Experian.. I also contacted the issuer of the loan. And they did not provide history of my loan, but just sent me a letter saying I needed to take it up with the credit reporting agency. Bottom line : this is an OLD debt. That was doubled on my credit report history after my dispute. This was paid years ago and it is now showing as a recent collection which is causing me a lot of problems. Every other agency has report this accurately but Experian refuses to resolve this matter.
Product: Debt collection

XXXX XXXX XXXX has reported a collections of {$1300.00} to my credit. XXXX XXXX bought this from XXXX. While I was working to pay XXXX, XXXX XXXX listed this without my knowledge on my credit report. I contacted XXXX XXXX in XX/XX/XXXX for validation of debt and was told one was sent. I have emailed them  twice in XX/XX/XXXX for debt validation to resolve this. I have not received an answer or letter yet. When i call they are closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX, I had voluntarily returned a new car. It was for a XXXX XXXX XXXX. I did in fact default on the loan due to my inability to pay the loan while pursuing my childhood dream occupation. This is my fault, I admit the fault and want to correct it. The remaining after the auction of the vehicle that was due and went to collection was {$2700.00}. 

In XXXX of XXXX after regaining financial stability and after spending and working 3 years outside of the country I attempted to repay the debt. I was told " you have exceeded the 999 days, the amount is DEBT LOSS and you will not be able to repay the remainder of what you owe. '' How is it that we live in the United States of America, the greatest country on earth albeit not perfect but a place that enables ALL people to build a life free from former discretion or social statuses and even from departing other countries. 

I want to correct my debt and pay what I owe? But I can not pay Wells Fargo XXXX, I feel as if this is unfair and violates my constitutional freedoms because I can not correct my debt and free myself from a credit system enslavement. 

I have called and tried to pay this account on numerous occasions but Wells Fargo will not accept my money. A bank that will not accept a hard working American 's money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my credit score and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX  = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX. Firstmark sent me forms to complete. During this time, my account was in administrative forbearance. However, Firstmark XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When Firstmark was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX  XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15U.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 INSTRUCTION
Product: Credit reporting or other personal consumer reports

I have been experiencing Identity Theft since XX/XX/XXXX. Chase has placed a Fraudulent Credit Inquiry on my XXXX Credit File. This was placed on my file on XX/XX/XXXX. Chase is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX continue to violate federal consumer protection laws. You are required to do a reasonable investigation. I continually ask for the proof they have completed such investigation to validate the account listed as XXXX XXXX. They instead keep sending the same generic response with no evidence to support their claim. It is my belief they both are violating the law by not doing an investigation at all or my simple request for proof of such verification done should be honored. Since they have had 2 separate occasions to provide me with documentation for their claims this is my final and last attempt. If you do not have the paperwork to back up your claims then I kindly request you delete this collection or please go ahead and pay the arbitration cost as outlined in your service agreement so I may pursue my claims and recover damages you are causing me.
Product: Debt collection

Midland Credit Management INC. Has cease to provide everything I attached in my letter. 

Please provide this information that I am seeking, instead of he say she say.. 

-Proof of the original contract bearing my personal signature : -Proof that I entered into a contract with Midland Credit Management INC -Pay Of Disclosure : -Interest Rate Disclosure : -Balance History : -Payment History : -Credit Insurance : If you can not provide these simple documents, it is a XXXX violation, accroding to {$800.00}. Validation of debts XXXX XXXX. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

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

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


XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX  - has violated my rights UNAUTHORIZED INQUIRY : XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.com
Product: Credit reporting or other personal consumer reports

Complaint number XXXX that I filed with Experian back in XXXX has still not been resolved as of XX/XX/scrub>XXXX XXXX I am asking Experian to immediately resolve this complaint filed back in XXXX. Its obviously been well over 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB- XXXX XXXX Full address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida XXXX Full social- XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXXXXXX. XXXX fraudulent account XXXXXXXX XXXX XXXX XXXXXXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$41000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$7400.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability on obtain credit.