23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thank you for emailing a copy of your forward to Wells Fargo. Several concerns : FIRST : The email we received from you advising us of sending the same forward to Wells Fargo that we originally sent to The White House. ( going in circles ) From the contents of your email we can only assume nothing was done other than the usual forward to WF. We also assume that The White House sent the complaint to you for proper handling, like assistance right.? Well, we are dizzy of going in circles and tired of no clear assistance, or explanation besides the usual BOILER PLATE enclosures asking Wells Fargo to do what. When we originally wrote to you ( last year? ) we were advised that you were not able to handle this as it was not your place. Obviously this time since you received the complaint from The White House, you did not check our file that was " closed '', but simply forwarded the same to the mortgagee. Please tell us how in the world are you helping people. Just cleaning off your desk through a simple process does not get the results. 

SECOND : As a result of your uneventful process, we received a call from Wells Fargo yesterday, from XXXX, executive offices. Tel. # XXXX. Again, it was targeted towards us, asking for explanations, reasons, It was a call with a purpose to HARRESS us. He would not let me speak, at the same time accusing me of not willing to provide him with information. Character of arrogance, I finally told him It was not my place to answer his questions ( as I do not know what he was after ), just advised him that he should contact you or look through the files they have and find out what this is about. Very unprofessional behaviour, not even giving me his last name. So I said thank you and goodby. Once he reviews the information, he should call and we will be happy to discuss legit. information. 

We would appreciate your response and some insight. Thank you The complaint # wasXXXX
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 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 XXXX business days 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy in demanding the deletion of the accounts listed IMMEDIATE Credit Acceptance
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. I just recently changed my name due to marriage. My maiden name is XXXX XXXX. I just submitted a complaint regarding incorrect information on my credit report due to identity theft. XXXX sent my credit report to my parents home. I don't live there. I don't live at XXXX XXXX XXXX XXXX, GA XXXX. My father called me on Friday telling me that he received my credit report at their home. I disputed that address. Why are you sending my mail to my parents home. I uploaded my drivers license, utility bill, and information stating my new and current address, but they sent information to my parents address. Why? I am not happy with that at all. I will start sending emails to executives and the list that goes on if this does not stop and if they do not correctly address my issues. I spent over an hour on hold with them last week and I did not speak with the correct department at all and nothing was addressed which is why I started this complaint. Now I am submitting another complaint because they sent personal information to the wrong address. There are incorrect items that do not belong to me reporting on my credit report. Which are XXXX XXXX XXXX XXXX has removed this and Equifax has started their investigation. Why hasn't XXXX  and if they have, I would know that if they sent the report to the correct address. XXXX  XXXX XXXX XXXX is still reflecting on my report and again, XXXX is the only agency that has reflected this removed. There are 25 inquiries on my report that I did not initiate nor give anyone permission to run my credit and there is a bankruptcy on here that I never did initiate that hasn't been removed. Again, XXXX has not sent correspondence to my home and as far as I am concerned it doesn't exist until it shows up at the address that is on my Drivers License and utility bill that is attached to this complaint. I have requested that all address be removed from my report outside of my current one. Also, I do not work at XXXX XXXX XXXX and I need that removed from my report. 

Equifax still keeps sending me emails stating that they need supporting documentation. I have sent that and more. I have attached it to this complaint, the one prior, and I have sent it to all major executives in the company. They have it. I need them to do their jobs before they are hit with a civil suit ... .after all it is their fault that I had to have my dl number changed ... due to their breach. Equifax has a fax number that I sent a fax to twice. Both failed stating that the phone line disconnected. It seems to me that they don't want the documentation being sent. I have sent proof. 

XXXX has done great. The only things that haven't been removed are inquiries. I haven 't initiated any of those inquiries that are on my report. I would appreciate those being removed asap. 

All I am asking is for the right thing to be done. I have rights under the FCRA. I will exercise those rights and retain an attorney to do so if I have to.
Product: Debt collection

Midland Debt Collectors have called me from multiple phone numbers multiple times a day. They are looking for someone whose name I don't recognize, it's not me nor is it anyone I've heard of. They won't stop calling. When I tell them I don't know the guy and to stop calling they scream at me. No matter how many numbers I block, they call. Saturdays, early morning. I don't owe any money I'm not paying and I want them to stop bothering me.
Product: Debt collection

Wanted to use XXXX for internet services, but decided not to use them. Never had the service being billed for. The technician came to set up the service but I declined it, he called them and said we did not want the service. But keep sending bills and emails. Called XXXX numerous times to dispute that I was not paying for something that never got hooked up. Then they sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial Equifax credit report showing they deleted the XXXX credit inquiry which is still listed on my Equifax credit report. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent, unauthorized and not my accounts or credit inquiries : 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  The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent XXXX and Equifax the Federal Trade Commission Identity Theft Report along with a police report case number, but XXXX and Equifax continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX XXXX account has been deleted and removed from my XXXX and Equifax report twice, by XXXX XXXX Equifax, but the XXXX XXXX account is back on my XXXX and Equifax credit report. I sent XXXX and Equifax all kinds of documentation proving I am a victim of identity theft, but XXXX and Equifax continues to put fraudulent accounts and the same fraudulent accounts, XXXX and Equifax has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate XXXX, Equifax and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because XXXX, Equifax and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.
Product: Credit reporting or other personal consumer reports

All debts have been discharged with 1099c form, company has committed fraud by release of Incorrect account and personal information adversely affecting credit reports. accounts should reflect a status of " paid in full '' or be removed completely from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party Bureaus of Accounts Management to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and find that there is still a late payment reporting. This is a blatant violation of my consumer rights as I have filed multiple complaints about this. They should not be reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Western Union ( WU ) money transfer services at XXXX, XXXX XXXX XXXX, XXXX, MD XXXX to transfer XXXX XXXX, XXXX XXXX dollars ( {$1200.00} ) to XXXX XXXX, my brother in XXXX. 

Due to XXXX holiday festivities in XXXX ( XXXX ) and local WU agent/vendor systems ' lack of connectivity XXXX couldn't immediately receive the transfer. When businesses reopened on Tuesday XX/XX/XXXX I got a text at about XXXXET from WU that XXXX picked up the money, but the person wasn't my brother so I immediately informed WU that someone else fraudulently received the transfer. WU sent a canned email to wait for a 20-day investigation. 

After 4 weeks I got letter that I won't be reimbursed. A copy of the investigative report which I had asked for copies in my interactions with WU on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wasn't included. It became apparent that WU didn't care- not committed to resolving my case- probably because they have the resources to hire the best PR/legal minds available. 

In frustration due to contemptuous treatment and blatant stonewalling, I emailed WU 's CEO, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX, an Executive Resolutions Specialist replied stating that the case is open. She emailed on XX/XX/XXXX that the money was paid to my brother. I replied/asked for the investigation and on XX/XX/XXXX she stated that she won't release it to me because of consumer privacy issues - but I'm the consumer who lost {$1200.00}. 

She said I share these information with local law enforcement for a subpoena request of their investigation to be sent to : XXXX or mailed to XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Custodian of Records, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX quoting fraud file # : XXXX. 

The XXXX Police Department said they dont have the power to subpoena for information so I contacted the Marylands Department of Labor, Licensing and Regulations ( DLLR ) who subpoenaed WU. DLLR sent me those documents sent by WU, and I respectfully disagree with WU 's conclusion of which DLLR accepted. Based on the documents provided, WU paid the money to someone whose face and signature I don't know. The issue that WU doesn't want to acknowledge is that either hackers or their vendors are sharing money transfer details with others - so scammers took on my brother 's identity and had all the money transfer details to fraudulently claim my money. Unfortunately, I'm not the only one and WU doesn't want to acknowledge that their vendors and/or hackers are stealing customers ' money transfer. 

Please is there anything your office could do to help me recover my {$1200.00}? I'd be eternally grateful for your help I state unequivocally that XXXX and I are the only 2 people who knew about the transaction. I re-affirm that he didn't make the withdrawal - he was nowhere near the place the money was collected. This {$1200.00} is my hard-earned money and WU needs to refund me. It's lapses in their supply-chain that caused this theft. WU reneged on their duty of care and trust
Product: Credit card or prepaid card

Bank of America sent email that I need to unfreeze my credit to get a credit card I did not apply for XXXX time a card was issued for me and my spouse.. 
XXXX  time in 3 months Telephone number on email does not answer My credit is on freeze because of this activity by BOA Bad business practice Bank of America
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX has fraudulently placed an account on my credit report. I never had any contract with this company nor have I given permission to put anything on my credit report.
Product: Debt collection

Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX  stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.
Product: Credit card or prepaid card

I did my banking with Wells Fargo. They approached me about a $ XXXX loan to pay off debt, which I took. Then, I hit a rough patch in steady employment. Later, I found out that Wells Fargo made up their own new rule, and unbeknownst to me, rolled out {$1500.00} as a charge off and took it off the bill ( it was hidden, I was unaware ). Now, years later they are saying I've missed payments on it, but I never saw that in a statement or bill. In fact, after I paid off both the loan and the credit card ( originating with checking/savings account ), I called them up and asked " Where is my pay off letter? '' That's when I found out. They can't sneak out a chunk to continue ruining my credit 4 or 5 years later, can they? 

I consider this predator lending. I do not agree to pay this {$1500.00} whatever fee. When I asked, they confirmed they want to charge me that. I tried calling several times, with the intention of paying a small portion of it, but couldn't get through. 

It was awful - they hounded me during a stressful time when I was job hunting and actually made me miss important calls and leads. Once I paid off both bills, ( {$2000.00}, {$5000.00} at max ), I thought this would be over and just the lates would be on my credit report. 

I don't think what they did / are still doing is ethical, nor do I believe I owe this amount ( otherwise I would have paid it ). I've never heard of this before. It was fancy accounting they were not up front and honest about. Once I learned of this 'bill ', and said predator lending, they sent me a {$50.00} check, but I don't recall ever cashing it. 

When I disputed this via XXXX, my credit score decreased by 16 points, which caused me to fall into a lesser category. This affects a potential mortgage, and I hope to move next year. I'd like them to explain to you and other banks how a secret charge off can get used as a secret weapon to ruin one 's credit and life. It wasn't very nice of them! 

I pay my bills, and would like my credit score to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for my XXXX on a loan. He got into financial trouble. He was embarrassed and did not tell me. 
I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Product: Student loan

Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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

I sent a Bureaus letter last XX/XX/2022, to update the incorrect accounts in my reports which I believe has been taken care of due to the written appeals. However, no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I leased a XXXX XXXX through Kia/Hyundai Financial . All payments throughout the leasing term were made on time. When my lease expired in XX/XX/XXXX, I decided to purchase the car, for the purchase amount of {$16000.00}. I financed the loan through my personal bank, XXXX. XXXX submitted the payoff amount to Kia, in XX/XX/XXXX, and there is record of Kia accepting payment. A couple of months later, Kia placed a derogatory mark on my credit reports, claiming the account as a charge-off. All attempts to fix this with Kia have been unsuccessful. Kia claims they returned the payment back to XXXX, but can not provide any record of the supposed returned payment. It was escalated to several supervisors, who were going to look into it, and get back to me, and I have never received a follow up phone call. In XX/XX/XXXX, the derogatory account was removed from my credit reports. In XX/XX/XXXX, it was put back on by Kia Financial, still claiming the account as a charge off.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Debt collection

Paypal Credit Card and Paypal Smart Connect ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid Paypal online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Product: Credit card

SYNCB/Chevron reports acct # XXXX as a charge off/bad debt on my XXXX and XXXX credit report. I have sent 2 certified letters on XXXX/XXXX/XXXX that was Chevron recieved on XXXX/XXXX/XXXX, requesting a validation of debt. Chevron was unable to provide a validation of debt, bearing my signature sealing a contract between myself and Chevron. However, Chevron marked the debt as in dispute. On XXXX/XXXX/XXXX, I sent another certified letter that was received on XXXX/XXXX/XXXX, requesting again for a validation of debt. Chevron, again failed to provide a validation of debt bearing my signature. I 've asked repeatedly that Chevron remove it 's remark on my credit report but Chevron has failed to do so.