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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

As explained in numerous prior CFPB complaints, a remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for damages caused by unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment in the amount of {$5100.00} which appears to be {$3700.00} plus IRS taxes was supposedly reissued, also sent to old address, not received. This payment was reported to IRS, form 1099 received at current address showing this amount reported to IRS by Wells Fargo, Tax Year : 2020. Wells Fargo reps including a Jae have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature required according to XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a again, a re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, Epiq, requested number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX , neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

They would not allow me to place a freeze on my account. I tried online and by phone. They said I had to send multiple documents. I have a XXXX and can not do this. They were unwilling to allow other ways for me to place a freeze.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$10000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, you must delete any inaccurate accounts from my credit report. Could you verify the documents? Some accounts have been misreported, including incorrect amounts and dates.
Product: Debt collection

I am disputing an account from XXXX XXXX XXXX that is incorrectly appearing on my credit report. This account was charged off and sold to another company, yet XXXX XXXX XXXX is still reporting it with a {$0.00} balance and a " Transferred '' status. 

Key Details : Account Opened : XX/XX/XXXX Term : XXXX  months Last Reported Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Balance : {$0.00} Status : Charged Off, Transferred Late Payments Reported : XXXX times Issues with the Reporting : The Debt Was Sold and Should Not Be Reported by XXXX XXXX XXXX Since the debt was sold to another company, XXXX  XXXX XXXX no longer owns it and should not be reporting it on my credit report. 
The Fair Credit Reporting Act ( FCRA ) states that credit reports must be accurate. A charged-off and transferred account should not remain open or affect my credit. 
Charge-Off Status is Negatively Impacting My Credit The charge-off is still impacting my credit score, even though the account has been closed and sold.

If the debt was transferred, XXXX  XXXX XXXX should have removed this account rather than continuing to report a charge-off. 
Late Payments Should Not Be Reported After Transfer The account was closed on XX/XX/XXXX, but the credit report still reflects XXXX late payments. 
A transferred account should not continue to report derogatory marks from the previous creditor after the debt was sold.
Product: Credit card or prepaid card

I applied for a Citibank American Airlines Card back in XX/XX/2018 the promotion was XXXX points for spending XXXX for the first 3 months. I have spoken to citibank multiple times and they tell me it I had to spend {$4000.00}. I read the offer at least 20 times, If i had to spend XXXX I would have just spent XXXX. they asked me to look for my offer but mysteriously the email has dissapeared, also I didnt keep any of the paperwork that came with my offer, why would I need to?? i would assume they would just honor their offer. At this point I'm actually pretty XXXX with the experience. I want my miles.
Product: Other financial service

I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to have Equifax investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.
Product: Student loan

Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.
Product: Checking or savings account

Ally Bank arbitrarily FROZE my account on Friday afternoon XXXX XXXX with no warning or explanation. I called and the fraud detection department personnel gave me no information. I have called daily since it was frozen. Finally investigator XXXX, as no one gives last names, told me it was about a wire recall. The sender said he did not recall the wire and he said he called his bank, XXXX and they did not recall it but Ally is saying they did. So I authorized them to just return the wire funds and open my account. Still a week later after the wire was returned and nothing. They give you no explanation and tell you it takes as long as it takes to investigate the account. First it was 3 days then it was up to 30 days then it was 30 days or longer now it Takes as Long as it Takes. These are the answers I have gotten. 

Meanwhile all my money is locked up and my bills have bounced, my credit has tanked, and I have had accounts closed for non payment. I even had one of their agents LAUGH at my distress on the phone. He thought it was so funny. I am angry that they can lock me out of my account with no warning and No preparation. Angry that it has been almost 3 weeks. Who can go 3 weeks with No funds? I have opened a local account so that I can go and speak to a person when I have an issue. I chose Ally for convenience and that has bit me in the XXXX. I highly recommend NO ONE USE ALLY BANK!!
Product: Credit reporting or other personal consumer reports

credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX-XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I am submitting this formal complaint against Columbia Debt Recovery LLC DBA Genesis regarding a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). 

According to the collection agencys letter dated XXXX XXXX XXXX, a debt owed to XXXX XXXX was placed in collections on XXXX XXXX XXXX However, I did not receive any notification of this debt until XX/XX/XXXX, XXXX XXXX months later. The FDCPA requires that a debt collector send a written notice within XXXX days of their initial communication about the debt. 

I believe this delay is a violation of federal law and has caused unnecessary stress and confusion. I am requesting your office to investigate this matter and ensure the agencys compliance with all consumer protection laws. Enclosed, I have included : XXXX. A copy of the collection agencys letter dated XXXX XXXX XXXX 
XXXX. Details regarding the delayed notification timeline. 

I would appreciate any assistance your office can provide in addressing this issue. Please feel free to contact me at the information provided below for any further details. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

My name, address, as well as my place of employment is incorrect on my consumer report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation taking more than 30days on account that are not mine
Product: Credit reporting or other personal consumer reports

I disputed a collection account from XXXX XXXX XXXX with Experian because the debt collector failed to provide proper validation upon request. I sent a validation request to XXXX XXXX XXXX on XX/XX/XXXX and to XXXX XXXX XXXX XXXX on XX/XX/XXXX. Neither company provided the required documentation, such as a signed agreement or detailed account history proving ownership of the debt. Despite this, Experian refused to remove the account and only updated the status instead of deleting it. The Fair Credit Reporting Act ( FCRA ) requires that unverified debts be removed from my credit report. I am requesting that Experian delete this account immediately.
Product: Credit card or prepaid card

A credit card was opened in my name in XXXX  for target tdbank. I have emailed, called and written letters they refuse to remove from my credit. A XXXX card was also opened in my name but XXXX removes it. Target only closed the account but will not remove it. They have no proof that I opened the card. I have never used it or made an payment towards it. It was opened with the wrong birthday
Product: Money transfer, virtual currency, or money service

: Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Vehicle loan or lease

Payments are showing as missing when the amounts were paid in full for the months, also why is the balance amount not going down after making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX  XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX fraudulently report XXXX, XXXX, TransUnion and NYS Attorney General. XXXX, XXXX and TransUnion continue the fraud. Please refer to attachment.
Product: Mortgage

This complaint is in regards to Mr. Cooper mortgage company previously known as Nationstar. 
I cosign the loan for my daughter which is why I was also responsible for the payments. My husband passed away and my daughter divorced which made it difficult for us to pay the loan for the house. Several times we attempted to negotiate a sale for the house and when we asked for the final pay off the mortgage company would take their time and prolong the pay off into the next month. This added additional costs and we would lose our buyers. This happened three times. Recently we asked for a payoff and it was good until XXXX XXXX of XXXX. We closed on the house on XXXX XXXX of XXXX. The title company dispersed the amount requested by Mr. Cooper on XXXX XXXX, XXXX. And employee at Mr. Cooper signed for the registered letter on XXXX XXXX, XXXX. To my knowledge everything was paid and I no longer had to deal with the mortgage company. On XXXX XXXX I received a call from Mr. Cooper and was told that the amount for the payoff was not enough and that on XXXX XXXX, XXXX Mr. Cooper had added on more interest and that I owed another {$330.00}. And since it was XXXX XXXX it was already past due and I would have to get a new pay off and that would take us into XXXX XXXX where I would end up paying thousands of dollars more. I immediately paid the {$330.00} to stop further assessments. I contacted the title company and was told that they should not be allowed to add on any more money since we paid it off in full as they requested. When I called the mortgage company back to let them know they proceeded to tell me that I owed more than {$330.00} and that there was another XXXX dollars due to pay. I sent them the return receipt and a copy of the payoff that I had. Today On XXXX XXXX I was told that because I paid the XXXX that the loan was paid in full. And I did n't know the extra money.
Product: Debt collection

CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # XXXX
Product: Debt collection

Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after installing the CreditKarma XXXX, I received a welcome email, which I may/may not have clicked on. Since, and in attempts to find cheaper auto insurance via their " offers '', I did choose to go with XXXX XXXX XXXX. No problems with that, as of yet. ( I DO have MAJOR problems with XXXX though ). Recently, I also received both email and XXXX notifications about their XXXX  XXXX, which seemed like a good idea to rectify legitimate outstanding claims using a pre loaded card. 
Then, the problems started while applying, with the XXXX, that it repeatedly cited my phone number was recognized and validated upon registration ... .. but the device was not. It prompted for the phone number to text a code to ( which sounded odd, having said the number was validated ). Time after time a text never came. Using the web based " chat '', that initiated a call to my phone. The person was female, loud room, sounded XXXX, which also yielded zero results so I asked for her supervisor. She cited the problem was with my phone and to check with my provider. Eventually, after pressing why a simple task was an issue, she said they used another 3rd party which " handles the phone numbers ''. She said a supervisor was not present, and one would be calling in 24 hours. 
Since, I have received multiple phishing emails and phone calls. 
Phone call from : XXXX and XXXX Emails from XXXX XXXX and XXXX The same day, I applied for XXXX 's Card. Exact same problem again with the phone number from both the XXXX and website. Exact same sequence of events and likeliness. I have been with XXXX for 17 years. I still use a XXXX key fob that is impossible to duplicate from their XXXX XXXX days. 
Phone calls from : XXXX XXXX This also seems to happen a lot on both XXXX and XXXX if a low/negative review is posted .... or if no review at all.
Product: Debt collection

I reviewed my credit report and noticed the collections account for Sunrise XXXX Services for an old XXXX account I had closed when I moved. I paid it off, either to XXXX directly or through Sunrise. This note is even in the file for the account. I spoke to a representative at Sunrise and she couldnt find me in their system, therefore I would like the entire account deleted from my report. Please let me know what I need to do for this to happen and happen quickly.
Product: Credit reporting

I would like to dispute ( AGAIN ) Portfolio Recovery Associates , LLC for the matter of {$420.00}, Original XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XX/XX/2015 to my credit report. Please correctly update you credit files and DELETE this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account XXXX times since XXXX and NOTHING has been done to correctly remove it from my name yet. It was scheduled for deletion, according to this letter, in XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute the inclusion of a credit account associated with XXXX XXXX  ACCOUNT # : XXXX on my credit report. I was only an authorized user on this account it doesn't belong to me. I did not provide consent for its reporting, as stipulated by 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I request the immediate removal of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness and preventing me from pursuing financial opportunities such as securing a new car, obtaining a loan, or purchasing a home. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of this investigation. 


Sincerely, XXXX XXXX