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

I have made numerous attempts to correct the inaccurate reporting by Wells Fargo. I have filed numerous Direct and In-Direct Disputes. No one is taking the time to review the situation in its entirety to even see the error. Which has caused my credit score to drop 50 points. MAIN ISSUE : Obligor filed Chapter XXXX  bankruptcy on XX/XX/XXXX. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/XXXX. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. As of today, Wells Fargo is reporting 120 days past due on my credit file. How can an account be reported past due 120 days where a lender has already charged off? How can a lender report a charge-off on a person that is not liable for the debt. In XX/XX/XXXX, Wells Fargo reported the account as a charge-off. I disputed and know the account is reporting 120 days. So since the obligor is in bankruptcy and Wells Fargo decided to charge-off, now my credit will reflect an account 120 days due forever????? In addition to being a violation of the FCRA, this is also an Unfair and Deceptive Act and Practice. I am a non-filer and was only suppose to be an authorized user not a co-obligor. From a credit reporting perspective, Wells Fargo is reporting inaccurately. If Wells Fargo made the decision to charge-off, the charge-off can not be reported on the non-filer. The charge-off was not due to non-payment. In addition, as part of the FCRA and Credit Reporting Resource Guide, a data furnisher has a duty to furnish accurate data. Reporting that an account is 120 days past due that was charged off is that Wells Fargo is violating the duties of a furnisher. In this scenario, being that the debt was written off, it is violation of the FCRA for Wells Fargo to report any status a non-filer. I recommend that the CFPB AUDIT WELLS FARGO bankruptcy credit reporting. I'm POSITIVE that there are other impacted accounts. Though I am not an obligor on this account and was only an authorized user, my credit has been damaged. i HAVE FILED OVER 10 DIRECT AND INDIRECT DISPUTES AND ONLY MORE ERRORS HAVE OCCURRED. In addition, Wells Fargo is not reporting the correct Compliance Condition Code. If a Wells Fargo agent is receiving this complaint/dispute, please escalate to the Credit Reporting Subject Matter Experts. If they are unaware of how to report this scenario, please reach out to the Consumer Data Industry Association ( CDIA ) for guidance. Please accept this as my last attempt to reconcile directly with the furnisher. If this inaccurate reporting is not removed from my credit, I will seek legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.
Product: Credit reporting

XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.
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 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 XXXXXXXX the above 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 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 or 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

The following accounts I did not authorize them to be opened, and would like them removed from my Early Warning consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

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
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent mine...please remove.
Product: Vehicle loan or lease

How you all doing my name XXXX XXXX XXXX you all today my application was denied for a auto loan with Capitol one auto finance. 
Thats false and misleading they cant deny me with extensions of my own credit I know XXXX the consumer and the original creditor & trying to extend my credit out to them. 
Credit dont matter the laws matter thats consumer law 15 usc 1611.They giving me false information willingly & Knowingly because its public information if its public information they should know it. 
Also they asked for a downpayment thats openly committing fraud its illegal the finance charge is the sum of all charges downpayment Gap insurance and dealer fees that falls under consumer law 15 usc 1605. 

Can you all please reach back out to me asap The application is with XXXX of XXXX Louisiana XXXX Application number XXXX XXXX on bank XXXX XXXX Ext : XXXX Vehicle Vin : XXXX
Product: Vehicle loan or lease

The FDIC recently forwarded a complaint to the CFPB on my behalf about wrongful billing tactics and harrassment of my current automobile loan. The CFPB did reach to Bridgecrest located in XXXX, Arizona and a manager from Arizona contacted me on XX/XX/2022 and XX/XX/2022. The manager did not allow me adequate time to communicate with her. On XX/XX/2022, two repo men came to my residence to repossess my automobile. 

On XX/XX/2022, my car was wrongfully repossessed by Bridgecrest. The repo men blocked my driveway. The repo men did a breach of peace. Insults were shouted at me by a third man in a white vehicle. The repo men violated privacy laws about my account information ; via communication of my account status to someone in the parking lot. 

I am a United States veteran. The repo men did not notify the police of their activity beforehand. 
The compliance manager from bridgecrust contacted me from arizona XX/XX/XXXX i missed hte call and they left a voicemail. I wasnt ready no answer her questions so i didn't call back. XX/XX/XXXX she called again 3 cars went to my house they blocked my drive way i had to contact the police. They were telling my neighbors and my police how much i need to pay them. They were telling me i need to pay my bill. There were compliance issues there were not proper issues for the account now they performed an audit and i had been asking them to that long time ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Money transfer, virtual currency, or money service

See the attached explanation detail letter of Scam/Fraud happened on XX/XX/year> with Coinbase crypto exchange firm.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Checking or savings account

Bank of America closed my account and so many charges. Was treated poorly.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXXXXXX XXXX  Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY, This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 
Delete ACCOUNT 'S # XXXX and # XXXX
Product: Credit card

I am an XXXX  victim of Identity theft. On XX/XX/23 Citibank card services call center told me all my contact information on the credit card account had been changed and that transactions of {$48000.00} had been put on the card. I confirmed what my contact info should be with the call center and they said my account had been taken over. I reported I made none of the transactions on the card, that they were fraud and the balance should be {$0.00}. She closed the card, ordered a new one and said she would forward our complaint to their fraud department.Their fraud department denied my dispute saying the transactions were made to a 'valid ' XXXX XXXX  XXXX credit card in my name. However, that card was also taken over by fraudsters and was not valid. We explained this to Citi who persists in this explanation. Citi will not explain how they are determining the XXXX XXXX XXXX card is valid. Citi never addresses the fact that their own call center noted the contact information changes and that the Citi account was an account takeover. No matter who they paid because it was taken over, they must acknowledge the transactions were not authorized by me. Further, the XXXX XXXX XXXXXXXX has sent them a letter stating the account they paid was taken over and had many fraudulent transactions on it at the time Citi paid them. XXXX XXXXXXXX XXXX has a check issued to Citi to return the {$44000.00} including check number which Citi has not credited back to my card. Citi is adding late fees, penalties and unauthorized transfer fees to the account, reporting it to the credit bureaus, severely harming my credit score. I ask the Citi card be credited back to the {$0.00} balance it had before the fraud and restore our credit bureau data.
Product: Checking or savings account

On XX/XX/XXXX I called Wells Fargo IRA Customer line and was looking into what was needed to withdraw funds from this account as I was in a situation where I needed the funds as soon as possible. I was told there was a hold on my account and I needed to fill out a CIP form. The rep told me that it would take 2-3 business days, but once I filled out the form and emailed it back to her I should call back to possibly get expedited. I filled out the form and emailed back within three hours. I called the Wells Fargo IRA number back and the rep I spoke to told me that there was no way to expedite and that I needed to wait. Given this was a critical situation I asked to speak with a supervisor to talk to someone with a better understanding. The rep refused to transfer me and told me they would call me back. I still have yet to receive that call. That same day I called my local branch who informed me that there was additional paperwork the initial rep did n't tell me about. So I ended up going in, filling out, and faxing those papers at that branch ( still on Thursday ). I was told at the branch that if I was lucky the documents could be processed on Saturday and to call the Customer service line I had called before. I did this on Saturday XX/XX/XXXX and the rep at that time told me it could take 5-8 business days. At this point I was frustrated at the misinformation from the two reps, but let it slide. I called back on Tuesday XX/XX/XXXX to see if the hold was removed. At this time I was now told that it would take 7-10 business days. My frustration has now reached a tipping point. I keep getting lied to and deceived by this company and nobody seems to give me the same information twice. In a situation that was an emergency this company has continued to give me the run around. I called their complaints department who documented the situation but merely transferred me back to that dept who told me, once again, that a supervisor would call me and that it could take up to 24 hours. Wells Fargo either has inconsistent training or their reps are flat out lying to me and when you are in a situation where you need to know this just does n't cut it.
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, Barclays Bank, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit reports I notices some accounts that did not look familiar and that I was unaware of. I am first asking that you properly verify these accounts and send the original contracts, present signatures, dates, and documentation of when these accounts were opened. I believe that my rights have been violated according to the Fair Credit Reporting Act. because I disputed some of these accounts a while ago and when I pulled my credit recently I noticed that these accounts are still existing. The accounts that are included are the XXXX XXXX XXXX which is child support. It states that this account was opened back in XXXX and XXXX. I am asking for all information on this account that exist on my credit report. I need to know who opened this claim of child support and for what children was this support for. There are three different child support account altogether. Please do a thorough investigation on these accounts in which I am not aware of these currently closed accounts. If no verification can be established I am asking that these closed accounts be deleted permanently from my credit reports.

There are collection accounts that also exist as well. The first account is XXXXXXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX This account is stating that the open date was XXXX. Another account is XXXX XXXXXXXX XXXX XXXX XXXX which the original creditor is XXXX XXXX XXXX XXXX, and last Online Information which XXXX XXXX is the original creditor. I am asking that all contracts and or promissory notes, all documentation pertaining to these accounts that has my personal information attached to it. 

I also noticed that there are inquiries that should not be listed on my credit reports because I did not request any new credit. The inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 

Per the Consumer Law 15 USC Section 1681c <f> Indication of dispute by consumer also there should be a prompt notice of dispute to furnisher of information per Consumer Law 1681i 2 <a> and <b> Provision of other information -that the consumer reporting agency shall promptly provide to the person who provided the information in dispute all revenant information regarding the dispute that is received by the agency from the consumer or reseller after the period referred to in subparagraph <a> and before the end of the period referred to in paragraph 1<a>.

Please update on all credit reports as well that name should be XXXX XXXX XXXX XXXX only Address should reflect as XXXX XXXX XXXX XXXX XXXX XXXX XXXX only there should be no listed employers Again please review and investigate in detail all accounts in question. 

With kind regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, XXXX and Transunion. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries. 


The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes. 

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Product: Checking or savings account

I have multiple transactions I disputed with Wells Fargo and they told me to wait 10 business days. I have waited over that period and the money is still not credited to my account, further they said I withdrew the claim ( I did not ) and that I am unable to open another one until this is processed and they can not give me an estimated timeline. The amount for this claim is {$1000.00}. The claim number is XXXX. 

Further the companies charged me on XX/XX/XXXX and XX/XX/XXXX for over {$700.00}. 

I have a XXXX XXXX XXXX child and this is over {$1700.00} I have been trying to work with Wells Fargo for 2 weeks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX