23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of Experian to get in touch with FTC.GOV that transferred me here. I have also sent to Exprerian, XXXX and XXXX copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX XXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Fraudulent Accounts ; 1 XXXX  XXXX XXXX XXXX  Account # ; XXXX 2 ) XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX 3 ) XXXX  Account # ; XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX XXXX 5 ) XXXX XXXX XXXX Account XXXX XXXX XXXX 6 ) XXXX XXXX Acount # ; XXXX 7 ) XXXX XXXX XXXX XXXX Account # ; XXXX 8 ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX 9 ) XXXX XXXXXXXX Account # XXXX XXXX 10 ) XXXX Account # ; XXXX
Product: Credit card or prepaid card

I paid my XXXXXXXX XXXX XXXX credit card with XXXX XXXX balance in full and on the due date. I never looked at my account since I owed nothing. Apparently this company went ahead and charged me a late fee anyway. When I realized that they had done this I immediately contacted them and disputed the late fee. They gave me credit for the late fee but continued to charge me late fees for not paying the disputed late fee. I contacted them and told them that the balance was paid in full on the due date and I was not paying the false late fees. I also asked that my account be closed. They have continued to harass me via email, mail and phone and I have repeatedly asked that they stop all communication. I try to block the number but they just call from another number or occasionally call from a number that is identified only as unknown. Just yesterday ( XX/XX/18 ) a Mr. XXXX or Mr. XXXX left me a very threatening voicemail at my home. I want this company to stop harassing me over money that I do not owe them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which appear to have resulted from a data breach, fraud, or unauthorized activity. I also request verifiable proof of these actions, including documentation with my signature or electronic signature. This letter is being sent by me directly, not by a third party, so please review it carefully. I did not authorize any of these actions, which violate my rights under the Fair Credit Reporting Act, particularly Section 605B, which addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604, which outlines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. After contacting the relevant companies, I found that these actions were initiated without adequate validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they are incorrect and should be considered the result of a data breach or unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Mortgage

Wells Fargo essentially stole our home, they charged us so many unnecessary fees and raised our mortgage by XXXX dollars a month. Once my sons were able to pay off the due amount Wells Fargo rejected that and the rep told us they are going to take our home and sell it. We had no choice. I wanted to sue however I did not have the funds. Wells Fargo scammed me and my children out of the home we owned for 20 years. It was so sad and I still till this day can not believe they wouldnt take my payments or money and just wanted my home
Product: Debt collection

Debt was removed by XXXX  and XXXX  after being disputed but transunion wont remove debt or provide verification that the debt is indeed mine. Collection from XXXX XXXX wont leave my account after asking for proof of verification that the debt is mine from a signed contract proving that it is mine.
Product: Credit reporting or other personal consumer reports

After checking my credit report I see that XXXX XXXX opened on XX/XX/2023 is still being reported fraudulently without my consent.Someone must have used my information to open up the account and communicate with the company but it was not me. No product good service or money was ever received from this supposed transaction. Please note the email, address and phone number on file does not correspond with my actual email, address and phone number which is XXXX Phone number XXXX identity has been stolen and used due to identity theft data breaches and lost/stolen ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 opening account with XXXX  XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Product: Credit card

On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : 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

I opened Wells Fargo Everyday Checking account on XXXX XX/XX/2019. The account was having the promotion ( attached ) that within 120 days : 1. If i had a cumulative direct deposit of {$3000.00} then i will get {$400.00} cash back reward. 
2. Open with {$25.00} balance 3. Open account online.

For last 3 months I got {$1000.00} direct deposit. When i inquired about {$400.00} cash back reward, Wells Fargo is giving me hard time and coming up with new excuses for not giving me {$400.00} cash back bonus.

I reached out to them via secure email ( attached ) It seems even after scam of fake account opening, some way or the other Wells Fargo want us to open the account.
Product: Bank account or service

Banamex USA involuntarily closed my account. I have been awaiting to receive the balance of my account for more than XXXX days. Although I am informed that a check was mailed to me, I have not received it. Now I am informed that I need to request a replacement check which will not be issued for another XXXX days.
Product: Credit reporting or other personal consumer reports

Information on my credit report continues to report inaccurate after I requested an investigation. Under the FDCPA you can not report inaccurate information. This is causing me daily stress and frustration. I can not get approved because of this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft. I recently checked my credit and noticed that fraudulent accounts, inquiries and personal information has been placed in my consumer report. I have included a FTC report stating all the fraudulent information I have been able to find so far including Inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance
Product: Mortgage

My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Debt final rule 1002.142 ( B ) ( 4 ) -5- -1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605 c of the fair credit reporting act. i am victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information transunion .please delete the following account and balance of XXXX XXXX on XXXX account number XXXX with the balances of XXXX along with XXXX  open XXXX balance XXXX account number XXXX, XXXX XXXX XXXX account number XXXX XXXX, XXXX  account number XXXX balances XXXX open XXXX, XXXX account number XXXX open XXXX balances XXXX,
Product: Credit card or prepaid card

In XXXX I finally received my card from edd and bank of America. The employment benefits had gone all the way back to XXXX when I had lost my job cleaning houses and visits with my newborn daughter due to Corona Virus. I was in the middle of going to court and was bouncing around homeless cause of my family 's homes being burned in the XXXX in 2018 and then my husband leaving me stranded and pregnant with my daughter. Whom I delivered on My birthday and Thanksgiving day. My friend told me about the unemployment benefits cause she knew I had been struggling and didn't even have a car. I signed up and then was sent a card and there were XXXX on it. I spent XXXX on a car and different household items for a house I was renting a room from. I bought insurance for the car for a year and then I was debating on an attorney or a place of my own to live with my newborn. However, there was the bear fire and we were evacuated from the house I was living in. I had found an attorney to stop the termination of my rights and right when I went to pay her the account was frozen or they say closed to verify my identity. I don't know if it was because I changed my address or cause I did a XXXX XXXX to myself to get more money off the card than it was allowing me to withdrawal cause I was trying to pay off some debts and get people out of my hair. That was in XXXX. Meanwhile, I finally get told I need to send proof of my i.d . I send my bank statement and my driver 's license. Which come to find out they didn't think was good enough. I had to drive to go get my birth certificate because everything burned in the fire. I get that and send that and driver 's license and that was in XXXX early XXXX. Then they say I have to file an appeal with unemployment. I finally get the paperwork for that in XXXX and send it back than I get a letter from unemployment stating I had withdrawal for child support and a XXXX $ check. I am thinking the bank should release my card now. I have been shuffled back and forth on hold. The end has stated they have released my card multiple times and the bank says they have to have a check sent to me when my card is sitting there with almost 10,000 cause funds were still going into it. If EDD had my card then how were funds still going into it!? Now it is XXXX I have lost my parental rights to my newborn and am staying with my friend in redding and have all the documents. I have even gone to the bank of America bank in XXXX in person to show them my documents to just be told to get a hold of edd. Edd is not the problem it is the bank but how do I prove to them I am who I am to release that money? This is ridiculous and so unfair.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed several inaccuracies including an unauthorized account reporting to my TransUnion credit report. This negative account has been detrimental to my life & overall credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$350.00} ; XXXX  XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX
Product: Checking or savings account

Wednesday XX/XX/07 around XXXX I tried depositing {$3900.00} the machine took a minute and displayed only XXXX! So I obviously cancel the transaction and sure enough only XXXX is returned from the atm. So I re insert the XXXX and it again display XXXX for the deposit amount which this time was obviously correct, anyways I go ahead and deposit that {$50.00} to see if the receipt would have record of my extra {$3800.00} and sure enough there is no record of it. I immediately called as soon as I was back home and opened a case. Fast forward my account is being closed and my claim was denied and the representative I was on the phone with said the reason the claim was closed and denied was customer liable Literally only two words. How am I liable for there atm malfunctioning? Its unfair my account was closed and Ive been givin the run around. *PS they never responded to my claim saying no overage was found ( because I know The atm ate {$3800.00} and never credited me. ) Instead like I mentioned they denied the claim with customer liable which Isnt acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, XXXX, Trans Union and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX
Product: Checking or savings account

XXXX XXXX charging me for XXXX XX/XX/2022 in addition to XXXX charges, I did not authorize XXXX to charge me. I was double billed XXXX, XXXX, XXXX, XXXX, XXXX, for which XXXX refunded only XXXX and XX/XX/XXXX.I have requested multiple times refunds for those months of XXXX XXXX XXXX, with XXXX denial per their terms and conditions. I maintain my consumer rights have been violated.
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. 
XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.