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

It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX XXXX  XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX , do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from Lendmark Financial Services alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest Lendmark branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by Lendmark Financial Services. The Lender was XXXX and the source was XXXX. I contacted the Lendmark branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that Lendmark uses XXXX. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from Lendmark 's security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against Lendmark Financial Services for breach of personal information. That complaint filed before the CFPB was in XXXX  ( XXXX ). At that time personnel from the XXXX, MD branch of Lendmark disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by Lendmark through XXXX and if it was an attempt to disclose personal information to a third party or if a third party utilized Lendmark in order to obtain my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( XXXX, Equifax, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Equifax was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Equifax a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information they obtained was wrong. I have yet to hear from Equifax. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Equifax.
Product: Credit reporting

I have an initial fraud alert on my credit report with Experian. I was notified on XXXX separate occasions that my credit report was pulled. I was contacted by XXXX creditor XXXX and i advised i did n't take any action to initiate the credit report inquiry. No fraudulent accounts were opened however I have been left with inquiries I didnt initiate. XXXX creditors XXXX and XXXX stated they would be removed but Experian keeps sending me updated reports saying inquiries are a matter of record and they will remain.
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect name on my credit report. The credit report is showing " XXXX XXXX ''. But my only name is XXXX XXXX. Credit reporting agencies have a duty to report only accurate information. Otherwise it violates my consumer rights.
Product: Debt collection

Towards the end of XXXX I received a debt collection notification from discover with an amount which I believe to be inaccurate. I sent them XXXX separate validation requests and they just sent me statements. I believe this amountt to be inaccurate because they took tax benefits when they charged off the account and they received profits when they sold the securities on the back end. The didn't provide that accounting and have been reporting it to the credit bureaus. The have violated the FCRA and the FDCPA by not validating the debt and not providing accurate information. They also have yet to cease collections and delete the account
Product: Credit card or prepaid card

I have a account with grain technology that I continuously have issues with. I have been trying to get my counts paid and resolved since XXXX of this year. I can not get in contact with a representative via phone or do they respond to numerous emails I have been sending them. I even took the measures of trying to contact this creditor via social media. I have get maybe XXXX responses a month after my email if not longer. I finally got a representative to respond with a payment invoice which did not work. This account has now been closed since of XX/XX/XXXX. This company has been racking up interest and fees and tearing my credit apart when all Im trying to do is assess my account and pay my debt. I have not been able to get a line of credit with my own job because of this one creditor I have not been able to get a vehicle for my family because its one creditor. I have delinquencys and now the account has been closed and charged off and yet I still can I cant say great technology. I have been fighting with the credit bureaus about this I just dont know what to do anymore and Im pretty sure this is not legal. Can someone please contact me back with the next step is that I should take or point me in the next direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX. Roundpoint did not send the bill to the new address, and I had turned autopay off on Roundpoint Mortgage because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. RoundPoint Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. Roundpoint Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX regarding them reporting repeated charges- off on my credit report and they have replied stating that they sold the account to XXXX XXXX XXXX and by the FCRA they are not in the wrong by reporting the repeated charge-off each month and they will not change anything. 

To my understanding, according to the FCRA, these laws should be applied to this company as well as the credit bureaus that are reporting this inaccurate information Key Legal Citations in This Dispute Letter : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Requires furnishers of credit information to report accurate information. 
15 U.S.C. 1681e ( b ) : Mandates credit reporting agencies ensure maximum possible accuracy.

15 U.S.C. 1681c : Limits the duration that negative information can remain on a credit report ( 7 years for most items ).

15 U.S.C. 1681i : Requires credit reporting agencies to investigate disputes and correct inaccuracies.

15 U.S.C. 1681n : Allows for statutory damages if the FCRA is willfully violated.

26 U.S.C. 6050P : Governs the reporting of debt cancellations to the IRS.

15 U.S.C. 6802 : Protects the privacy of consumer financial information and governs its sharing with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now filed multiple disputes with Experian, and XXXX that are reporting XXXX XXXX as an account that I had open. I had identity theft and the account was the result of identity theft. 

Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof if 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 information relating to any transaction by the consumer. 

I have supplied XXXX and Experian with the police repot, FTC report ( identity theft report ) proof of identity, identification of the account and a statement. Experian and XXXX have refused to block this information saying that it does not meet their criteria for block, but this is against the law and my rights as a consumer under Fair Credit Reporting Act Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 

15 USC 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts.
Product: Mortgage

ASC/Wells Fargo, kept part of my escrow monies, when it sold or transfer my mortgage to XXXX. The new lender wants to increase my monthly payment, because it claims that I do have a escrow shortage.
Product: Credit reporting or other personal consumer reports

I called the creditor ( XXXX ) about false reporting late payment on XX/XX/2023. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account [ XXXX XXXX XXXX XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX we tricked in refinancing our mortgage muly mother and father are foreign so they barely understood the terms that the wachovia rep was telling them.they said if we had refinanced with wachovia which is now well fargo we would get {$27000.00} check.so my father decided to refinanced with wachovia because we needed money at that time to do some renovations through the house. One month later when i called XXXX XXXX XXXX or who over got my father to sign those papers said that we would get NOTHING IN RETURN.WE ALL SAT THERE SO SHOCKED AND DISBELIEF THAT WE WERE TRICK IN SIGNING OVER TO WACHOVIA TO GET XXXX FOR NOTHING WE WAS PROMISED THAT WE WOULD. Ok now we sign in not knowing it was an adjustable rate mortgage now ANOTHER PROBLEM. Now we heading to foreclosure around XXXX and i just started college and i had to look for an foreclosure agency to help us ..oooo the XXXX had just begin from always missing document and they never recieved thos and that.so now after a year we got a modification but now switch to well fargo so we thought this would be goood EXCEPT ITS AS IF WE JUST PURCHASE THE HOUSE BRAND NEW WE HAVE BEEN LIVING IN THAT HOUSE 16 YEARS AT THAT TIME BASICALLY WE GOT RIPPED OFF.NOW NOT ONLY WE PAYING AS IF WE BOUGHT THE HOUSE OUR MORTGAGE PAY OFF IS XXXX WHICH DOES NOT MAKE SENSE IF WE REFINANCE A 30 YEAR MORTGAGE IT SHOULD BE XXXX IF ITS STARTING IN XXXX BUT THEY PUT XXXX XXXX FAIRLY CONFUSED WHY IS IT XXXX IF ITS 30 YEARS PLEASE HELPPPPPPPPP BECAUSE WE ARE DEFINITELY GETTING RIPPPED OFF BY WELL FARGO BIG TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to XXXX XXXX XXXX  in Downtown XXXX XXXX to start an application to refinance my home. After reviewing my credit I was denied immediately because of negative information on my credit. I did not apply or ever authorize any of these accounts to be opened under my name. I have never received or used any of these credit cards. I have never bought a vehicle from XXXX.
Product: Credit card

I now live in XXXX XXXX and my CapitalOne Visa card was hacked and someone tried using it to pay a {$4500.00} Alimoney payment in XXXX, FL. CapitalOne caught this and corrected the issue. That I appreciate immensly. 
My complaint is that they have restricted the account since then and I can not get my XXXX reward points. Also I had since returned a {$59.00} item to an 'online ' company and they credited the card they had on file, which is the CapitalOne Visa. CapitalOne was more than happy to take that money ( Litterally - keep reading ) I have called and talked to Capital one until I am " Blue-in-the-face ''!! The only thing they will do is:1 ) If I provide a current Utility Bill from my " address on file '' with them, then they can reinstate the card. ( Problem with that is the 'address on file ' is a " Mail Forwarding XXXX XXXX '' in XXXX ) { and I have been living in XXXX XXXX for a year and a half now } Or ; 2 ) I can go into a branch office ( in the States ) and get it reinstated. I currently have no plans of going back to the States and I am not paying for a 'round-trip ' Airline ticket, Hotel room, Rental car, and Restaraunts, to reinstate a credit card. Particularly when I have others. 
I am not really interested or complaining to get the card reinstated. I just want my reward points and the {$59.00} returned item purchase price ( which last month they wrote it off the books as a " Fraud Activity '' ) They can credit it to XXXX of the other XXXX accounts I have with CapitalOne.. 
The XXXX reward points would more than half pay for the Airline tickets I just bought my sisters, so the could come to XXXX XXXX for a visit. 
Can you help?
Product: Checking or savings account

XXXXXXXX  I notified Wells Fargo that a check for the amount of {$260.00} was cashed by an imposter at one of their branches. I sent in all documents ( affidavit, drivers license ) that I did not open the account to Wells Fargo Bank. Well Fargo has denied my claim twice, saying I went in and opened and account and deposited that money {$260.00} and also closed the account. I have found out that Wells Fargo sent a denial letter to the imposter back on XX/XX/XXXX  which included my personal information. They have compromised my personal information as well as denying my money. 

I even requested form Wells Fargo to see the documents that were provided to open the account, to know which Branch it was done at and also to see the video of me opening this so called account. They have not provided me with this information. 

They are refusing to refund my money and have compromised my personal information with the imposter. 

I
Product: Checking or savings account

Made a check deposit from a client in the amount of {$35.00}, XXXX before XXXX ( XXXX  ) PST on XX/XX/year>. At the bank with the teller no funds hold was printed on the slip nor was mentioned by the teller. Once I opened my email at night, there was a message from Bank of America stating the check " my return due to insufficient funds '' therefore there was a hold on all the funds until XX/XX/year>. This is unacceptable because this client we work with all the time and matter of fact as of this morning that check already came out of their account. This sort of practices by bank of America halts our business operations completely. If we were notified at the time of the deposit that such extensive hold would take place, we would take that check somewhere else. 

Bank of America will likely lose our business and our employees too!
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXX accountXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has an account # XXXX stating that I owe XXXX   from 2012. XXXX another account # XXXX  reporting a XXXX balance These account was fraudulently acquired in my name de to identity theft. This account doesn't belong to me. This company has judgements in XXXX County Court System under my name that is negatively affecting me form acquiring a mortgage loan. I need this to be removed asap so that I can close on my property. I have also filed an identity theft report for the 3rd time.
Product: Debt collection

THIS PERSON IS NOT BOND OR LICENSED TO COLLECT IN MY STATE. IS REQUESTING FUNDS FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps locking me out of my account and I am unable to access my Transunion ACCOUNT. i'VE RESET THE PASSWORD AGAIN!!!!!! And it goes to a broken loop that resets to the start screen and will not process.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.