23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX and I have an account Wells Fargo Bank # XXXX. I have received my IRS refund checks for the XXXX & XXXX, in the amounts of ( {$56000.00}, & {$27000.00} ) on XX/XX/XXXX and deposited them on XX/XX/XXXX in Wells Fargo, the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX GA XXXX. 
When I tried to access my funds, the bank informed me that my account was closed and that it was transferred to the Lost Prevention Department on XX/XX/XXXX. I have been contacting this department for over a year to get more information, and to resolve any issues that might have caused this, but they indicated that the IRS have requested these checks back and they are not able support this claim with any documents. 
I have also contacted the IRS on numerous occasion to get information on why they might have requested these checks back from the bank. I was informed recently by an IRS customer service Agent # XXXX explaining that, if this was a paper check the IRS will contact me directly for any problems, they would have not contacted the bank for that. Also according to the Bureau of Fiscal Service Agent #  XXXX that these checks were cleared on XX/XX/XXXX. 
The bank is refusing to send any tracking information as to where is the money went after being cashed, or any documents to support their claim.
Product: Credit reporting or other personal consumer reports

I've been struggling to fix the errors on my credit report for months, and it's been really draining. Having a good credit score is important to me, but these mistakes have hurt my financial opportunities and taken a toll on my mental well-being. Despite my repeated efforts to get this sorted, my concerns have been ignored, and its only made things worse in both my personal life and my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

We voluntarily gave back a car we were financing back in XXXX. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with XXXX XXXX and the agreement we signed says it will be updated on the credit report as satisfied paid and XXXX balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since XXXX we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from XXXX XXXX XXXX said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with XXXX and XXXX XXXX. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from XXXX that she will report it as paid satisfied with a XXXX balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that my credit is bad due to no updated information. My credit shows that it is about 3 months behind.
Product: Credit reporting or other personal consumer reports

I applied to my bank, XXXX, for small personal loan of {$3000.00}. Equifax repeatedly blocked queries from XXXX for proper information to approve my loan application. I called Equifax and was told I needed to send them multiple documents before they could correct my DOB, ( date of birthXXXX ), information. First I was told I could correct it myself on line but there is NO such link to do so. I called that misinformation to their attention and was told the only recourse I had at that point was to send multiple forms of identification and wait for a response. All for a date of birth update. Meanwhile my bank will not approve a small personal loan. There are NO freeze or alert on my credit report at Equifax despite them blocking any credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information includes a false " also known as '' name of XXXX XXXX XXXX  and an address of XXXX XXXX XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX  stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX  years old and retired. XXXX XXXX  has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX  likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can Experian allow false information to be added to my profile without my being informed?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : XXXX  - XX/XX/year> :
Product: Credit card or prepaid card

I have never been late with my minimum pmt. yet when it came time to pay in XXXX, 2018, they charged me a late fee. Raising my minimum from {$27.00} to {$32.00} " late fee ''. 

My XXXX statement shows I paid on time, yet my XXXX one shows a late fee. 

After MUCH trouble, I got a Best Buy/Citi Bank representitive who apologized and rolled my minimum correct pmt. back to the correct one. 

Although this issue was resolved, I'm afraid I'll have to do this every month as the phone number on the back of the card doesn't give one someone to discuss these matters with. Only machine telling one to press a number. 

I will attach XXXX and XXXX statements for information if needed. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy report whom is requesting to report this information?
Product: Debt collection

Hunter Warfield a self proclaimed debt collector sent me a letter around or about XX/XX/23 claiming that I owe {$2300.00}. I have never heard of this company nor have any contact with this company. Since they themselves stated that they are debt collectors which means that they fall under the guidelines of FDCPA. Pursuant to 15 USC 1692g I have requested validation of the alleged debt that is verified under the penalty of perjury.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Since I graduated college in  XXXX  I have paid over {$20000.00} just in interest with principle remaining almost the same amount. In  XXXX   XXXX  I finally reconsolidated my student loans with  XXXX   XXXX . I recently told them about my situation and they said the numbers do not add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX
Product: Credit card

Opened CareCredit card in Either XXXX of XXXX, needed to get XXXX XXXX pulled. Was referred by XXXX XXXX  to apply for this card and was applied for by the provider. Was NOT explained that the itnerest would be so high and it is putting me in a struggle. I have state medicaid insurance ( XXXX  ) and it shouldve covered my surgery. I now have a balance of {$2400.00} which is insane and i cant get it below XXXX even though i make payments above the minimum every month. I didnt want this card and now i am forced to sell my soul to pay for it.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed my personal information was incorrect. I had multiple variations of my first name, last name, date of birth, address and my employer as well. I sent letters to Experian, XXXX and XXXX on XX/XX/XXXX and asked them to investigate this but they still haven't fixed this problem. The correct way my personal information should be showing up on my credit report is the following : Name : XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on  X/XX/17    and are proceeding to sale set for  X/X/17    - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.
Product: Credit reporting or other personal consumer reports

When looking at my credit report, I notice on all three bureaus they have different information. On my XXXX, it states I have {$310.00} past due and its in collection status. But says the last reported date was XX/XX/2023. How? On XXXX it states that I have no past due balance and last activity was XX/XX/2023. How? Due to violating FCRA 607 ( b ) I need this account removed immediately because it causing me hardship when getting assets.
Product: Credit card or prepaid card

I have XXXX XXXX Inquiries show up on all XXXX credit bureaus reports, on XX/XX/22 from XXXX XXXX, and American Express. This was not me, and not authorized by me. I believe someone may have fraudulently used my information. I have placed a freeze on the XXXX credit bureaus, and placed a fraud alert. I would like the XXXX XXXX Inquiries removed from my reports because it affected my score negatively.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate late payment reporting on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never had any late payments, and the reported information is incorrect. This inaccurate reporting is negatively impacting my credit profile and does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and the removal of these incorrect late payment records from my credit report. Thank you for addressing this matter promptly. If you require any additional documentation or details, please contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.

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

I was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : 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. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Checking or savings account

In XXXX  after the birth of our child, we discovered fraud from our savings account, automatically linked online to our checking account ( by Wells Fargo, not us ). Someone was transferring amounts from our savings ( for a future house ) to our checking account on a daily basis, sometimes multi a day, basis. They would then pay for XXXX linked out of California, usually right at XXXX After a year battle, we got about 3/4 of our money back, but was told the other funds were " too old '', This had been going on since XXXX consistently. We trust our bank to help us watch our ( never touched ) savings account and were never notified of abnormal purchases Imagine the horror in the early morning hours when we were looking to buy a house that most of our savings were gone. Wells Fargo was horrible to work with. We spent many hours and days over the phone. I can tell you years later, I had an account with someone else who notified me the minute any fraud charge was eve detected. Wells Fargo never did. The head of Wells Fargo was contacted and never replied.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

in XXXX I received a phone call from Reliant solutions about a collections, I told them I don't know what they were talking about. I checked my Credit report and XXXX and behold I'm in Collections with this company for {$3700.00} The original creditor is XXXX XXXX XXXXXXXX XXXX. I never lived in Nevada and I never went to school there. I got my car broken into around XXXX of this year 2024. I accidentally left my laptop bag in my car which contained my Social Security, Birth Certificate, Passport, and laptop. I filed a police report. I do believe someone stole my identity and this is indeed identity theft.
Product: Vehicle loan or lease

Payment is past due but not past grace period. TD Auto has called me over XXXX times today XX/XX/2023 alone.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and noticed that XXXX has inaccurately listed an address that I have never lived at. This erroneous information has the potential to negatively impact my creditworthiness and overall financial standing. I am deeply concerned about the implications this may have on my financial transactions, including potential loan applications and other credit-dependent activities.
Product: Mortgage

Hi, on XX/XX/2021 Carringtom mortgage services LLC informed me about the quote of new home Insurance, and the new mortgage analysis of $ XXXX, they told me that the old Insurance went up, so I called them back to remind Carringtom that I have 30 days to keep the old home Insurance or if I get a new one, on XX/XX/2021 I informed Carringtom that I changed the new XXXX XXXX, so they fixed and informed the new analysis of $ XXXX, so on XX/XX/2021 Carringtom change the mortgage house payment again they increase the analysis to {$400.00}, this time Carringtom says that because the house is in flood risk, after I investigate on FEMA web site ( Documents attached ), my home address is NOT in flood risk area, XXXX XXXX  XXXX XXXX Tx. XXXX. Since XXXX mortgage  bank transfer the loan to Carringtom, I have to file a complaint against this company, and on 2021, on CFPB I already filed 3 complaints against Carringtom, last complaint # : is : XXXX. 
I'm XXXX  and tired of this mortgage company,
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this account off my credit report unless you can send me proof that I gave you and the creditor the right to report this on my credit report. This is causing me a great deal of mental stress. I will seek legal advice if this is not removed effective immediately. I was also a victim of identity theft and mailbox theft, and information was compromised through more than XXXX credit leak. Please remove these inquiries from my credit report as they are not mines. 


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