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

I am following up on my previous complaint, marking my XXXX endeavor in addressing the distressing issue of identity theft victimization. Diligently, I have lodged disputes for the inquiries and erroneous information stemming from this criminal activity. The items under dispute bear no relation to any transactions involving the lawful acquisition of goods, services, or funds authorized by me. I implore you to expunge the reporting of these inquiries from my credit file, as they are the direct consequence of alleged identity theft. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to promptly address these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there was a fraudulent account opened in my name through XXXXXXXX XXXX XXXX on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with XXXX Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost XXXX points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. XXXX is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX {$320.00} XXXX  XXXX {$0.00}
Product: Checking or savings account

I have two concerns resulting from a visit to the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. This visit occurred on Friday, XX/XX/2019 from about XXXX XXXX XXXX ET. 
A. I requested a printed copy of my recent transactions on my checking account. I was assisted by a banker named XXXX ( or XXXX ) XXXX. She is new to the bank and does not know me by name. She has assisted me two previous times. 
I have a password on my checking account. The password was added to my checking account five months ago by a banker who is no longer working for Wells Fargo. This action was taken to protect my account when, about five months ago, a relative shared with me that her checkbook was missing. Her checkbook included information about my checking account and its routing number. 
When Ms . XXXX pulled up my checking account, she did not ask me for that password. I gently prompted her to ask for it by stating that I may need a reminder of which password I was using. 

B. Upon receiving my request for a printed copy of my recent transactions, Ms . XXXX turned her gaze back to the computer screen and stated to me that she needed to update my account. She proceeded to ask me numerous questions appearing on her computer that I found to be quite personal. I protested the questioning several times, declining to answer almost all of the questions. 
Some of these questions follow : If I had a checking or savings account with any other institution. 
How the accounts are doing. 
If I have an investing program. 
If I had a computer or cellphone and banking apps. 
If I had any auto drafts on my checking account. 
If I had any future plans. 
I have had this checking account with Wells Fargo and the previous banks that were bought out by Wells Fargo for at least 31 years. I have never been questioned in this manner. When I asked Ms . XXXX why I was needing to update my account, she responded that they wanted to compare their performance with my other banks. When I told her that I had never had to update my account, she responded that I completed the same survey four months ago when I transferred to a different safe deposit box at another Wells Fargo branch nearby. I responded again that I have never been asked to answer these questions, especially at the time so recently that I was transferring to the new safe deposit box. 
I left Ms. XXXX desk and went to speak with a senior banker at this branch who does know me. He told me that the purpose of the questions might be to identify me correctly in the future. He then asked me if I had recently had any employment changes. 
Are these private questions the bankers stated as updates necessary for Wells Fargo to electronically identify me? Was this series of questions that I received at the time of my recent visit legal? 
Thank you so much for your assistance!
Product: Student loan

My auto payments keep changing from some amount to XXXX and I have no idea what I'm supposed to be paying or when my payments will start
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this company or any balance owed
Product: Checking or savings account

I visited the Huntington Bank in XXXX, Ohio, to assist my father-in-law in opening a bank account. However, he was denied this service due to his limited English proficiency. This refusal to open an account based on language barriers is not only unethical but also potentially illegal.
Product: Money transfer, virtual currency, or money service

I have a PayPal account and two transactions showed up today in the amount of XXXX European dollars. The money was sent to XXXX XXXX and I did NOT authorize either one of these transactions. I disputed both transactions with Paypal and they said that they could not find anything wrong with either transaction. Please help me.
Product: Mortgage

Loancare purchased my loan XX/XX/XXXX. Since they began servicing my loan they increased my escrow account by {$1700.00}, claim I am late on my XX/XX/XXXX payment and refuse to credit me for what is their mistake. Their telephone wait time was one hour and after waiting they said they could not help me. At this point Loancare can not tell me the status of my escrow dispute, the location of my payment and now are demanding well over {$2500.00} dollars to " catch up ''. I have never been late on my mortgage and have a perfect payment history for the last 3 1/2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a login for Transunion.com, during the signup it asked to enter credit card information, I assumed that was for verification of my person. After the login creation, everything I try to login in it wont allow me. I later noticed a charge of {$27.00} on my credit card from Transunion that I did not authorize. I downloaded their iOS application And hat provides no information to the charge of any sort. There is no contact number of any sorts. I can not log into my account thru the online portal. I googled their number and Ive been on hold over an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 certified letters to XXXX, XXXX, and Experian Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.
Product: Debt collection

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 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 Balance : {$1700.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items
Product: Debt collection

I am writing to formally file a complaint against Equifax and XXXX XXXX for their failure to address and resolve an issue involving a fraudulent debt that stems from identity theft. 

Several years ago, the original creditor conducted a thorough investigation and confirmed that the account in question was the result of identity theft. Based on their findings, they completely removed the account from my credit report. Despite this, XXXX XXXX has continuously attempted to collect on this fraudulent debt, and Equifax has allowed the account to remain on my credit report. 

I have repeatedly requested proper verification and validation of this debt from both Equifax and XXXX XXXX. However, neither has provided the appropriate documentation to substantiate the debt or demonstrate its validity. In addition, I have supplied both parties with evidence of identity theft. Despite this, neither Equifax nor XXXX XXXX has adequately investigated the matter or taken steps to remove the account. 

This ongoing situation is unjust and has caused significant harm to my financial standing and well-being. I believe both parties are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically : XXXX XXXX has failed to properly validate the debt as required by the FDCPA. 
Equifax has failed to conduct a reasonable investigation into my dispute and continues to report an account that has already been verified as fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report and to bring to your attention violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. My personal information was compromised in a data breach, leading to identity theft and the presence of unauthorized accounts, incorrect names, and addresses on my credit report. 

Violation of FCRA Section 607 ( b ) : Equifax has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. As a result, my report contains unauthorized accounts, incorrect names, and addresses that do not belong to me. These inaccuracies are directly related to the breach of my personal information. 

XXXX. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : I have disputed the inaccurate information with Equifax, requesting that the accuracy of these disputed items be verified. Despite this, Equifax has not conducted a proper investigation or verification, and the incorrect information remains on my credit report. 

Breach of XXXX XXXX : My personal information, including my Social Security number and financial account details, was compromised in a data breach. This breach has resulted in identity theft, which has caused unauthorized accounts to be opened in my name. I have reported this breach and the subsequent identity theft to the appropriate authorities.
Product: Credit card or prepaid card

On XX/XX/2021, I received and email from " XXXX '' that pretended to be computer service company. They claimed that I purchased their services. I did not. But they were charging me {$390.00} for their services for one year. Meanwhile they took control of my computer and stole my data, and then tried to hold me hostage for the price of {$3500.00} to return control of my computer to me. I felt I had to comply because my data was very valuable to me. So I complied and they fraudulently received my {$3500.00}, which was charged to my Wells Fargo Visa card. I then complained to Wells Fargo about this fraud, and after they investigated the incident as far as they chose to go, they blamed me for having complied with " XXXX '' company, and refused to forgive the charge on my credit card.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 a Sub Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice Before Arbitration I have the following ISSUES : I have disputed ( online ) each of the following accounts, stating they DO NOT belong to me. There was no action taken to rectify these inaccuracies being reported on my credit. On XX/XX/XXXX, I then sent in formal letters to Equifax stating not only did the following accounts not belong to me, I provided a copy of my identification as well as a bank statement, AND I requested that each of the accounts being reported on my credit to be verified. I requested transactional history, agreement and original contract, and ledger for each of these accounts listed below. Still to no avail ; these accounts have yet to be removed from my credit report. I have endured significant financial setback, and severe emotional distress due to inaccurate accounts consistently being reported to my credit. According to 15 U.S. Code Section 1681, MY RIGHTS HAVE BEEN REPEATEDLY VIOLATED and my attempts to rectify this matter have been ignored. Even after I have provided substantial evidence showing my identity and address. 

INNACURATE ACCOUNTS BEING REPORTED : -XXXX XXXX ACCOUNT : XXXX BALANCE : {$590.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX  XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX XXXX  ACCOUNT : XXXX {$0.00} DATE : XX/XX/XXXX In Order to Resolve This Issue Amicably, I AM Requesting PAYMENT and Deletion for each of the above referenced accounts 15 days from the submission of TODAYS DATE : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TideWater Finance gained unauthorized access to my credit report.
Product: Debt collection

There was a bank transfer for {$7300.00} from Ally bank and I had given a check for that amount but the transfer didn't come in time of the check being cashed so It ended up being a return of posted check. XXXX XXXX XXXXXXXX Stated that they do not have any of the funds and it was cancelled out. Ally bank is stating there are two ACH withdrawal from XXXX  XXXX XXXX but on my XXXX  XXXX XXXX statement there are not two withdrawal from me. This collection will go on my credit and will effect me.this is a mess up on Ally bank and XXXX XXXX XXXXXXXX not me. Ally is not working with XXXX XXXX XXXXXXXX to resolve this issue. Which is not my fault that someone one on either side messed up not me. This has stressed me out to the max, I've been having XXXX  and I already suffering with XXXX  this has elevated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy XXXX failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
Product: Mortgage

To Whom It May Concern : On XX/XX/2022, we applied for a mortgage to buy a house for XXXX from US Bank ( Loan # : XXXX ). On XX/XX/2022, we locked the rate of 3.25 % with the manager of U.S Bank ( see attachment 1 ). Following, we paid the Earnest money of XXXX. We paid all the expenses for an appraisal and inspection. The closing date on the house was on XX/XX/2022. 
On XX/XX/XXXX XXXX XXXX we received the denial letter ( see attached XXXX and XXXX ). Due to this, we asked the seller to release the Earnest money. The seller refused and stated that the US Bank employee XXXX XXXX contacted them directly to tell them that we were approved for loan but with different terms. The seller contacted us though our broker XXXX and we provided a US Bank Loan Decline letter. The seller then stated that the letter was not real. The seller insisted that XXXX from US Bank told them that we did receive the loan. The seller, again, refused to release the Earnest money ( see attachment 4, please note seller referred to US Bank employee as XXXX XXXX ). We contacted US Bank and told them that they have breached our privacy by contacting the seller directly without our permission. This breach of privacy has caused a huge problem and incurred a large amount of stress. We are still trying to receive our Earnest money from the broker and seller.

This was poor handling and a breach of confidentiality of private financial information by US Bank. We have had a long history of loans with US Bank ( over XXXX XXXX ) that were paid without any delay. 
best regards
Product: Vehicle loan or lease

My vehicle was repossessed by Navy Federal Credit Union on XX/XX/XXXX. On a recorded call, I spoke with XXXX XXXX and was advised by the agent that they did not send out a notification to me because I had a " do not contact '' request on my account. I have NOT requested such request. However, the agent advised me that they can not send me correspondences or contact me until i remove it in writing by going into the XXXX XXXX app and making the request which I have done. This was about XXXX weeks ago. I'll attach phone call with exact dates. My complaint today involves XXXX XXXX refusing my request for a 10 day extension for the redemption of my vehicle. I have written them, and have called several times to request it, but on XXXX of the calls, the agent says " there is no such thing '' and they can not do it, and on my last call, I'm told by the agent that extensions for redemption are not in XXXX XXXX 's policy. As of today, I am told by the agent that my request for an extension was reviewed by a supervisor and has been denied. 
With my vehicle being repossessed on XX/XX/XXXX, the 15 day redemption expires on XX/XX/XXXX. A 10 day extension, as afforded to me by California law, would make the final redemption date XX/XX/XXXX. I have been trying well before to get the 10 day extension as afforded to me by California repossession laws and have been repeatedly denied. I called again today, XX/XX/XXXX and again and advised that I have all the money they have requested for redemption, but I was told that the request for an extension was denied, without explanation. 
Apparently, XXXX XXXX just blatantly refuses to follow the law, or the analyst are just unaware of the law and they are on track to sell my vehicle.