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

My dentist charged {$150.00}. for a dental visit on XX/XX/XXXX when I had insurance covering this cost. They billed the wrong insurance. I gave the dentist the correct information. I submitted a dispute with my Wells Fargo bank debit card and provided all the documentation showing I had insurance. I got a letter a week ago that I did not provide the documents in time. I called again and got their representative on XX/XX/XXXX and the rep said that they were missing the proof of insurance. I don't why they would need that when it is employer paid, and I had the card. I emailed them from work email a pay stub showing proof of payment and proof of coverage with exactly what is covered. I also called the dentist to follow up and copied another email to Wells Fargo. I noticed today that the temporary provisional credit was reversed. 

ref XXXX for the claim
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to fraudulent accounts and unauthorized inquiries appearing on my credit report. Two accounts, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' were opened without my consent and continue to negatively impact my credit profile. 

Additionally, numerous inquiries were made under my name between XX/XX/year> and XX/XX/year> without my authorization, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite providing an FTC Identity Theft Report and disputing these items with the credit bureaus, they remain unresolved, harming my financial standing and creditworthiness. I demand an immediate investigation, the removal of these fraudulent accounts and inquiries, and an explanation of how these items were verified in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX continues to submit inaccurate derogatory ratings to the 3 credit bureaus. They are stating that I am 30 days past due in XXXX. That information is inaccurate. I paid the monthly amount month over month until I paid the account in full in XXXX XXXX I made good faith payments every month. Also, they were unwilling to work on other matters as well. I put in disputes with all the credit bureaus and as soon as its fixed, XXXX sends out another inaccurate rating and balance due again and my scores go back down. The account is closed. They need to stop sending credit updates ; its paid in full and its closed. I want them to stop doing this to me.
Product: Mortgage

I have a FHA loan and I called Wells Fargo to see if I qualified for the XXXX program and was told that I did n't because I did not have a XXXX or XXXX original loan. Also that I did n't get the loan before XXXX of XXXX. I have had this mortgage since XXXX XXXX. The last time I refinanced was in XXXX.
Product: Debt collection

XX/XX/2021, I disputed collections against Wakefield & Associates. One of the two collections by them have been removed from my credit as of XX/XX/2021. Both of which were for {$440.00}. XX/XX/2021, I contacted Wakefield & Associates by phone, requesting to pay the {$470.00} that I am supposed to owe. They stated to me that I still owe both of the collections, a total of {$950.00}. The total that Wakefield & Associates are continuing to request from me are inaccurate, as the disputed information was deleted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XX/XX/year> {$2800.00} XXXX  XXXX XXXX XXXX XX/XX/year> {$310.00}
Product: Credit card or prepaid card

On or about XX/XX/2023, my credit card ending in XXXX was charged {$92.00} by XXXX XXXX. I DID NOT make this charge. I contacted XXXX and can not find that it is connected with any of my previous rentals. This charge is unauthorized. I disputed it with Chase, but on XX/XX/2023 received a form letter response that simply states I am responsible because " you received a benefit from this transaction. '' What does that even mean? 

I did not authorize this charge, and under both the cardmember agreement and federal law I am NOT responsible for unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been denied on this claim/matter three times despite Wells Fargo ( WF ) having recorded the conversation between I and their bank representative. They promised reprimand of the employee who gave me bad information ( which is NOT a sufficient resolution ). 

I was trying to send money ( {$2500.00} ) to someone via XXXX. Three times, the transfer did not go through. I called the bank each time and no explanation for it not going through was given. On the fourth attempt, I had the same unsuccessful result. I called WF again. The recorded conversation between I and the WF employee was basically this : She told me that my transfers for {$2500.00} were not going through because there was a {$1000.00} limit for 1st time transfers to new recipients. So, I then transferred {$1000.00} with the intent of sending the {$1500.00} balance after the first {$1000.00} went through. Well, not only did my {$1000.00} go through but so did the {$2500.00} that the WF employee told me couldn't go through. 

This transaction ultimately resulted in the transferee absconding with my {$3500.00}. A police report was subsequently filed..
Product: Credit reporting, credit repair services, or other personal consumer reports

pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since 2015 I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am contacting you ( THE CFPB ) because i believe I'm a victim of a Data Breach / Identity Theft. 

On my Credit Report, i found out i have Multiple Fictious Names - Multiple Fictious Addresses- Inaccurate date of birth, etc. 
Attached to this letter is a copy of my Experian credit report - My ID Card - and My Energy Bill. 

Also, i have some suspicious occurrence in my credit report. In accordance with the Fair Credit Reporting act. 15 USC 1681 5, a consumer reporting agency shall verify and report with accuracy. 

I here by request that these items/ accounts be removed from my credit report. 

REPORT ; - Account name : XXXX  - # XXXX, Account name : XXXX XXXX - # XXXX, Account name : XXXX - XXXX XXXX HARD INQUIRIES ; - Account name XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX 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. 

I do not recognize/ authorized these accounts .And i Request that they should be removed from my credit report. 


I will very much appreciate your soonest response. 
Because unknown to me, these items have negatively affected my credit for some time. Thank you. 

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

XXXX XXXX XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.
Product: Student loan

{$160.00} in interest with the payment being {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

The credit bureaus didnt follow the Fair credit Reporting law. I asked the credit bureaus for the method of verification and they didnt provide it to me. Therefore, I believe they reporting inaccurate information on my credit report. I have been trying to get those inaccurate and unauthorized information on my credit file since last year and the credit bureaus keep on giving me hard time. They dont want to follow the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I used my physical debit card a XXXX gas station on the evening, in XXXX, MD. I only made one transaction that night because I had to use my remaining money to order a new coolant tank for my suv the following day. 

Upon opening the Dave App, I seen that XXXX was withdrawn from my account from a XXXX XXXX  in XXXX, NC within XXXX mins after using my debit card at the XXXX. I do not live in NC nor know anyone or related to anyone in NC. I was not traveling anywhere and was in my XXXX of XXXX, NC. 

I immediate attempted to file a fraudulent dispute with Dave App on XX/XX/year> but was told that since the transaction was still showing " pending '' that I would have to wait to file a dispute. So I waited until it cleared and was able to file the dispute on the same day. The process is not a seamless one as they made me answer questions related to the transaction and then had to submit a XXXX  form that they sent me via email to answer the same questions from the original chat. I was told if the dispute wasn't resolved after 10 days then I would get a provisional credit at that time but no credit before. 

They did not reach out to me regarding the dispute until XX/XX/year> to advise me that they are upholding the transaction because I still had my card in my possession and that the disputed transaction took place before the other charge in XXXX which is a lie. When I withdraw cash using my dave app in XXXX, the transaction shows at XXXX XXXX  XXXX, MD. Never any other state or location. 

I have this happen to me XXXX separate times this year where my card was fraudulently used at atm and the banks would immediately refund my money the same day and issue a new card as they have confirmed this kind of activity has increased significant this year due to fraudsters using skimming devices at places where you can use a debit or credit card. 

I submitted a complaint to the XXXX  in XX/XX/XXXX and XXXX  response was that the business replied last : XXXX XXXX, We're sorry about your experience and would love a chance to help out with your concern. 
We were able to locate an active email thread with our team at XXXX! 
Please continue to work with our care agents to resolve this issue. 

This is not true at all, another lie. There is no active email thread as I submitted my complaint to the XXXX  because they denied my claim. Please see attached screenshots.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

My home was purchased as a VA home loan in XXXX, XXXX. At that time the company handling my loan was in the process of being purchased by another company - Cardinal Financial. 

In XXXX, XXXX I applied through my loan agent for an Interest Rate Reduction Refinance Loan. I was advised that we could not process the IRRRL loan due to the fact that Cardinal Financial had NEVER filed for the loan guarantee portion of the VA home loan through the VA. So since early XX/XX/XXXX I have been waiting on Cardinal Financial to get with the VA Home Loan processing center and get the loan guaranteed. I have not made the payment for XXXX of XXXX since I was approved for the refinance loan. Cardinal just told me today ( XXXX, XXXX, XXXX ) that they had to send my guarantee request to the VA for a Manual Guarantee. The VA said this could take up to 60 days to finalize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information about a charge off account from members XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX CST, on Monday XX/XX/2021, I received a notification from the XX/XX/XXXXXXXX XXXX app on my XXXX. The notification stated that a hard inquiry was provided to Bank of America. I have not authorized any inquiry, nor have I applied for any new credit cards or loans, nor have I requested a credit increase from Bank of America. I have have not applied for any credit cards or loans backed by Bank of America that may be presented as a branded card ( for example a department store card, or a rent-to-own loan ). 

I immediately followed the steps outlined on myXX/XX/XXXX account dashboard and found that disputing an inquiry must be done over the phone, withXX/XX/XXXX The fruitless call that followed ended with the XX/XX/XXXX dispute center representative stating that no credit pull would be authorized without some type of certification showing that the pull is authorized, therefore, Bank of America must have had authorization and if I have issue with the inquiry on my report, I should contact Bank of America and request an investigation. 

I should also mention that I have not had an account with Bank of America in nearly 20 years. Their help line requested an account number and transferred me multiple times until I finally reached the " Fraud and Security '' department ( this was after several attempts and being disconnected while on hold ). When I reached a human being, they tried to look for any documentation of an application using my personal information, such as my social security number, and found nothing. I was advised to contact XX/XX/XXXXonce again, and when I did, was given the same direction as the first person from their dispute department. 

My second successful call to Bank of America yielded similar results. Because I have no account with Bank of America, there is evidently nowhere to look for an application. I requested to speak with someone from their fraud department. I was told the same again- because I have no account, there is nothing they can do. They did confirm that they could not find any sort of application or request for my credit report. The representative from Bank of America then denied that any inquiry was actually made, and suggested that XX/XX/XXXX was providing inaccurate information. My credit score did decrease immediately following the notification, so to me, it seems to be very real. 

Growing increasingly concerned that my identity had somehow been stolen, and perplexed at how XX/XX/XXXX could insist that Bank of America had received a " hard inquiry '' of my credit report, I'm now left to wonder who can provide me with assistance. I feel that XX/XX/XXXX specifically has failed to protect me, and that Bank of America has failed to exercise due diligence in ensuring there are no fraudulent attempts to steal a person 's identity.