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

On XXXX I was scammed through a XXXX transaction. The scammer pretended to be a BOP ( which I reported to the FBI ) and had all of my information and my father 's information. I know with BOP you do not ask many questions. I have experienced it with the real BOP. I went for the scam to ensure that my family member was safe. Immediately I reported the scams for two transactions of XXXX $ to Wells Fargo bank. Wells Fargo got the information of the receiving bank AND THE ACCOUNT HOLDER and yet they are not giving me my funds back. When I escalated the requests I was berated and called stupid for sending the funds. That is not acceptable for a loyal customer who holds many accounts with Wells Fargo. I felt like Wells did not even try to get my money back and didn't help me when I was scared for my personal safety and my family safety. I really hope that I can get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several electronic disputes and written disputes to Equifax with no responses. I submitted electronic disputes to Equifax disputing inaccuracies and errors on accounts from XXXX XXXX XXXXXXXX electronic confirmation XXXX and XXXX XXXX XXXX- electronic confirmation XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently via certified mail XX/XX/XXXX. The certified mail dispute was confirmed received and signed for by Equifax XX/XX/XXXX. To this day I have yet to receive a response from from Equifax concerning the " Reinvestigation '' of my disputes. I have come to the conclusion that the Furnisher and Equifax are in violation of my rights under the Fair Credit Report act. " Section 1681s-2 ( b ) ( 1 ) of the FCRA states that a furnisher of consumer information must conduct an investigation of disputed information upon receiving notice from a consumer reporting agency ( CRA ) that the consumer has disputed the accuracy of the information. '' Equifax and the furnisher have failed to respond and investigate my disputes and the accounts must be removed from my file. I also filed a complaint with CFPB against the furnisher XXXX XXXX XXXX. Per the response from the furnisher, they claim that the information being reported to the credit bureaus is accurate. However, that is false and not true. The information that the furnisher is submitting across the board to the three major credit bureaus XXXX, XXXX, and Equifax is not consistently accurate, riddled with errors, and not being reported correctly. It is the credit bureaus responsibility to have the utmost " 100 percent accuracy '' of information displayed in their consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax and the furnisher has failed to maintain utmost accuracy in credit reporting. Which has violated my rights under the Fair Credit Report Act. The FCRA requires credit bureaus to post in the remark comment section account information is disputed by consumer within five business days of receiving the dispute. I have filed several confirmed disputes with Equifax and furnisher and they have failed to comply. According to the Fair Credit Reporting Act these accounts must be removed from my file if the data is not fair and accurate.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

I also sent this letter to discover bank They are trying to take me to court I received an order from them last week, when Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am in fact the creditor of this consumer transaction and I understand that I need to be compensated for these damages & my rights being violated here listed below. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, & XXXX. My information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. How I would l like to remedy this charge off is by removing it off of my credit report or updating it as paid as agreed and to be compensated {$1000.00} per violation under 15 USC 1692 for violating my 16 CFR 313 rights, privacy of a consumers financial information, for three years and eight months, this account was opened XX/XX/XXXX. They have reporting To these third-party agencies every month ( XXXX, XXXX XXXX XXXX and XXXX ) and counting on this day XX/XX/XXXX. XXXX the account has been reported for the last 3 years & 8 months on XX/XX/XXXX that equals 44 violations just from that by itself which equals out to {$44000.00}. You can make all checks payable to XXXX XXXX and send it to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX PA XXXX. Since this is now a charge off, it is a certificate of indebtedness which is considered income, and it must be removed The law says its illegal to report transaction history thank you for your time and understanding through this damaging & hindering situation as I am not able to get Car insurance a car loan or New house because of these reporting, I am also not able to take my kids to their activities, such as XXXX XXXX XXXX  because my car broke down, and I am not able to get the funding and help that I need to get a new car because of all of this it is extremely hard to live and take care of my children. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that the bank/company did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank/company recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the bank/company will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the bank/company liability means the bank/company owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans were transferred between loan servicers from Nelnet to XXXX over a year ago. When this happened, XXXX began reporting my student both from Nelnet and XXXX, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with XXXX. 

Ive disputed this with XXXX 3 times over the past year, and each time XXXX says the dispute has been resolved without fixing it. Nelnet told me they stopped reporting my balance to XXXX a year ago and theres nothing they can do. Please help. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing that theres a missed payment during while I was on forbearance plan. I just spoke with XXXX and they said your research department has not submitted any documentation to correct and remove the negative reporting on my credit. My credit score is still affected and has decreased significantly, which is causing issues when Im trying to make purchases. Please see the attached XXXX credit report that is still showing the negative remark and missed payment for XXXX and XXXX. I spoke with a representative from your loss mitigation department last week and it was confirmed that all the payments during the forbearance plan should have been deferred to the end of the loan by now and I made a payment for this month in XXXX to get back on track and current. 

This has been going on for too long now and its becoming very stressful to deal with this issue. Can someone from this company please take some ownership of this problem and get it fixed. This is causing emotional, mental and financial issue in my life and its very upsetting. I have already filed a dispute with XXXX and I will be filing another complaint to the Consumer Financial Protection Bureau. 

Initial complaint submitted on XX/XX/2022 : I was instructed by the loss mitigation department to email the research department to investigate the status of my loan account. I received a letter on XX/XX/2022 for a payment deferral agreement, which indicates that XXXX payments will be deferred due to the Covid19 hardship forbearance plan that I was approved for in XX/XX/2022. In this case, 5 payments would cover the months of XXXX, XXXX, XXXX, XXXX and XXXX. However, my account was reported 90 days past due and showed up on my XXXX and XXXX credit report. Consumers that are in forbearance plan should not have any negative remarks or late charges/fees on their credit report, per the Covid19 hardship forbearance plan guidelines. I have never missed a payment or had any negative remarks on my credit, so this really upsets me. My credit score has decreased significantly as a result of this reporting. 

I have attached a screenshot of my credit report from XXXX and XXXX, as well as the payment deferral agreement letter and emails that I have sent to XXXX, for your reference to the investigation. I would also like to request that phone recordings from the conversations that I have had with multiple representatives from the loss mitigation department are reviewed to help with this investigation. 

As a result of this investigation, I expect to have this negative remark removed from my credit report and receive communication from your department through email, phone call or letter, confirming that this action was taken. This entire experience working with your company has been a nightmare and caused tremendous stress and hardship for me, both financially and emotionally. I have already filed a complaint to the Consumer Financial Protection Bureau and will proceed with legal action if the investigation is not corrected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Experian has on file. 
XXXX XXXX XXXX Acct # XXXX This same account was removed from XXXX XXXX XXXX on XX/XX/2021. I have disputed this account twice and got the same result. Do all 3 credit bureaus abide by the same rules and regulations?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I
also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

Sir I'm XXXX on XXXX. I have account on XXXX & I seen a swimming pool on sale for 72 hour at the first of summer XX/XX/XXXX and that Index pools and know that brand had one for years and needed another one cause my plumbing is not working. I got one to bathe. Never got the pool. Pay Pal gave them the money before I got the pool. Never received the pool I been with out .I Disputed it came back declined. Can you help me get my money back I waited 2 weeks never came. So XXXX and PayPal is not doing things right. Right is Right Wrong is Wrong Good is the only way to do. Thank you for your time and concern.
Product: Credit reporting or other personal consumer reports

It is of highly importance that you are aware and f FRAUDELENT accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, XXXX XXXX XXXX has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX XXXX XXXX provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account removed as soon possible : XXXX XXXX XXXX Date Reported : XXXX Balance : {$650.00} XXXX XXXX XXXX Date Reported : XXXX Balance : {$770.00}
Product: Debt collection

A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX  '' after I told the collector that they were XXXX  for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed at least 5 disputes with Equifax. I paid off the balance of my XXXX XXXX XXXX visa card leaving a balance of {$10.00}. The new balance was submitted to Equifax on XX/XX/XXXX and AGAIN on XX/XX/XXXX. Equifax STILL HAS NOT CHANGED THE BALANCE. A result of their inaccuracy, my credit score has been effective. It has been over 2 months and 5 disputes and hours of phone calls trying to dispute their results. It has been a nightmare and I am not sure what I have to do to have this company stop reporting fraudulent data!!! Dealing with Equifax has been nothing short of a nightmare!!!
Product: Payday loan, title loan, personal loan, or advance loan

They are reporting false information..this was an account I was using to build my credit and by the time I closed it it was paid to debt..its not like they give you the loan.it just reports on your credit while I was making monthly payments and its incorrect that it reports as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I had an unpaid balance of {$1100.00} and was charged {$110.00} in interest in 1 month. My interest rate is 16.74 % and I should have been charged {$15.00}.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX