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

I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my credit report, despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my credit report has caused significant harm to my credit score and financial standing.

Despite submitting multiple disputes directly to Wells Fargo and the credit bureaus, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my credit. This action violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my credit report. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial harm. 

Wells Fargos refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, FCBA, and the Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status CloseXXXX. {$680.00} written off.
Product: Credit card

I received notice from my XXXX XXXX account that XXXX new credit accounts were opened without my consent, authorization, and knowledge. The XXXX fraudulent accounts are labeled as AVA FINANCE , INC. One is a credit account with a {$500.00} limit and another is an unsecured loan with a {$300.00} limit. The fraudulent accounts were opened on XX/XX/year>. I have an open dispute with XXXX regarding this matter but require additional support.
Product: Credit card or prepaid card

I went to a XXXX XXXX  in the XXXX called XXXX XXXX. Upon my arival the pool was green and missing chunks of marcite. I than said lets go to the beach the beach was closed because XXXX XXXX  was in port and they had exclusive rights to the beach. we then proceeded back to the holtel for dinner and found out that half the resturants were closed becaused due to lack of customers. this was a completely wasted trip I was totally disatified and let the manager know. I never signed the bill due to my disatifaction. The XXXX charged my card that I held the reservation with. i contacted and wrote my dispute to capital one sent them pictures of the green pool they said matercard does not except pictures in disputes lol this is totaly unexceptable!! people need to be responisble for there lack of effort to keep the property clean and running as per the advertisement. i am not paying for a vacation that i could not enjoy!!!!
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date Opened:XXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$15000.00} Date Opened:XXXX Account Number : LOANCARE SERVICING C Account # XXXX Balance : {$310000.00} Date OpenedXXXX  Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date Opened:XXXXXXXX
Product: Student loan

Navient refuses to take my loan out of deferment. I contact them and request that the deferment be waived and they tell me they will put in the request and that I will be notified when it is completed and then nothing happens and you never hear from them again. You call back and the same process happens again. They never address the issue. They have previously removed the same type of deferment and it was supposed to be noted on my account that I did not want any future deferments that I am working towards PSLF. I'm so tired of fighting constantly with this company that doesn't listen, and doesn't care, and has representatives that are unknowledgeable and who are unable to make changes to your account. They continue to underserve and provide wrong information to people pursuing PSLF.
Product: Debt collection

I called American First Financial on XX/XX/XXXX to pay off a debt. They found my account info only after asking for my husband 's information. The account is solely under me! We were both then referred to a third party that has no record of any of either our information/account. After calling back to speak to AFF and having them give me the gauntlet of questions to pull up my account,, they tell me I owe XXXX $ more than is on my credit report. When asked why such a difference I was only told they report once a month and that the numbers don't need to match. ( This number on my credit report has been the same for months ) We were told to give it 24 hrs for the system to receive our account. We called on Tuesday and after the 6th call American First Financial blocked my husband 's phone number. He had to call from a co-workers phone to get thru. Again today XX/XX/XXXX the third party says they have no record of us and now American First says we need to wait until Friday and try again.
Product: Mortgage

I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!
Product: Checking or savings account

On XX/XX/2023 there were two fraudulent charges on my card. One for {$51.00} showing XXXX and one for {$300.00} showing XXXX. I received a text message from my bank asking if the XXXX charge was me and I replied no. I called the bank and told them neither of those charges were mine and asked to cancel my debit card. I also asked to stop payment and refund the cash bug they told me I needed to wait until it was processed then reach out again. I reached out and was able to get the {$51.00} refunded but the {$300.00} XXXX charge has been more difficult. When I first reached out they asked me if I had a XXXX account and I said yes I do but my card isnt linked to it. This charge isnt on my XXXX account. they said they understood, I get an email a few weeks later and theyre asking me to reach out to XXXX for my money but XXXX couldnt help. At that point I didnt have my card anymore and I have no idea what XXXX account was used when they charged me. Ive been calling and trying to explain to every person who answers at bank of the west and everyone tells me theyre escalating the case or the investigator will reach out to me then I could explain to them big there has been no phone calls or emails. Now I keep hearing that theyre working on it and to call the following week. I call the next week and they tell me the same thing. Seems like every time I call they just tell me to call next week and its been dragging like this for the past month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX Federal Perkins Loan Servicer inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my Ed loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
Product: Student loan

I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I missed half of a payment to XXXX XXXX on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to fix the problem with Wells Fargo Bank but It got to the point where i just paid the credit card off fully and just closed the account and went to a different bank. But Wells Fargo bank stopped me from paying the other bills that i really needed to get to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX # XXXX # 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 reporting, credit repair services, or other personal consumer reports

There are errors on my credit report. I contacted the lender directly and I was not able to get my questions concerning these errors addressed. XXXX reported on XX/XX/2021 that account was last active. XXXX also reported XX/XX/2021 was the last payment date. XXXX reported last active date was XX/XX/2021 and last payment was XX/XX/2021. Equifax stated XX/XX/2021 account was last Active and on XX/XX/2021 last payment was made. All these errors on my report makes it impossible for me to understand. This is frustrating and has caused me a great deal of stress. Please remove this account off my credit report.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue XXXX  and concern.
Product: Credit reporting or other personal consumer reports

I file a complaint against Equifax for fairing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C ss 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a Bankruptcy listed in Public Records date filed XX/XX/2014. 

Experian continues to report this inaccurate information even after several disputes. I have repeatedly requested tangible documentation whether electronically or hard copy and Experian has yet to verify. All they send is Verified on my report but don't list any names or address on how this is verified and then state they will not dispute this anymore. 

I have received a letter from the court that is listed on the credit report and they SPECIFICALLY state that they do not provide information to Credit Reporting Agencies. 

Experian 's system for matching profiles is not working. Experian must be reporting someone else 's Public Records information on my credit file. The address identification number DOES NOT represent any address where I lived. 

Since Experian is unable to verify their method and accuracy of this information, I want this Bankruptcy PERMANENTLY DELETED FROM MY CREDIT FILE immediately. I need your assistance in getting this matter resolved ASAP. 

This error is severely impacting my profile and is painting a bad picture of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of company reporting information that do not belong to me and have inaccurate information... FCRA say the creditor must submit the same information to all credit Bureau however this information has different open date, payment status, last date of activity .. All are VIolations All information should be the same across all Credit Bureaus XXXX 

XXXX XXXX  Account number XXXX XXXX XXXX Account NUmber XXXX In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XX/XX/2024 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking LitigatioXXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 data is inaccurate.