23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 9. XXXX XXXX/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX XXXX  and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact lexisnexis a company that is reporting information to them. I called lexis nexis in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from lexisnexis to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and lexisnexis refuse to remove this inaccurate information in my file. Also, XXXX   XXXX XXXX, and Lexis Nexis are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Product: Credit reporting or other personal consumer reports

This credit bureau is not correcting my credit file with my legal name. Sent documents certifed, several calls placed. 

Reps refuse to correct credit file stating the reported information is correct and I have to correct my information with each creditor. 
They have no information on who the legitimate creditors are. 

Several names, are inaccurate, copy attached Only legal name should be in this file XXXX XXXX XXXX XXXX. 

This Website will not allow uploads
Product: Debt collection

I respectfully request immediate attention to an unresolved matter pertaining to a collection entry on my credit report. Despite the successful resolution of a legal dispute in XX/XX/year>, a company has reported a collection under a different entity name, leading to confusion and concern. I have diligently attempted to contact the company on multiple occasions over the past XXXX months, specifically on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX yet regrettably, my efforts have been met with silence. I urge the intervention of the CFPB to facilitate the rectification of this error by the company and the consequent removal of the collection from my credit report, as its presence continues to detrimentally impact my credit standing, despite its legal resolution.
Product: Consumer Loan

I purchased a car aprox. XXXX/XXXX/2014. The dealership mistakenly put Wells Fargo Dealer Services on the title. The beginning of this year the car was unfortunately totaled, now my insurance company needs a release of lean to process my claim, but Wells Fargo Dealer Services will not give me the release of lean, even though there is no lean on the car.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX have some form of block on my consumer report that is preventing me accessing my consumer report which I am entitled to one. There are several names that are not mine and addresses that are not correct at all. I have provided proof that this information is incorrect and they still refuse to remove it. Specifically XXXX continues to report a name XXXX XXXX that is not mine. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX my only employment is XXXX XXXX XXXX  any other information is incorrect. I have attached my identification and my residency.
Product: Vehicle loan or lease

So for my loan with Lobel Financial they put someone else name on my lease and now are trying to sue me and garnish my wages and now Im trying to sue them back but its a hard process
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 XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX account # XXXX 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.
Product: Credit card or prepaid card

Today XXXX ; I received a notice of delinquency on my credit report. After reviewing all statements I came across a late charge fee that would infer that I was late on a credit card payment with Pentagon Credit Union. Three months ago XXXX granted me a credit increase and a balance transfer. During this process XXXX experienced an internal records issue that I am unable to discern. During the process I was issued 2 new cards. As a result, automatic payments were no longer processed accurately and Pentagons systems reported derogatory information to the credit reporting agencies. This was completely out of my control and Pentagon credit union refuses to take responsibility for this failure of their systems. This is impacting my financial standing and causing me great hardship. I would the records to be updated and remedied, as if Pentagon federal credit unions systems worked properly.
Product: Debt collection

I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.
Product: Debt collection

I have found out that there has been a collection account that was sold originally from XXXX XXXX XXXX also reporting on my credit report
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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 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 information is inaccurate.
Product: Checking or savings account

I am writing on behalf of an employee of mine, who I will call " XXXX XX/XX/XXXX''. XXXX XX/XX/XXXX is a XXXX speaker with limited English skills. 

Before I begin this complaint, I want to make the statement that XXXXXX/XX/XXXX is an dedicated employee who works extremely hard for every dollar that he earns. Every, single, dollar that he earns is needed and necessary. Therefore, this filing is more than a complaint in theory it has serious repercussions for his livelihood. 

It was recently brought to XXXX XX/XX/XXXX attention that he was being auto-billed a monthly fee of {$83.00} from his Wells Fargo checking account by XXXX XXXX XXXX. 

There are two causes for concern : 1. XXXX never signed up for an insurance policy with XXXX XXXX XXXX. 
2. XXXX never authorized XXXX XXXX XXXX to auto-bill his Wells Fargo checking account. 

Unfortunately, for XXXX, he did not notice this recurring withdrawal on his account until his most recent statement. As XXXX does not own a personal computer, he was unable to access his banking online to identify when these fraudulent charges to his account originally began. 

On XX/XX/2020, XXXX visited the XX/XX/XXXX branch of Wells Fargo bank in XXXX XXXX in person to file a complaint and to stop the charges. A banker named XXXX XXXX confirmed that the recurring charges had been taking place for the entire year, but Mr. XXXX told XXXX XX/XX/XXXX that he only had access to one year 's records and couldn't research how long the charges had been occurring on the account prior to XXXX 2020. 

Mr. XXXX issued an official Stop Payment Order on XXXX XX/XX/XXXX account for which he then charged Mr. XX/XX/XXXX Wells Fargo account a {$31.00} for requesting an unauthorized transaction claim. Mr. XXXX then said he send Mr.XX/XX/XXXX complaint to the Wellls Fargo Claims Department. The Claims Department denied the claim because it was not reported " In a timely manner. '' Nor would Wells Fargo reach out out to XXXX XXXX XXXX directly to solve the issue of the fraudulent charges. 

As noted in the beginning of this claim, XXXX 'XX/XX/XXXX English is limited. Therefore, calling XXXX Customer Service for assistance became an issue ; however, I was able to call on his behalf. I waited on hold for over an hour. When I finally managed to speak with a service representative from XXXX I explained the situation and also mentioned XXXX had limited English and would like some assistance. The response from the XXXX representative was that no one in customer service spoke XXXX and before I could continue asking any further questions the XXXX representative hung up on me. 

As a result of this failed call, we were unable to get any further information regarding MrXXXX XX/XX/XXXX supposed insurance policy with XXXX XXXX XXXX. It is impossible to verify an account for which one has no details nor proof of contract. 

How can XXXX XX/XX/XXXX argue against charges that he has no access to? Why wouldn't Wells Fargo feel it important to protect one of their customers?
Product: Mortgage

On XX/XX/XXXX, I mailed out a RESPA Qualified Written Report request to U.S.Bank XXXX XXXX XXXX, XXXX, MN XXXX. 
Loan number XXXX mortgage acct XXXX XXXXXXXX. I did not receive an acknowledgement letter pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), neither did I receive the information requested. I only received 4 pages of mortgage History, 1 page payment history for year XXXX, and 9 pages loan history.

I also sent out a second letter requesting the same, dated XX/XX/XXXX. I received no acknowledgement or the information requested.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Transunion about unknown inquiries on my report. I have 19 hard inquiries showing on my report for dates that are dame day pulls or back to back dated pulls. I have no knowledge of these companies pulling my report, nor did I ever give permission for it to be pulled. The only 2 car financing that I approved to pull my credit is XXXX XXXX & XXXX XXXX which was yo be ran for approval through my bank XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX. I did not approve another company to pull my credit. This has caused a major problem. 
Car lots are doing this alot & hurting peoples credit badly. It needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with XXXX and Experian had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and discovered some credit card accounts that are not 100 % accurate and information that can not be confirmed in any manner! I now understand that it is illegal for you to submit any information, data, credit cards, or collections that do not appear to be entirely true. These rules safeguard both myself and other consumers. Within These fraudulent ACCOUNTS on my credit report are a serious violation of not reporting an account 100 % accurately. For these violations, I can sue EXPERIAN XXXX AND XXXX. The Fair Credit Reporting Act states that everything on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ).
Product: Vehicle loan or lease

Hyundai Motor Finance has illegally withdrawn a payment from my personal checking account when no payment was due. They are refusing to reverse this fraud, which means it is now a theft. Attached is the XXXX Statement showing no payment due for XXXX and a screenshot from my checking account showing they took money without authorization.
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. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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.
Product: Debt collection

company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX  in XX/XX/XXXX. 
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX  and given me the unlock code for my phone to switch over. 
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other  scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. 
Another point is that collections never contacted me, ever. 
I contacted them when I saw my credit score on  XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. 
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. 
i can't talk to XXXX directly about the matter. 
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. 
Thank You -XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I  have  XXXX  duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
Product: Credit reporting or other personal consumer reports

I recieved a transunion credit report and noticed 3 unauthorized/fraudulent credit inquiries from td XX/XX/XXXX, gravity auto XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX recieved an XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries from XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recieved a XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a new XXXX XXXX in 2011, I took a Loan with Wellsfargo dealership, I paid the cra Loan in full, I dont owe money to the bank, but my account is showing on Charge off, and its affecting my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX Southern Auto Finance Company, XXXX Southern Auto Finance Company, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX It's on my credit report as high impact. When i called the company they said they don't have my name on their records, that is XXXX mistake. But when i called XXXX they said that is what has been reported to them. That i need to report to the FTC.gov for identity fraud and send them a copy and a letter in order for them to remove it on my credit report. I got my SSN # in XX/XX/XXXX, i don't know how someone could get a loan on my name.