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

I am reporting a fradulent inquiry found in my credit report.I want to disputed. XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX
Product: Student loan

Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Late Open : XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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

In XX/XX/XXXX I tried to file XXXX XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.
Product: Checking or savings account

On XX/XX/2021, I submitted a payment to pay my credit card at XXXX XXXX XXXX But, the incorrect amount was charged as my whole balance was paid and only requested minimum payment to be paid. I contacted XXXX XXXX and was told I would have to communicate with my bank. I did that I filed a claim with them and sent in the documentation they requested, which was documentation of the correct amount to be paid. I sent it in by mail. No response was given to me that it was received like I was told. I then send it in by mail. Without looking at the documentation THAT THEY REQUESTED I was told that there was no error in my claim and that it was closed. How can a claim be done with no investigation. CAPITAL ONE investigated my claim without looking at the documentation they requested.
Product: Credit reporting or other personal consumer reports

A secured credit card with USAA opened on XX/XX/XXXX was charged off in XX/XX/XXXX. Charges on credit card were fraudulently added by XXXX XXXX XXXX XXXX, who I later sued and won a settlement against. 

Credit card was successfully deleted from my credit reports in XX/XX/XXXX, but later reappeared in XX/XX/XXXX. By law, I should have been notified in writing by the creditor that the account will be added back to my credit report within five days of account reappearing. I was never notified.
Product: Consumer Loan

I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian my XXXX, social, current mailing and home address, former addresses for the past 10+ years, XXXX XXXX XXXX bills, phone bills, etc and even included a {$10.00} check .... They received my package on XX/XX/XXXX and have yet to contact me or remove the Fraud alert and Freeze from my account. I have called many times and gone through all the prompts. I have tried calling 3 different phone numbers on at least 10 different occasions each and can not reach a human. I have even emailed explaining all of the above and have heard nothing. My email said call me now!!!!! I'm trying to buy a XXXX and I have literally spent weeks trying to resolve this. Experian blacked out my phone number on the credit report so that XXXX needs to get the freeze removed so that they can see the phone number to call me. They must do this because I had put a Fraud alert in order to protect identity back in XX/XX/XXXX when XXXX had their breach. 

How does the government allow a credit bureau to have so much control over a persons life????? There is no accountability with these bureaus. XXXX is associated with XXXX, so XXXX made a ton money off people when they had a breach and they weren't accoutable, in fact since they own XXXX, they made a ton of money off the XXXX breach. They probably planned it as XXXX had their best year ever. 

My letter to them, which tracking proves they received on the 3rd, insists that they permanently take me off Freeze and Fraud alert. All of this has actually lowered my Excellent credit score. PLEASE HELP ME!!!!
Product: Credit card or prepaid card

One of my employee 's Bank of America Merrill Lynch XXXX XXXX XXXX XXXX XXXX credit cards expired in XX/XX/XXXX. In XXXX, the someone in Texas used the credit card number at a hotel to charge for a hotel room costing {$620.00} despite the fact that card was expired. We did not receive a fraud alert from Bank of America, and we did not receive notification that a charge was made to the account that normally goes out to employees. We got notice on XX/XX/XXXX from Bank of America that even though we reported the fraud that they said it wasn't reported within 60 days even though we never got an alert that should have gone out when the illegal purchase was made on the expired card at a hotel in a state different from where the cardholder lived. The card holder lives in Minnesota. The safety feature of the expiration date did not kick in during the illegal purchase. Also, BOA only sent a notification letter 4 payments after the account was illegally charged.
Product: Credit card

This is additional information to go along with claim # XXXX. 

There were also fraudulent charges made on XXXX XXXX, which total {$6400.00}. These charges are shown on the attached file. 

The charges on XXXX XXXX were moved to our XXXX billing statement and removed from the recent charges screen, so I did not see them and thought they had been removed when I filed the previous claim.
Product: Debt collection

Im asking to have this account removed from credit report I dont owe {$160.00} to anyone me so Im requesting this company to validate this debt! I think theres a mix up with someone I currently have an active account with XXXX XXXX XXXX I have bill pay this isnt my account m!!
Product: Debt collection

PLEASE HELP!!! 

I have tried numerous times to reach out to both the so-called collection agency Sunrise Credit... as well as, all three credit bureaus ( XXXX, XXXX, and XXXX ) to remove this fraudulent debt from my XXXX credit reports. 

This unknown and erroneous debt has tremendously, unfairly, and wrongfully decreased my overall credit score!!!

I have yet to receive any signed/written proof, verification of what the debt actually is, nor lack there of, however, every time I see this debt reappear, which just arose a few months ago, the amount owed continues to fluctuate... go figure .... 

I simply can not afford for an erroneous debt and credit agency to ruin my credit and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! 
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Date opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX  XXXX Date XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Requested to remove fraudulent account from my credit report.
Product: Debt collection

TRANSWORLD SYSTEM INC reported a debt in the amount of {$110.00} to the credit bureaus that was opened on XX/XX/XXXX, and I was never notified or received a letter about this debt collection before they reported a collection to the credit bureaus. I have moved out of the apartment on XX/XX/XXXX and called to close this utility bill from XXXX. It is impossible for me to receive any letters if it was sent to that address. Now, this is affecting my credit score because I never received a proper notification from TRANSWORLD SYSTEM INC. I also called Transworld System Inc today to just pay {$110.00} for a pay for delete, but I was told by their representative that they do not do that, so even if I pay for this debt which I have no clue about, my credit will still be affected in a negative way ; this call was being recorded by them as to what their representative stated, and this can be verified by them if they want to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX am writing to report multiple fraudulent inquiries that have appeared on my credit report. I have reason to believe that my personal information has been stolen and used without my authorization. This situation has caused me significant distress, and I am seeking your immediate assistance in resolving the matter. 
XXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/year> /
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my XXXX Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Product: Debt collection

I was served paperwork to be sued in court in XX/XX/2024. I researched the information in the summons. the summons had an affidavit stating that an employee had information on the history of the account and that the creditor had changed names. I mailed the company that represented itself as a debt collector, the credit reporting agency, the creditor at two addresses, and the lawyer on the lawsuit. The lawyer on the lawsuit had originally posed as a debt collector on a charged off account. I sent debt validation letter to ask for a wet signature on a contract with a creditor, the payment history, proof of debt assignment, and any insurance claims filed in connection with said account- please all attached documentation. I was only given a letter stating an amount was valid and the date it opened and the account in question statements and itemized bills. I have a right to request information in relation to the account in question. I have been given the run- around and not a response to my debt validation request that listed specific items that the worker/ employee stated that they have access to in the affidavit submitted.
Product: Money transfer, virtual currency, or money service

A prospective client found me on my website. He asked for my professional services. I quoted my price and he sent a check that I deposited in my Wells Fargo Checking Account. The amount appeared in the Pending Transactions Window for three days. The fourth day, a Monday, it was in the CREDIT COLUMN. I believed the check had cleared. Fraudulent client asked for money back on Tuesday. Tuesday morning the amount was still in the Credit Column. I sent him {$4000.00} out of the {$5800.00} he had sent as I had already started the work.I had a cashier 's check prepared at 1 PM on Tuesday at a Wells Fargo branch and deposited the money at the bank indicated by the fraudulent client. On Tuesday night Wells Fargo informed me the check had not cleared although it had been in the Credit Column since Monday. I sent the money back believing the check was solvent. By the time Wells Fargo informed me that this was not a check supported by funds it was too late. My question is - WHY WAS THE AMOUNT IN THE CREDIT COLUMN OF MY CHECKING ACCOUNT AND NOT LEFT IN THE PENDING TRANSACTIONS WHERE IT HAD BEEN FOR THREE DAYS? Wells Fargo fined me {$12.00} and takes absolutely no responsibility.
Product: Mortgage

For the months of XXXX, XXXX and probably XX/XX/2019 the Mortgage companies blocked my ability to pay online using my bank or thru XXXX XXXX XXXX XXXX my mortgage payments.
Product: Money transfer, virtual currency, or money service

Approximately XX/XX/year> I received my social security check which was promptly sent, unauthorized, via XXXX, out of my account and to someone I did not know.
Product: Checking or savings account

Some one stole my bank and was making despoit on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry on my credit report that I didn't do I need them removed time is of the essence
Product: Checking or savings account

On XX/XX/2021 I submitted a claim to dispute four {$100.00} transactions on my account from XXXX XXXX- a peer to peer payment service. The transaction totaled {$400.00}. Wells Fargo issued a temporary provisional credit but later reversed the credit resulting in my account being overdrawn {$400.00}. 

Upon a review and several calls to Wells Fargo 's Claims Department XXXX Wells Fargo outright refused to investigate the claim because it stated that it was prohibited from opening a claim for peer to peer payment transactions. 

On XX/XX/2021 - two days before XXXX - I was notified by Wells Fargo via email that my checking account was being closed as a result of the overdrawn balance. 

Wells Fargo failed to open a claim against XXXX XXXX XXXX, doing business as XXXX XXXX. 

Wells Faro failed to properly mitigate and remediate these fraudulent transactions even after I advised Wells Fargo that I attempted to resolve the matter with the merchant to not avail. 

I was notified by the Wells Fargo Executive Customer Service they would look into the matter but they never did. As a result of their failure to follow federal laws and a rules and regulations my account remained overdrawn and subsequently closed.