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

No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

This has been going on for years. I have started questioning in the last 5 years. At one point one of these people took {$1000.00} from my checking account. I think I have my bill paid and suddenly Im paying at the end of the month for something I paid for in the almost the middle of the month. And when I call them on it they say a company I purchased from can take 3 days or 30 days to submit the purchase to them ( the credit card company. ) and they cant tell me what was purchased only that a purchase was made on a certain date. So I have to trust the process like the process cant be corrupted or abused or mismanaged! XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...
Product: Debt collection

I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor Lending Club.
Product: Credit card or prepaid card

XX/XX/XXXX : Received email from Discover regarding " Earn a {$45.00} statement credit this holiday season when you activate your offer and sign up for a new {$45.00} XXXX XXXX membership online or in club with your Discover card, nowXX/XX/XXXX. '' XX/XX/XXXX : Relevant purchase posted to credit card. 

XX/XX/XXXX : Contacted Discover customer support regarding statement credit not having posted. Escalated to a supervisor. Discover claimed I must not have met one of the conditions, but was unable to specify which one, and refused to credit my account.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX Shopping. 

I checked out using XXXX. It turns out that this website is no longer live. In fact, the XXXX   payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am saddened that both Discover and XXXX  have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on XXXX  and Discover for being foolish enough to allow consumers to be defrauded by a XXXX scammer.
Product: Mortgage

The company ... Loan Care ... sent me a letter stating that the problem with them not applying my payment correctly was corrected ... It has NOT been corrected ... .my complaint previously thru you is # XXXX ... .I am having more problems and have received a letter stating that account has been corrected with a letter sent to me by XXXX XXXX XXXX of XXXX XXXX  and LOAN CARE .and that is NOT the case ... I can not log onto the website to check my account as it is preventing me saying I am past due with my payment ... again ... .not true ... ... please help me as my next step is legal ..this is causing me great anxiety and stress ... ..the mistake is from XX/XX/2021 and I can not understand how the problem is taking 4 months to correct ... My XXXX payment was received on 3-23 and incorrectly posted to principle ONLY ... .instead of principle and interest ... downhill from there ... all future payments have been sent but still posted incorrectly ....
Product: Checking or savings account

I would like to give you my opinion after 2+ years of experience in contact with Wells Fargo Customer service about the same issue that never resolved yet.

This complaint is about THE WELLS FARGO CUSTOMER SERVICE.

I was told in writing buy Wells Fargo So calle
d ECMO ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. 
Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) which IS NOT Wells Fargo Bank, to answer the complaints of the customers without any supervision or management by Wells Fargo.

The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer 's information, anyone who has access to their homes will have access to their computers and then will have access to our accounts.

Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolution, all thy can do is copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it.

Those ECMOs makes it more interesting when they send you an answer for someone else 's complaint or when they sound drunk or sleepy in their answers. And I do not thing a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers.

DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE 'S RESIDENTS ALL OVER THE WORLD? 
What do you expect from this bank who does not even have an email address for their customer service in this 21th Century!

Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt
Product: Credit card

On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance ''
Product: Debt collection

Debt Recovery Solutions is not licensed to collect in the state of Texas. I have requested validation of this debt and have not received anything.
Product: Debt collection

I assert that I am not legally responsible for the alleged debt associated with XXXX  Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and CREDENCE RESOURCE MANAGEMENT LLC. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by CREDENCE RESOURCE MANAGEMENT LLC.
Product: Credit reporting or other personal consumer reports

all of these accounts are fraud that i came across i now have a identity iq that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX XXXX XXXX XXXX also same company again XXXX XXXX XXXX  XX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX 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: Debt collection

Today I noticed a charge on my bank account that says : legal order debit Zwicker and Associates XXXX XXXX case XXXX If it is a legal order : I was never served nor did I receive any notice or demand notice. How can they access my account if I don't even know what it is? I assume this charge is from a person who contacted me on XX/XX/XXXX named XXXX XXXX, for a business loan I applied for in XXXX that I was unable to repay because the business went out of business. Doesn't the state of Florida have a statute limit on debts for 5 years? Today someone named XXXX XXXX from XXXX XXXX tried to contact me threatening to file a XXXX XXXX Attempt on my account if I did not send money immediately. I no longer know what this is about, what to believe or what it is really about. They have not sent me the order from the judge that would allow them to access my bank account and take my money. But their techniques seem to me unfair and outside the law : I would like to solve this with a lawyer ( although I would have to spend money that I don't have ) and not have to deal with people who keep threatening you and treating you like a criminal, just looking for the opportunity to threaten and intimidate you. Besides, in my case, English is not my mother tongue and I don't want them to take advantage of some misunderstanding to continue harassing me. That is why I am seeking the intervention of a third party and I would like you to help me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from US Auto Sales. I had full coverage with XXXX and the gap coverage from US Auto Sales. I ended up totalling my car around the end of XXXX this year. XXXX covered their part and gave them their check. When it was time for the gap to cover the rest, that's when I found out they just got bought out by Westlake Portfolio! Who, while still in transition, is missing a lot of paperwork and doesn't know ANYTHING about my gap coverage with US Auto! Luckily, I happened to have a copy of my gap in my new truck. So I proved to them that I had it, and they told me that I'm all paid up and my balance was XXXX. That was around XXXX or XXXX. And now, on Saturday, XX/XX/XXXX, they send me an email telling me that I still owe {$2700.00}! And it's going to go up everyday XXXX until I pay it! They told me to check with XXXX XXXX, who is in charge of my gap coverage. They told me that I was correct, and that the rest of it should be covered by the XXXX. So I gave them a call. And they told me that they don't mind paying it, but they don't see anywhere that they had to. And all I need to do is show them in the contract and they will. XXXX XXXX say that they don't have the contract, and I should call Westlake, because they are supposed to have it. I call Westlake, and guess what...??? They don't have it, either! And had the nerve to tell me that they are going to email US Auto Sales and try to get the information. ( How are you going to email a company that you've taken over and no longer exists )! So now, I'm stuck in this situation and I have absolutely NO IDEA what to do! Please help me ... if you can.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX  / Account number - XXXX XXXX  XXXX / Account number - XXXX XXXX  XXXX / Account number - XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXVOriginal creditor : XXXX XXXX XXXX / Account number XXXX XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX. / Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX  / Account number - XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX. / Account number - XXXX INQUIRY XXXX XXXX  XXXX Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit card or prepaid card

My name is Ms XXXX XXXX XXXX and my number is XXXX. 



There are 10 transactions for {$190.00} each that was made on my account that needs to be investigated because I DO NOT know this individual. 

I have been trying to get in touch with someone through PayPal about these charges before they reached my bank. The transactions seem to appear after XXXX in the morning when I'm in bed. I did not lend out my debit card nor authorized ten ( 10 ) transactions back to back for the same amount. This is not anything that is normal on my account and I can not reach a live person for assistance. I have tried and still can not get anyone on the phone to handle this issue which began early Friday morning. 

This fraudulent activity could have been caught if someone was available to assist me at the time that I caught the transactions. I would like to have the individual charged for stealing from my account but I don't know where to start and that is why I'm here.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report. My dispute letters have been created using accessible software available to everyone. Refusing to process or address my letters violates 15 U.S. Code 1681i. It is unlawful to delay processing consumer letters based on an assumption of third-party assistance, as this does not qualify as a legal exception.

I am the sole author of my letters, or they have been written with my full knowledge and consent by my advisors. There is no requirement for a Power of Attorney to process consumer letters. Any failure to process my letters promptly will be seen as a deliberate disregard for my consumer rights, and I will pursue legal action.

According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being used by creditors. The allegations of delinquency and derogatory information against me are false, and I will not tolerate misinformation affecting my financial history. These allegations do not meet federal or state reporting requirements and can not be substantiated. 

The XXXX data breach has led to fraudulent items appearing on my credit report, which I do not recognize. I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable as per 15 USC 1681 602 ( a ), which guarantees my right to privacy. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years, except for criminal convictions. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing information known to be inaccurate.

I request documented validation of the authenticity and lawful use of the information on my credit report. As per the Fair Credit Reporting Act and 15 USC 1681 604, all users must have a legitimate purpose for accessing consumer reports. My report contains inaccurate personal information, late remarks, and unauthorized inquiries.

This notice serves to inform you that any delay in processing my letters will be viewed as a violation of 15 U.S. Code 1681i, and I will seek legal recourse. The accuracy and compliance of your data are your responsibility. Please ensure that all claims are accurate and reported in the appropriate format as mandated by the FCRA and XXXX XXXX standards. 

I expect this matter to be handled with the utmost care and diligence.