23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX,, 2024 I was setting up to replace my hearing aids at Hear Again where I had previously purchased them over three years ago. These were a lot more expensive and my audiologist suggested applying for the XXXX XXXX XXXXXXXX XXXX XXXX which was listed on the purchase agreement as one of the forms of payment other than cash, check, or credit card. 
I did apply, however, several hours later received a call from my audiologist to contact Wells Fargo about a problem approving it. In the several weeks following, I have called and received calls from them without any explanation other than being told they could not " identify me ''. The last phone call on XX/XX/XXXX, as well as the e-mail yesterday, were from XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, ext XXXX. 
The e-mail indicates the reason : " unable to authenticate identity of applicant ''. It also indicates my XXXX XXXX at XXXX and yet they indicate " No factors are available '' negatively affecting my XXXX XXXX. 
I have sent for a hard copy of the XXXX report ( XXXX pages ). This is upsetting to me and I want to understand what was WElls Fargo reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 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: Debt collection

I sent a response letter to collection company LVNV when 1st started collecting and advised rep over the phone that what ever this credit or loan is was not opened by myself or authorized by me. I thought then it was handled and then my son gave me some papers a guy dropped of at our house 3months previous he had forgotten to give me and placed on top of entertainment center. I sent in copy of letter to courts that I sent to creditor months previous. I called company again and they gave no attempt to assist me and was advising me it was proved to be mine and my debt. That is 100 % incorrect. Then next communication I recieved was by my employer advising me of garnishment papers so again i appeared in court but they did not, I was again trying to attempt to get this incorrect collection out of my name and attempt to get the debt placed on the correct person that opened it. I advised both collection and attorney 's office that this must be a case of identity theft or an error by creditor because I was in the process of forclosure and sale of my home and spent about 2 out of the past XXXX unemployed with XXXX income and wouldn't have even attempted to apply for any loan or credit knowing I was without income and my credit history the past 3 yrs. I am not sure how this creditor could have possibly approved anything under my social due to scoring and past due student loans. I have no other tradlines or credit or payments once again due to the lack of income and credit trouble. This is not my account or debt or credit witch ever it may be. I am not even aware nor have I ever heard of the Creditor and I don't even know the kind of account they are trying to garnish for or when the account was opened or what the amount owed is because It is NOT my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I believe that the credit reporting practices involving my personal information may have violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the collection and dissemination of consumer credit information. 

As per the provisions of the XXXX Act, specifically 15 U.S.C. 6802, I did not authorize the release, sharing, or use of my financial information by your institution or any affiliated entities.

Under 15 U.S.C. 1681b, you are prohibited from obtaining and furnishing my personal credit information without my express written consent. I hereby affirm that I have never provided written consent for any party, including your agency, to obtain, access, or furnish my credit information. 

Delete any erroneous or unverified entries in my credit file that are a result of non-compliance with the requirements under 15 U.S.C. 1681b.
Product: Checking or savings account

XXXX XXXX XXXX wrote a check to myself and my ex husband for XXXX. My ex endorsed the check but I did not. He deposited the check over the mobile banking system at Wells Fargo on XX/XX/2023. XXXX- the bank that wrote us the check- provided me with cleared check copy. They told me Wells Fargo should not have cashed the check but because my ex cashed it via mobile deposit it wasnt caught and that I needed to notify Wells Fargo. I brought the check copy to my local Wells Fargo Branch and the banker told me Wells fargo had the right to assume an or was on the check. There was no or. The banker told me I had to go to my ex. I asked my ex husband to give me half the proceeds as we agreed we would in our court order and he disagreed. Is Wells Fargo liable to me for the my court ordered portion of the funds? Note - my name officially changed from XXXX XXXX XXXX to XXXX XXXX XXXX about a month ago and I am still processing the changes.
Product: Money transfer, virtual currency, or money service

I was contacted by a man on XX/XX/XXXX, said he was from XXXX  XXXX XXXX. He said someone was wiring money {$8700.00} and I needed to complete this wire that I have never done before. He said it was the only way to catch person getting my money is to see where it went. At my local XXXX  XXXX XXXX, they showed me where my money went to a Sofi bank. But Sofi bank denied my money back. XXXX  XXXX XXXX never sent me a alert text on this wire transfer but has sent me alert on suspicious activities.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i checked my credit report XX/XX/XXXX and noticed there was fraudulent accounts opened up XX/XX/XXXXXXXX XXXX
Product: Mortgage

Bank of America - attempt to get a mortgage rate modification Case number : XXXX On Page XXXX of Proposed Resolution Letter Final with Enclosures, referring to the paragraph " Our research confirmed ... '', I was unable to pay such an astronomical amount to reinstate the account. This is their reason for attempting to foreclose and take the house from me. The lawyer ( referred to below ) advised me otherwise regarding making payments, submission of required documentation, and qualification for a loan modification which was reversed several times. In addition the bank tried no less than 20 times to foreclose during this period when they did n't give me a chance to try and make payments, because they wanted an astronomical amount to reinstate and yet also unfairly disqualified me. 
This is unfair and will appeal this outcome until I am properly recompensated. Please also contact the attorney below who claimed he was trying to work with the bank on my behalf. 

XXXX XXXX, Attorney -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Virginia XXXX Office XXXX Mobile XXXX Mobile XXXX Email : XXXX XXXX ( Assistant ) -- -- -- -- -- -- -- -- - XXXX Non-Attorney Staff Member XXXX Virginia XXXX Office XXXX Fax XXXX
Product: Checking or savings account

Opened a savings account on XX/XX/XXXX with a promotion to get {$200.00} if I deposit {$15000.00} and keep it in the account for 90 days. I was also to get an additional {$100.00} for meeting both the savings and checking bonus. I have been credited already for the checking bonus of {$300.00}. My money was deposited on XX/XX/XXXX and I should have received my {$300.00} ( XXXX ) 90 days later. I keep getting the run around on why it has not appeared in my account. I am getting told that it was never initially applied even though I have screenshots saying it was and have screenshots of the promotion. I am told that I have to wait another few months before the 90 days is up to receive my promotion. Keeps getting bounced around to agents who don't seem to understand what is going on.
Product: Debt collection

This company was abusive to the collection of debt that has been cancelled by the creditor with a1099c I been asking for a copy for months never received one. They were mailing information to XXXX party family members addresses calling texting frequently on the same day. I loos my livelihood during Covid I was in XXXX XXXX in nyc and lost all 3 once my locations due to visitor restrictions
Product: Checking or savings account

XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX. 
XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XXXX. Total {$14000.00}. ( XXXX ) These are the claimed transactions, we want them to be reversed since we fell into a scam company and several payments were made because we did not know that this company was fraudulent.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto Loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Child support account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I dont own money to this company I C System please send me evidence to my address that I owe This company with evidence that i XXXX XXXX signed this contract. Again I dont own {$380.00} to this company. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX take notice of EXPERIAN FAILURE TO ACCURATELY MAINTAIN MY CREDIT REPORT. XX/XX/XXXX, Experian I have attached XXXX screen shots from your website that show disputes of a account from XXXX XXXX XXXX. Check the dates please. As you can see the XXXX XXXX account was removed from my consumer credit report in XX/XX/XXXX. I checked my Experian consumer report again in XXXX of XXXX and noticed the XXXX XXXX account was back on my consumer report. I disputed it again and received a message from Experian today XX/XX/XXXX that the XXXX XXXX account has been updated and is still on my credit report ( AGAIN ). BY LAW A ACCOUNT CAN NOT BE PUT BACK ON A CONSUMERS CREDIT REPORT AFTER IT HAS BEEN REMOVED. REMOVE THE PORTFOLIO RECOVERY ACCOUNT AGAIN PLEASE. The fair credit reporting act 15 U.S code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint regarding a data breach involving Experian that resulted in my personal information being compromised. As a result of this breach, my credit report has been impacted by inaccurate and fraudulent accounts that I did not authorize or open. 

Specifically, I have identified the following fraudulent account that I am requesting to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$1200.00} This fraudulent account has negatively affected my credit profile, and I am requesting an immediate investigation and removal of this account from my credit report under the Fair Credit Reporting Act ( FCRA ). I have never applied for or authorized this account, and its presence on my credit report is a direct result of the data breach. 

I request that Experian, as well as any relevant financial institutions, take immediate action to rectify this issue by removing the fraudulent account and ensuring my credit report is accurate. Please provide a response detailing the steps being taken to resolve this matter. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, Experian and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Product: Debt collection

I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.

I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CREDCO XX/XX/XXXX, CREDCO XX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, CREDCO XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XX/XX/XXXX, CREDCO XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to address issues concerning accounts labeled as late payments that are reporting inaccurately on my credit report. Despite my history of consistently making responsible and punctual payments as a loyal customer, these accounts are inaccurately depicted as delinquent. This misrepresentation is unacceptable and requires immediate correction.
Product: Debt or credit management

I used Lexington lax to fix my credit and I paid all that money and nothing never happen. evetime I called them to ask what's going on the only answer I got was it will take time but i never saw any results but lost my money, my hard-earned money. I would like for them to pay me back all that money I spent
Product: Consumer Loan

i was injured on the job 1 year ago.got in touch with the company and explained my issue and they said they had a program to help me repay the debt. I just had a XXXX XXXX XXXX XXXX 2015 prior to the XXXX i i set up a hardship repayment program loan with elan fian co and after i made first payment as we agreed over the phone. i found they were still reporting me negative to the credit bureaus and then the original monthly payment amount changed and they could not validate/explain to me why. I have hired XXXX to help with the situation. i changed my phone number because they were calling and harrasing me 7 days a week well today they got my new number and are doing the same thing again. I cant recover from my XXXX XXXX and worry about this company trying to collect a debt that i did not agree to the new terms the changed without my consent please help me. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a charge off account with Transunion and XXXX  for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?
Product: Debt collection

On XX/XX/20 at XXXX p.m. I was called by someone asking for a XXXX XXXX. I told them that this was not that parties number. The person advised me the call was being recorded. She said she would not remove my number unless I confirmed or denied if I was XXXX XXXX. I asked if they were a debt collector and they would not tell me. I have never co-signed or otherwise had any debt with a XXXX XXXX. The fact she refused to remove my number is illegal in it's own right. So at XXXX I called back and spoke with a XXXX. I asked him who he worked for and he said Unifin. Unifin is a debt collector and this is another clear violation. They were using a spoofed number of XXXX, however once he gave me the name of his company I figured the rest out. I did record the call as well, but can't attach it for some reason.
Product: Debt collection

A debt Validation letter was sent to the company on XX/XX/2021 and was received by the company on XXXX.No response has been sent back to the consumer. The creditor also has not notified the credit bureaus that the debt is being disputed. This debt is unfamiliar and needs to be cleared up.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of these inquiries, as I have no knowledge of them, and the company conducted them without my consent.