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

Background : My father and I have exactly the same name, except I am XXXX and my late father was XXXX   ( Neither one of us typically use XXXX or XXXX ). My father & mother opened a joint credit card account in XX/XX/XXXX. My father then passed away in XX/XX/XXXX. My mother kept that joint credit card open. My mother passed away in XX/XX/XXXX. When I went to her bank branch to inform them of her death, the customer service rep. wanted me to prove my identity and asked for my drivers license and verify my social security number while he typed away on his computer. Our attorney probated legally probated her estate with proper notification to creditors in the papers. The bank put in a claim against her estate for the joint credit card in my parents name. The attorney contested the claim giving the bank the opportunity to re-state their claim. The bank did not reply within the legal timeframe and lost out on their claim. Several months later I got my parents credit card bill mailed to my home address with my name on it. Since I also had a checking account at the same bank as my parents and had given the customer service representative my social security number, they had all my information. When I contacted the bank about my mother and father 's credit card bill, they stated that it was MY bill with MY social security number on the account! Someone at the bank had illegally changed their electronic records and changed my father 's social security number to mine. I sought the advice of an attorney who wrote a letter to the bank demanding proof of the debt and all they could provide were past billing statements that were sent to my mother 's address but suddenly had my name instead. I have fought and fought with the bank and they wrote off the debt in XX/XX/XXXX, but also turned it over to a debt collection agency. I have had several of them contact me or sell the debt to other collectors. This has hurt my credit as well as caused me a lot of emotional stress especially after burying my last parent. The bank refuses to give me the original documents that my father and mother signed which would show his signature and social security number. And I did not " Co-Sign '' their credit card. What the bank did is illegal. Bank of America did remedy the original complaint and removed the debt from my name and the 3 Credit Reporting Agencies. Now Bank of America has reported to the 3 Credit Agencies the " Write-Off '' of {$5500.00} to MY Credit affecting my credit and score again. The Write-Off should not be under my name as the original credit card debt was not mine, it was my parents as originally stated in the first complaint. Also, when I applied for a Credit Card through Bank of America I was denied because of this write-off.
Product: Debt collection

I have been reaching out to all three credit bureaus : XXXX, XXXX, and Transunion, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX  Acct # XXXX debt for {$760.00} XXXX XXXX  ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX  Acct # XXXX debt for {$760.00} Fraudulent Accounts that Transunion are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX and XXXX have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I attempted to purchase a puppy through a listing on XXXX. I contacted the sellers, who initially seemed legitimate and responsive. After agreeing on a price, I sent {$150.00} via a payment method they specified to secure the puppy. However, once the payment was made, the sellers became unresponsive. They changed their contact number and name, making it impossible for me to reach them. Realizing I had been scammed, I immediately reported the incident to my bank, Wells Fargo, requesting assistance in recovering my funds. Despite providing all necessary details and evidence of the fraudulent transaction, Wells Fargo has not taken any action to resolve the issue or help me recover my money.
Product: Mortgage

after applying for a short sale with Wells Fargo my client received the written short sale approval which I have attached. in compliance with the approval we found a buyer that met the requirements set forth in the letter. Subsequently I received an email from the negotiator that there had been changes to the XXXX guidelines and that the minimum net proceeds were increased. when I emailed that I had the XXXX she said she would have management review and approve the sale the way I submitted it. Later I received an email that the file was approved and I would receive the approval. that email is also part of the attachment. since then I have called numerous times and been told the file is still in review. This is outrageous and actionable. I need someone to open a case into the information Wells Fargo is providing to consumers based on their inability to pay and the outright lies being perpetrated on their borrowers
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX LA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Credit reporting or other personal consumer reports

1- On XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX XXXX credit without my consent. 

2- On XXXX XXXXXXXX XXXX the XXXXXXXX XXXX  XXXX Inquiry my credit without my consent.
Product: Debt collection

I already paid the debt to the original credit but this collection company continues its efforts to collect a debt not owed, thereby hurting my credit scores and credit report preventing me from qualifying for credit or housing.
Product: Credit reporting or other personal consumer reports

There company 's wrongful doing in controlled of my credit score report informations.

Banks approval loan, i early paid loan before due date. attempt for 2nd loan it was disapproval, so dey sent me to another bank under same name of operation so the can pull from my credit heavly also and approval a loan.something not right.even other companys tranfer my credit information unlined to other agencys of order which burden my credite score heavy.Need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 XXXX for some time now and this information is inaccurate
Product: Debt collection

Called my roommates phone asking for myself saying they had legal documents and were trying to verify address. Friend handed me the phone and I would not verify ssn number, but did verify address. Later in the day I called on my number and XXXX knew who I was ( so it proves they had my number ) and I asked if they had my number why are they calling friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

April 19,2017 08 Synchrony Bank {$320.00} account file # XXXX. In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXXSynchrony Bank 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 an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not removed.
Product: Debt collection

I have notified them several times that this Account does not belong to me and its been a collection
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I've been in the process from closing on a refinance with XXXX XXXX XXXX. Part of the refi includes paying off my TD HELOC ( account # XXXX ). XXXX XXXX XXXX and I have made several attempts to obtain a pay-off from TD Bank and TD Bank has refused to send me or XXXX XXXX XXXX the pay-off. As a result, I've been unable to close on my mortgage refi with XXXX XXXX XXXX. I stressed the importance of this when I spoke to TD Bank on XX/XX/2019 and was told a pay-off would be faxed to me at XXXX. 

This is the second compliant I have had to file concerning TD Bank. I feel that they are deliberately making it difficult for me to pay-off my HELOC and close on my mortage with XXXX XXXX XXXX. My previous CFPB complaint also resulted from general payment issues to TD Bank. XXXX was the last person I spoke at TD Bank Mortgage Servicing ( at XXXX am on XX/XX/2019 ) who again gave me the run-around saying a " request '' needs to be submitted to the " Pay-off '' department in order to obtain the pay-off. This was the SAME story given to me on Monday, XX/XX/XXXX and the fax was never received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Sec. 602. I have the right to privacy. 15 USC 604 Sec. 2- A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( b ) A creditor may not treat a payment on an open credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/XXXX, I received via mail a letter package of frivolous letters dated XX/XX/XXXX and XX/XX/XXXX, along with documents that Selene has had since XX/XX/XXXX that allegedly they claim they did n't received and/or missing pages which prompted my first complaint in which Selene continues to falsely claim they did n't received pages and/or missing pages to the new, pages not readable. This is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property. As I stated in my complaint, case number XXXX, on XXXX XXXX, 2016, Selene is intentionally prohibiting the sale of the property in which Selene has had a legally executed real estate sales contract for the property since XXXX. 
Moreover, on XXXX, I spoke with XXXX who serves as a Selene Customer Service Representative. It was confirmed by XXXX that the documents my Realtor, XXXX emailed to XXXX again on XXXX, via XXXX letter of " short sale '' dated XX/XX/XXXX, was received on XXXX and XXXX confirmed the documents were readable and she would send an email to XXXX XXXX to call me ; needless to say, she did not return my call ( XXXX recorded conversation of XXXX ) in which Selene states their calls are recorded. 
Once again today, my realtor XXXX XXXX has emailed and faxed these same documents per XXXX XXXX 's letter of short sale dated XX/XX/XXXX. 
These frivolously letters and the falsely claim of not receiving pages and/or missing pages to the new, pages not readable is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property.
Product: Checking or savings account

Basically what happened was usdirectexpress. Let v someone inn Virginia accessed my acct. taking close to XXXX dollars. Then locking me completely out of my acct for XXXX months now. I contacted the XXXX XXXX XXXX. They told me I o can not file a complaint until I provide bank statement from us direct bank. I am completely locked out of my acct. Direct express bank statement to my own acct. I am starving and broke and rent i due. They are going too me homeless.
Product: Credit reporting or other personal consumer reports

History of several disputes with XXXX and XXXX to investigate and remove inaccurate information. Please see all previous complaints made with CFPB as a reference and proof that I was a victim of these agencies sham investigations.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my ongoing frustration with EXPERIANs blatant disregard for my prior requests and their failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ). Despite my previous communications, EXPERIAN has not removed the disputed items from my credit report as I requested. Not only has my request been ignored, but EXPERIAN has also failed to provide any response or explanation as to why the items have not been corrected or removed. This inaction directly contradicts the requirements set forth under Section 1681i of the FCRA, which mandates that credit reporting agencies conduct a timely and thorough investigation of any disputes and resolve the issue within 30 days. Their continued negligence in addressing these issues is both frustrating and unacceptable. 

As a result of this failure to act, I am once again requesting a formal reinvestigation of the disputed items, which I believe to be incorrect and in violation of the FCRA. The items in question have been found to be illegal and erroneous, and under Section 1681e ( b ) of the FCRA, EXPERIAN is obligated to maintain accurate and complete information in consumer credit reports. Therefore, I am requesting that these items be permanently blocked or deleted from my credit file. Failure to address this matter promptly may force me to take further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing other remedies available under the FCRA. I trust EXPERIAN will act swiftly to resolve this issue and comply with the law moving forward.