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

This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Product: Checking or savings account

Wells Fargo, inaccurately tacked on over draft fees and continued when funds were available, I also had protection where the the transaction would have to be denied if funds werent available but they disregarded it. It became a bad standing acct, I was forced to settle because they ruined my credit and after addressing these issues it still remains on my credit report. Id like it removed off my credit and reimbursed for the overdraft fees they falsely applied.
Product: Checking or savings account

My account was incorrectly levied by the California Employment Development Department ( EDD ).  Bank of the West withheld the notice of levy for an entire week until after the account had already been incorrectly levied. Had they given me the notice on time I could have notified the EDD to find out what was wrong and fix it before funds were withheld. Due to the extreme delay of Bank of the West all of my bank accounts were in fact levied causing them to be overdrawn and then incur almost XXXX of overdraft and retuen item fees. Even after the EDD notified them that they levied in error they continiued to charge these fees. This was not an oversight on my part or simply being careless with my account. This was an error that was done by the EDD and had bank of the west not held the levy notice for so long it would have been corrected before any overdrafts even occured. Now they have closed my accounts due to these fees and have sent fee amounts to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I have received a phone call from this company during my working hours. I am unfamilar with this company and have never given them my non-public personal information. 

I would like for them to stop contacting me.
Product: Mortgage

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX est Spoke with XXXX XXXX at Shellpoint Mortgage. Advised him that my local DMV had told me that XXXX XXXX XXXX still held the lien to my single wide mobile home. However they sold out to XXXX, then to XXXX which filed bankruptcy. Online search shows all accounts were obtained by Shellpoint Mortgage, but XXXX XXXX said he had no information for our account being in their system. I am in need of an acceptable payoff amount for my account, as I need to sell the single wide mobile home. XXXX XXXX said he had used all the resources there to help me, he was very kind and helpful. We used all information that I had to offer but were not able to resolve who has my mortgage. The balance from the last communication was {$6500.00} or maybe a little more, I can't recall exact amount. 

I need my credit report to show that this debt has been paid and be able to receive my title so that the sell can take place. 

With thanks, XXXX XXXX XXXX
Product: Bank account or service

Citibank somehow put me on my wife 's business account when neither she nor I asked for it, when I was never a signatory and never had access to it, and to top it all off it froze her out.We have been having problems with our accounts since XXXX of 2014.
Product: Money transfer, virtual currency, or money service

Someone incorrectly used my email address when they signed up for the Xoom service, now I am receiving copies of their transactions that go through via email. I called Xoom to have them remove my email address from the account in the name of XXXX XXXX XXXX, and they assured me they would, but I just received another set of transaction details. This is a violation of XXXX 's privacy rights. I have records for two of the transactions XXXX on XX/XX/2019 and XXXX on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

There is some hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX 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/year>
Product: Credit card or prepaid card

Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a form of XX/XX/XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supportingXX/XX/XXXX survivors. We are invoking Section XXXX of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked toXX/XX/XXXX once an official claim has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

had multiple items clear my checking account that had no available funds or overdraft protection called the bank on XXXX XXXX XXXX and spoke with XXXX in the call center who was unable to explain how the items were cleared causing a negative checking balance as well as multiple overdraft charges these are items that i did not authorize and have never been paid in the past when using only a debit card since XXXX was unable to explain to me she transferred me to XXXX at the XXXX branch who told me those funds would clear since i authorized the payment i asked how the funds would clear since i didnt authorize the bank to clear them and now i am stuck with almost XXXX XXXX dollars in overdraft fees on top of the items that clear putting my account at over XXXX XXXX dollars in the negative again she couldn't explain just asked me if i was interested in an overdraft account which i advised i was not i just wanted to know how the funds cleared and she kept asking me if i was authorizing the overdraft fees which made me laugh because why would i finally i explained my frustration and asked for the overdraft fees to be returned and she told me since the items were paid i owed the fees then told me i do have an overdraft of XXXX XXXX dollars but couldnt tell me when i signed up for it i have had a good account and only use it for personal transactions but i feel that once again no one is able to explain after i have not had any incidences on my checking account for some time XXXX could only go back to XXXX where a gas station charge was made and the following day a deposit was made so no overdraft charge was made she explained the overdraft charges i received last week were due to the account not having a balance and in the negative for a few days i told her i knew that thats why i am calling but not getting anyone to tell me how it happened i am hoping this gets to the correct person because i have tried to handle this directly with the bank before making this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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

AssetCare LLC / CapioPartners collection companies placed an illegal medical debt collection in my credit report. I have uninterrupted medical insurance through my employer since XXXX which cover all my medical bills. I never received any correspondence from AssetCare LLC / CapioPartners and found out about when, y credit report was pulled. 

I called their phone number XXXX to inquire about the collection and the representative stated that it was a medical collection from XXXX or XXXX. I told them that I have medical insurance continuous since XXXX, the monthly insurance premiums are taken out directly of my paychecks ( Attached ) however they refused to provide any documentation or acknowledge the fact that I had medical insurance to cover my medical bills. I have written them multiple letters requesting documentation and they have not answered any of them nor provided any documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY, and its affiliate, WELLS FARGO CARDMEMBER SERVICES, wrongfully and deliberately closed my credit card account. Upon doing so, I received deceptive mail fraud from XXXX XXXX XXXX XXXX. indicating that WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY and its affiliate, WELLS FARGO CARDMEMBER SERVICES sold the alleged debt, and have been paid for the alleged amount they assume to be due and/or owed, which is a clear indication of unjust enrichment. According to WELLS FARGO & COMPANY 's XX/XX/2023 10-Q form filed with the Security and Exchange Commission ( SEC ) , page 114, Note 13 : Securitizations and Variable Interest Entities ( VIEs ) Loan Sales and Securitization Activity, it conspicuously states : " We ( WELLS FARGO & COMPANY and its affiliates ) periodically transfer consumer and commercial loans and other types of financial assets ( asset backed securities, credit card applications ) in securitization and whole loan sale transactions. '' Furthermore, page 116, also of Note 13, Transactions with Unconsolidated VIEs OTHER VIE STRUCTURES, WELLS FARGO & COMPANY and its affiliates conspicuously state : " We engage in various forms of structured finance arrangements with other VIEs, including asset-backed finance structures and other securitizations collateralized by asset classes other than mortgages. Collateral may include rental properties, asset-backed securities ( credit card applications ), student loans and mortgage loans. '' Upon establishing the credit card account with WELLS FARGO & COMPANY and its affiliates, WELLS FARGO & COMPANY and its affiliates, bought, sold, converted, transferred and traded the credit card application ( asset backed security ), also known as commercial and chattel paper, into a security to be bought, sold, pooled, invested and reinvested on the prime and secondary markets in both the public and private sectors. A forensic XXXX audit locating the XXXX to the credit card application ( asset backed security ) and credit card account can and will confirm. Therefore, as an investor in WELLS FARGO & COMPANY and their affiliates, I am due equitable compensation. Regardless of the reason ( s ) the account was closed, I have the right to credit. Withholding my access to my securities is securities fraud. WELLS FARGO & COMPANY and its affiliates are knowingly and willfully operating in dishonor, unjustly, in bad faith and with unclean hands. If we are unable to reach a fair and reasonable agreement within the next 30 days, I will have not other choice but to pursue legal action.
Product: Money transfer, virtual currency, or money service

Zelle was being used and not truly verified amount of money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong. 

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late 120-day? Clearly, this shows inaccuracies. 

TransUnion also missed reporting the monthly payment, credit limit and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries from XX/XX/XXXX through XX/XX/XXXX need to be deleted they were made by an unknown person that obtained my personal information Attached : Police report IDTheft Affidavit SSCard copy DL copy