23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/, at XXXXXXXX XXXX  I receive a call from Wells Fargo Bank from a woman saying that someone used debit card in a store in XXXX, Texas. XXXX, XXXX gas station and XXXX. She asked me if I knew anybody in Texas and I said no. After we hung up my wife suggested going to Wells Fargo Bank to stop any kind of activity or transaction regarding our savings and checking account. 
The same day at XXXXXXXX XXXX I was at the Wells Fargo Bank XXXX XXXX XXXX. XXXX, CA XXXX and spoke to the branch manager and explain about what happened in the morning. She checked my savings and checking account and said as of now no transaction or activity was going on for both my savings and checking account. She gave me a Wells Fargo phone number to call and follow up to freeze both of my accounts. 
I requested to change both my account numbers ; she told me that she will set me appointment the next day XX/XX/XXXX to the person who handle the new account. 
My wife and I were waiting for our meeting to open a new account number at XXXX The manager told me that someone made a wire transfer for the amount of {$8400.00} from my Debit card I called Well Fargo Fraud Protection to explain and find out why the transaction went through since I called yesterday morning to cancel all activity. 
If the manager of the bank change my account and follow up my request to stop all transaction that day of XX/XX/XXXX I still have my retirement savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will NOT supply a free credit report. 
I paid them for a couple of month to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report.

My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. 
Transunion should not be allowed to have an effect on anyone 's records.
Product: Student loan

I called multiple times prior to the due date of my loan in addition to monthly calls to be placed on a processing forbearance, however given my limited time schedule and their limited availability I keep getting transferred between customer service reps. I have asked multiple times to be placed on a processing forbearance for an extended amount instead of wasting up to XXXX hours of my week waiting for a representative each month. This is reprehensible. I am literally a doctor, this is a colossal waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act, I am submitting this CFPB complaint to ask the credit bureaus to delete the inaccurate accounts from my credit file. All of this has been a struggle, therefore I am filing this CFPB complaint to ask the credit bureaus to stop reporting the inaccurate accounts to my credit file. I am now requesting further information about these specific items in question since I am not confident that enough was done to genuinely contact the creditors/agencies who are reporting this information on my report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00}. Please conduct another investigation and send me the credit history as shown by the merchant 's letter that is connected to my credit report.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Mortgage

My home loan servicing company was transferred in XX/XX/2022 from XXXX XXXX to my current servicing provider, XXXX. All payment amounts and information were transferred as is and I had made every payment required by the prior servicing company, XXXX. Unbeknownst to me there was a shortage in my escrow account. When the new servicing company, XXXX, acquired the loan, they assumed the risk as is with no due diligence or review on their end and even more so, no notification to me that there was a potential problem. Fast forward towards to the end of 2022 and I receive a letter in the mail notifying me of the shortage amount of {$3400.00} and that I will be responsible for paying in increments over the next XXXX  months, thereby significantly increasing my mortgage payment. I called XXXX to help explain the situation. After reaching several different levels of customer representatives, I finally reached a XXXX XXXX at XXXX who helped explain the situation as a mistake made at XXXX when calculating my escrow balance and funds needed. My complaint, and what I am looking to resolve, stems from the fact that this error made was on the mortgage servicing provider. Both XXXX, who originally calculated it incorrectly, and XXXX, who assumed the risk as is with no due diligence and failed to ever notify me of a shortage so I can take earlier steps to rectify. I am asking for the relief of the full shortage, {$3400.00}, as to make me whole of a mistake made by the company, not the home owner. Thank you.
Product: Debt collection

I'm a victim of identity theft. I've contacted these companies countless times asking for purchases agreements, and they have failed to send me any documentation. I started reaching out in XXXX of this year I even waited 30 days called back and still nothing. I just want this issue resolved and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing ftc vioalations proven 
filed ftc also XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the 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 reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

The account with XXXX XXXX is not my account. I have contacted verizon on multiple occasions requesting a copy of the original contract which should include my wet signature and a picture copy of my ID. I have not been provided with this information. Please provide this information within the guidelines stated above according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claimed that XXXX XXXX to reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. 
XXXX  placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX XXXX this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX card would take my closed XXXX balance to XXXX. 
XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Hello i have tried to resolve this matter going on a year now and what seams to be happening is my claims of fraud are getting mixed up with claims that the thief made on my accountback in the begining of pandemic i applied for unemployment back in XXXX or XXXX of XXXX right after i applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the remainder of XXXX well when i got home from hospital i didnt have any mail from edd so i assumed maybe i didnt get approved and back then you couldnt get a real person on the phone at all so i gave up trying to call then XXXX of XXXX comes around and i get a letter from IRS saying i needed to do taxes on all these funds i received from edd so i called and spoke to someone who confirmed that indeed i had a open account and i should call bank of america so i did and they also confirmed that a card was activated and used on my account so i got tranfered to the claims department and they told me that the person had drained my account and the thief had the nerve to open several fraud claims on my account now here i go opening up my claim which is for the transactions done between XXXX of XXXX thru XX/XX/XXXX and my claim keeps getting denied because they keep saying that they already paid me for this claim but no they paid the person who stole my account back all that money and the thief spent all that money and so i just need them to actually take the time and read my complaint and they would know that i barely found out about all this in XXXX of XXXX so if they can please not just auto deny my claim and actually see the notes on my claim this is so frustrating but i cant give up im enclosing a copy of the last denial they sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681a ( 2 ) ( i ) clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; I have attached a copy of your previous communication to me through the CFPB where you admitted to furnishing EXPERIENCES between your company and me the consumer. This is expressly excluded from the consumer report. No late payments ( ir : experiences ) should be reported on my consumer report by your company. You are in direct violation and will be subject to criminal and civil penalty if you fail to comply with the legal terms of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached XXXX
Product: Credit reporting or other personal consumer reports

My student loan account with XXXX appears on my TransUnion credit report twice. Please see pages XXXX and XXXX of the attached report. This makes it appear as though I owe double the amount that is actually owed. I have ONE student loan account with XXXX, not two. One of the entries needs to be deleted from my report. I have attached my ID, my social security card, and a recent utility bill to verify my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect
Product: Money transfers

On XXXX XXXX, 2016 I went with my mom to send a Moneygram costing altogether {$190.00} to some people who said they can make medicine from XXXX, XXXX. I visited their website & I thought they looked trustworthy not knowing they were not at all. I sent the money & tried calling them. Their phone was off but he could text. He said the package was on XXXX & he needed {$100.00} more for a shipping agency. I just cancelled & said I wanted a refund not knowing it was a scam. I called Moneygram but they were no use. So it was a scam the whole time, but I need to get my refund back as soon as possible.
Product: Credit card or prepaid card

Someone else opened up account with Asipre credit card in my name without my permission. I wasn't aware of it until I received the bill. I contacted the card company and made them aware. 
They questioned my about everything. I found out threw them that the account had a different phone number and email attached to the account and I was unable to get any other information about the account. I couldn't even find out what was purchased and from where is was. 
So this went on for six months. 
Until it was put into collections. The card company took my information and used it against me. When I wasn't able to access the account and I also requested proof of purchases from the charges that I have attached to my name. I contacted the credit report agency to dispute the charges and I am still trying to find out why I am responsible for this account. 
Can you please help me in this situation on finding out what is happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I sent a Notice of Dispute regarding fraudulent accounts on my consumer report to XXXX Fraud Department via certified mail ( Tracking # : XXXX ), delivered on XX/XX/year>, at XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite this, my follow-up on XX/XX/year>, with XXXX XXXX ( ID : XXXX ) was met with rudeness and no assistance. Escalating to Agent Dev ( ID : XXXX ) and Supervisors XXXX ( ID : XXXX ) and XXXX ( ID : XXXX ) yielded no clarity. On XX/XX/year>, I spoke with Agent XXXX ( ID : XXXX ) and Supervisor XXXX ( ID : XXXX ), with similar unproductive results. I reported this to the police, and a report ( # XXXX ) was included in my original certified mail. 

XXXX negligence and unprofessionalism caused extreme XXXX, leading to an XXXX episode, a hospital visit, and ongoing therapy. 

I demand immediate acknowledgment of my dispute, a transparent reinvestigation of the fraudulent accounts, and compensation for the harm caused. If unresolved, I will escalate this matter legally under the FCRA and state laws.
Product: Debt collection

Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.
Product: Mortgage

My mortgage company is Planet Home Lending. In XX/XX/2021 they recalculated my mortgage payment due to my receipt of XXXX XXXX  VA XXXX and waiver of my requirement to pay property taxes. My payments were now principal, interest, & homeowners insurance. The correct amount I have consistently paid on time since XX/XX/2021. Planet calculated incorrectly and, despite paying the correct amount on time, Planet continually has reported my payments late. I tried contacting them over the past months and I am left on hold for an hour or more. When finally reaching someone in XX/XX/2021, Planet initiated another recalculation confirming my argument. Even still, Planet has continued to report me delinquent on my credit report regardless of the fact I have and continue to make my required payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : XXXX  It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.