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

My Wells Fargo Savings account had {$500.00} removed on three separate occasions for a total of {$1500.00}. Wells Fargo had temporarily placed {$1500.00} in my account while they investigated. Wells Fargo informed me they are taking back the {$1500.00} on XX/XX/2021 from my Savings account. This theft occurred on XX/XX/XXXX, XXXX, and XXXX 2021. It was removed by a Wells Fargo money transfer system called " XXXX XXXX XXXX ''. I did not request or set up. Wells Fargo XXXX account. I did not transfer any money to anyone. Wells Fargo investigated and determined that I authorized these transfers. I never heard of XXXX until I was scammed. Wells Fargo allowed this to happen without my knowledge. I'm a XXXX veteran and XXXX XXXX XXXX and {$1500.00} is a lot of money to me especially in these times. I notified Wells Fargo fraud department immediately when I saw the transfers. Wells Fargo says it will take 30 days to send me the paper work stating what their investigation revealed. I don't believe Wells Fargo made much of an attempt to investigate this problem since this isn't much money to them. 
I can't understand how Wells Fargo sets up programs, without a persons knowledge, to allow transfers of money to happen. Wells Fargo encouraged scammers or stole the money themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXXL XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted documentation to the credit agencies after noticing a number of accounts that do not belong to me and found the credit agencies reporting inaccuracies. The documents submitted included, a police report filed with the state of Arizona, FTC documents, FCRA documents, Credit file, proof of identity thats included driver license and utility bill. 
These accounts are attached to the identity theft case and I am requesting immediate removal after reviewing documentation to support this case : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ( 4 separate accounts XXXX Experian is still reporting this inaccuracy to my credit profile. Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by XXXX. Please remove inaccurate information noted above that does not belong to me and provide support with resolving fraudulent case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using a Bank of America credit card for over two years now. Since XX/XX/2018, Bank of America has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with Bank of America, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, Bank of America again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with Bank of America 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by Bank of America that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by Bank of America and their inefficient employees. Please help.
Product: Money transfer, virtual currency, or money service

Trying to invest in XXXX currency wont let me
Product: Student loan

This email is being sent because of the undue burden placed upon me in an attempt to repay a student loan. 


SUMMARY In XXXX my student loan was consolidated with Navient in the amount of {$21000.00}. To date, I have paid {$74000.00} and STILL have a balance due of {$52000.00}. In addition, I will end up paying back an estimated {$160000.00} in total with the Income Based Repayment Plan currently being offered by Navient. This would be {$140000.00} in interest on a {$21000.00} loan. 


DETAILED INFORMATION On XX/XX/1996 the original principle on my consolidated FFELP Student Loan was {$21000.00}. 

Over the last 29 years, I have managed to stay out of defaulting on this loan by making payments totaling XXXX XXXX XXXX XXXX XXXX XXXX  Dollars and XXXX Cents ( {$74000.00} ). 

During this time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$37000.00} ) in interest has been CAPITALIZED, converted into principle. 

To pay off this balance using the Income Based Payment Plan, Navient has provided an estimated pay off date ofXX/XX/XXXX. This entails XXXX @ $ XXXX = {$87000.00}, which when added to the {$74000.00} I have already paid would be a total of {$160000.00}. This is an estimated {$140000.00} in addition to the {$21000.00} loan, nearly 7 times what was borrowed! 

With {$74000.00} already paid, this debt poses an undue financial burden on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX investigation showed this account was to be deleted of my credit which XXXX did but equifax and XXXX still have not after ive disputed this with then countless of times. Ive attached files showing what account was deleted on my XXXX  report. That needs to be deleted off my XXXX  and equifax. Thanks
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Debt collection

While visiting Co in XX/XX/XXXX I became sick, went to XXXX Hospital on XX/XX/XXXX and was diagnosed with XXXX XXXX. The hospital ran a XXXX XXXX, gave me XXXX, told me to go to XXXX which is lower altitude and I will be ok. The next day we packed up and drove to XXXX and I had no breathing issues. While at the hospital we gave them our insurance card and they made a copy of the card to submit the bill to. On XX/XX/XXXX I receive a bill from XXXX stating that I owe {$4500.00}. I proceed to call XXXX and send them a copy of the EOB showing the negotiated price and that I owe {$640.00} of which I already paid {$500.00}. Below is a listing of dates, times and people I talked to. I have NEVER received any further communication from XXXX since XX/XX/XXXX. This weekend XX/XX/XXXX I receive a notice from BC Services , Inc XXXX XXXX XXXX XXXX CO XXXX XXXX ( Acct # XXXX ) stating I owe them {$4500.00} and I need to pay this immediately. I called BC Services twice today talked to XXXX XXXX @ XXXX and she told me I need to call my insurance company and have them call BC Services. I called my insurance company and due to privacy laws ( thank God ) they can not talk to BC regarding my insurance. I did email over an explanation of benefits to BC Services showing the bill being paid. I later call BC Services and talk to XXXX XXXX @ XXXX and she explained that an EOB is not good enough and I need to pay BC Services. 
I then called XXXX Hospital at XXXX and talked to XXXX in billing and he stated that I owe no money to XXXX  and that they never sent anything to BC Services and they are not sure who that even is. That lead me to believe that BC Services could be a  fraudulent company? I am concerned as I do not want my good credit score being affected by this possible fraudulent company. I turned to you because that's the information I found on the internet. 
Thank you XXXX XXXX XXXX, XXXX Conversation with XXXX : XX/XX/XXXX XXXX, he stated call back in a week, he will look into the EOB XX/XX/XXXX XXXX @ XXXX XXXX ( billing company for XXXX ) she states to call back in a week XX/XX/XXXX called XXXX XXXX back and talked to XXXX and XXXX at XXXX and they stated they never submitted the claim so they sent it to XXXX. again. Really the claim was submitted and paid in XX/XX/XXXX. 
XX/XX/XXXX called XXXX XXXX again and talked to XXXX who in turn forwarded the information and EOB to her supervisor who never called me back. 
( XXXX XXXX # XXXX ) Time goes by with no bills or statements ... 
XX/XX/XXXX I receive notice from BC Services that I was sent to collections. I send them the EOB ... .The above story explains that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting late payments on 20 different accounts on my XXXX & XXXX credit reports in XX/XX/2019 when those accounts were in forbearance during that time and then paid in full through consolidation in XX/XX/2019. I previously disputed & the reply was that they had backdated the forbearance & " A backdated administrative forbearance does not modify previously furnished data. '' That is incorrect because you have an obligation to report correct information and if you are aware that I was granted a forbearance effective for that time period, and therefore nothing was owed at that time, and therefore nothing was late, then you are incorrectly reporting that I was late for that time period but not correcting it now. Additionally, Not updating this information is drastically affecting my credit & updating it does not harm Nelnet in any way as you have been paid in full & do not even hold these loans any longer. I need this resolved asap. 

This comes directly from the department of education in re to previous incidents like this : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. '' You are in violation of the law by continuing to allow this incorrect information to remain on my credit report.
Product: Credit reporting or other personal consumer reports

I called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires. The following are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Product: Checking or savings account

I went into overdraft back in XXXX  and was willing to pay it back but they closed it earlier than the time given to pay it back. It was overdraft fee after fee and they even charged me twice for overdraft and never gave it back!
Product: Credit reporting or other personal consumer reports

XXXX notified me of a XXXX credit card application on XXXX, which I had never applied for. I want to dispute this inquiry. I already reported to XXXX, which advised me to call Equifax. Equifax asked me to complete this form and call them back in XXXX days. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 719XXXX has me at a score around 590. 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case.

I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds. 



Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

It has come to my attention that on my credit report you have an open collection for the amount of {$260.00} as of XX/XX/2024. Its also showing that there is {$260.00} past due. 
I do not owe this money. This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge.

Full accounting ledger.

All legal documents.

An explanation showing me how you have computed the amount.

Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor.

Confirmation that the account has not crossed the statute of limitation ( SOL ) period.

Evidence that you are a licensed debt collector.

An invoice of the products/services ordered.

Dates of products/services being rendered.

The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule XXXX XXXX XXXX can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Student loan

Joint Consolidation Loan Act ( XXXX ) was passed 71 days ago, which means there is a law put in place to separate Joint Spousal Consolidation Loans. However, there is no plan to date to implement this separation. I have never been able to receive a pause in payment even now that I have a law passed to support me and my family. There is no equity in loan holders when my interest just grows on an administrative forbearance taken in XX/XX/XXXX and other loan holders enjoy the continued pause since COVID ( XXXX ). This is very frustrating and I would like to see something put in place to help those of us who have the support of a law that was passed unanimously through the Senate, then the House, and signed into law by the President.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not updating my credit report in a timely manner. Creditors are reporting me NOT late on the other 2 major bureaus, but Experian is showing I am late for the same exact account. Attached you will find documentation on my XXXX   and XXXX credit report showing I am NOT late payment for the month of XX/XX/2019. I do not have 2 missed payments with creditor XXXX XXXX XXXX. Experian is reporting or showing, that I have 2 missed payments with creditor XXXX XXXX XXXX which is incorrect. Experian credit report is also attached to this compliant to show they are reporting me late, and last update on Experian is XX/XX/2019. Attached are to billing statements from XXXX XXXX XXXX showing I made my payment for XXXX. Please review the highlighted sections. Experian is also currently reporting the wrong balance.
Product: Money transfer, virtual currency, or money service

XX/XX/year> sent XXXX from XXXX XXXX  XXXX XXXX account with Zelle and it was unauthorized and unrecognized XXXX  XXXX XXXX refused to help
Product: Checking or savings account

XXXX XXXX fraudly charged my checking account without approval. I do not have any relationship with Barclays. The money was transferred without my approval and authorization. The fraudly charges range from XX/XX/XXXX to XX/XX/XXXX with a total amount of {$30000.00}. 

I called several times to claim this issue. The operator and supervisor could not solve the problem. The supervisor decided to hang up the phone directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX 2024XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you