23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information persists on my consumer credit report despite my numerous attempts to address it. The inclusion of these erroneous items has severely impacted my life, causing me significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have fallen victim to identity theft.
Product: Mortgage

XXXX XXXX XXXX XXXX Wells Fargo Complaint For the second time in XXXX years I 've had to file a complaint against this company. In XX/XX/XXXX I contacted them about a HARP. But, it took until XX/XX/XXXX to respond. After I filed a complaint. 
Recently, I had to defend my home from Foreclosure sale after I found out XXXX day before the sale date from a complete stranger who came to my door. I never received official notice from Wells Fargo of a date of sake vid so, I could have cone up with a plan in advance. 
I spoke with several representatives who could not explain why I did not get official notice. Nor could they explain why I did not receive a XXXX payout back On XX/XX/XXXX as I requested over the phone with a XXXX. 
When the payout was received it was post marked XX/XX/XXXX with the letter dated XXXX XXXX. The problem is that the letter only gave me until XX/XX/XXXX to pay off the loan, less than 30 days from XX/XX/XXXX and less than XXXX weeks after I received the letter if Payout. 
I previously requested information back in XX/XX/XXXX, but never received it until after talking with the XXXX in XXXX who could n't find my emails That I sent on their XXXX. As with the HARP request, they acted if they could n't find the emails. The XXXX even asked me to send him the emails. 
Finally, I was in schlock to find out from a stranger the day before that my home was to be sold the next day ( XX/XX/XXXX ). I never received a Notice of sale date. Not XXXX if the customer service reps could even tell me why not. A XXXX XXXX even told me they 're not required to sendbmevnotice, and that the XXXX of Texas had that responsibility. 
The company has been notified that I 'm am XXXX and have filed for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative unverified information from my credit report sinceXX/XX/2019by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.
Product: Student loan

I am a co-signer on a Sallie Mae student loan for my son. I have asked numerous times, at least 5, to try and get my name off of the loan. I have written many letters due to the harassment of other family members that are NOT co-signers on the loan with my son. Calling to try and talk with any representative is the ultimate WORST. When I call to talk with Sallie Mae, as a cosigner I should have the right to the loan information, but they can not verify my information. And yet they can call family members not associated with the loan to harass.That is why I have resorted to mailing letters. Hopefully they are being handled. Long story short I mailed yet another letter to Sallie Mae asking/requesting to be removed from my sons student loan 2 weeks ago. As of yet no response. The loan has been opened since 2014. This is an Installment account, the account # is XXXX, amount balance {$11000.00}, monthly pmt {$160.00}, Primary loan is in name XXXX XXXX, co-signer XXXX XXXX ( me ) Just stop calling family members not associated with this loan and steps to have XXXX XXXX removed from this 2014 account. It has been almost 10 years. Thank you
Product: Credit card or prepaid card

without any advanced notice this company is withholding payroll funds paid to me by my employer. They expect information from me that is not easily obtainable. customer service was rude and absolutely no help. How is this legal without any notice or warning that without certain information, immediately, my payroll was going to be withheld from me? I have rent to pay and will most likely become homeless because of this. Ive worked for a year while using this card working for the same company and prior to this every deposit and/or withdrawal has gone through without the information they are demanding now. what is the difference?
Product: Debt collection

I received a collections noted dated XX/XX/XXXX from Wakefield & Associates. On XX/XX/XXXX I replied to their notice saying that this is a debt I do not owe. I received no further response or communication with them. On XX/XX/XXXX I received another collections notice regarding the same debt from XXXX.
Product: Checking or savings account

I received an email from chase bank for an offer to receive {$200.00} for opening new savings account, {$300.00} for opening new checking account, and a extra bonus of {$400.00} for both and a direct deposit into my checking account which I did, but I only received the {$200.00} and the {$300.00}. The complaint is they said I would also receive the extra {$400.00} bonus after i deposited {$15000.00} of new money and maintain for 90 days which I have, but the problem is that their saying my direct deposit is not eligible because it is coming from my life savings of 45 years from a XXXXXXXX XXXX plan, which doesn't specify that in the email which they send me. 
It says in email it needs to be a direct electronic deposit of your paycheck which this is my paycheck from my XXXX Thanks for looking into this. The public always seems to get screwed by companies not specifying more details of their offerings
Product: Credit card or prepaid card

Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!
Product: Mortgage

My monthly loan payment amount increased last month, without any explanation, previous disclosures or any notice of any kind. My hazard insurance and taxes are escrowed through my loan payment so I understand that my monthly payment can and has fluctuated in the past. However, I have never had a change without at least a few months notice as well as a detailed explanation or accounting as to the reason why my payment was due to change. This did not occur in my situation. I have had many problems with Ocwen since they became my mortgage servicer. I very much would advocate allowing borrowers such as myself to be allowed to request a service transfer to another servicer when dissatisfaction occurs due to the servicer 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX last four of my social XXXX Statement of Facts Regarding Unauthorized accounts from XXXX XXXX XXXX I am writing to formally dispute an unauthorized Acoounts listed on my Transunion credit report from XXXX XXXX XXXX . I do not recognize these accounts, nor did I authorize any transaction or credit request involving XXXX XXXX XXXX on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report.

Statement of Facts : Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On reviewing my recent credit report, I found these accounts from XXXX XXXX XXXX listed under " Collections '' I did not initiate any contact with this company nor give consent for them to pull my Transunion credit report.

No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX XXXX XXXX. I am certain that I did not authorize any credit check or open accounts with them ( XXXX XXXX XXXX. 

Fraudulent Activity : These Accounts are a result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report.

Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized XXXX Accounts from my credit report.

Conduct a full investigation into this matter to determine how these accounts was made without my authorization.

Provide me with written confirmation that the fraudulent Accounts have been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized Accounts can have a negative impact on my credit score and may be indicative of identity theft. 




XXXX XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12-months I've been working with Experian Credit Reporting. Last year my credit score was XXXX. Four or five months ago Experian finally concluded I was correct in all of my disputed challenges. 
My new Credit Score ZOOMED upward to XXXX.

All disputed accounts were deleted from my Credit File. 
As we closed out 2020 I could finally rest. What took me nearly 18 months, I had successfully cleaned and polished my Credit History. 
XXXX negative credit, XXXX Collections, XXXX bankruptcies, XXXX negative Public Records. 
Now Experian is re-reporting certain items that are reappearing. My score is back down into the 630 levels. 
I have reached out to Experian, but not received a response. I don't get it. I worked so hard on this. I got vindicated. I realize that most all data is not looked at by Human Beings. Yet I hope at some point a human can look into my file and adjust data accordingly. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Hi, I used to have a payment plant that I couldn't continue with that lasted from XXXX for XXXX XXXX monthly payments. I attempted to settle with Wells Fargo Attorney with no luck. I called Wells Fargo Attorney 's office on XX/XX/XXXX @ XXXX, called back on XX/XX/XXXX, XX/XX/XXXX and there after three other times that I did not write down date or time. My work has now received wage garnishment summons without previously ever properly served or at my place of employment. This summons currently says I owe {$9600.00} plus {$35.00} sheriff 's fee. I am at a lost for words, can't sleep, I am stressing over this matter. This amount seems ridiculous as interests were 24.99 % and no minimum payment was ever going to help pay this credit card debt down. In one of my many phone calls I attempted to settle for different amounts starting @ {$3500.00} going all the way up to {$5500.00} which is more that half of this total amount. Please help. I've been hearing Wells fargo is defrauding so may people and just because they have money they continue to do so. i wage garnishment or god knows how much or let alone pay XXXX XXXXXXXX in mostly interests on this fraudulent credit card going back to early XXXX, right before Covid-19. Covid-19 impacted many of our lives and including mine, by not working for the first few weeks of this start. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( XXXX XXXX XXXX XXXX Experian ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including small claims court in my area. This is my warning. I demand you to delete these items at once. 

I have also included the letter 's confirmation number that asked for the proper debt validation to XXXX XXXX XXXX, whom failed to send any qualified evidence. Confirmation number : XXXX This account has violated the following U.S codes : 15 U.S. Code : 1692d, 1692e, 1692g, 1692f, 1692j and 1692k
Product: Checking or savings account

I submitted a cfpb report and they claim they cant find my case.. This totally unacceptable that they can not find my account. Therefore, Wells Fargo closed my account after completing my claim. The agent said he was mailing my new debit card and I was good. I tried depositing some money and my account was closed on XXXX XXXX. They mailed my debit card on XX/XX/2020. My phone was stolen out of my car in XXXX. I told them my debit card and phone was in the card because I brought my XXXX XXXX card and other phone in the party. My phone was unlocked with my info available in the notes. The scammer tried putting fraudulent checks in my account. I even told the bank to run the cameras back and they said they agree they didn't see me on camera at the teller. Claim # XXXX ... Debit Card Last Four XXXX AND ACCOUNT # LAST FOUR : XXXXThey lied to me about keeping my account due to no fault of my own. They wouldn't believe me that I didn't have a code on my phone. How could you tell me what I have on my phone. This in unacceptable.
Product: Consumer Loan

I have a credit card balance and an overdraft priviledge balance due. I had XXXX 7 months ago that went bad keeping me out of work. The XXXX first at XXXX and then switching numbers at XXXX started robo calling 3 and 4 times a day including today, Sunday, during church services, since XX/XX/XXXX of this year approximately 3 months and 9 days non-stop. No live person from XXXX called. All auto dialing carefully designed to vexate and upset the debtor with endless calling harassment.
Product: Mortgage

I am writing to file a formal complaint against Truist Bank regarding predatory lending practices carried out by loan officers in the summer of XXXX My wife and I were exploited and misled into incurring unnecessary debt through deceptive and unethical practices.

In XXXX  we approached Truist Bank seeking a Home Equity Line of Credit ( HELOC ) to leverage the equity in our home for improvements. However, we learned later that Truist Banks policies prohibit HELOCs for properties owned for less than a year or under construction. Instead of disclosing this policy, the loan officers misrepresented their ability to process our application, falsely assuring us that the HELOC would be approved.

The loan officers exploited our excellent credit and significant home equity, as evidenced by a prior appraisal from our mortgage company. They coerced us into taking unnecessary and burdensome financial actions, including : 1. Taking out a {$30000.00} loan against our fully paid-off pickup truck.

2. Applying for a {$30000.00} promotional credit card through Truist Bank.

These measures were misrepresented as essential to establishing a banking relationship and obtaining underwriter approval. We were repeatedly assured that these steps were routine and temporary and that both the vehicle loan and credit card debt would be paid off immediately at the HELOCs closing.

Despite these assurances, the HELOC was never approved because Truist Banks policies categorically disallow such loans for properties owned for less than a year. This critical information was either ignored or deliberately withheld by the loan officers. As a result, we were left with significant and unnecessary debt, financial hardship, and no access to the promised XXXX, which could have provided tax benefits and cheaper monthly payments for home improvements.

Additionally, Truist Bank has refused to report our excellent payment history on the vehicle loan to the three major credit bureaus, further damaging our credit profile.

We have previously submitted a written complaint to Truist Bank expressing our concerns and explaining how we felt taken advantage of during this process. The bank has failed to respond or offer a resolution. 

The deceptive actions by Truist Bank have caused undue financial stress, and we seek the CFPBs assistance to hold the bank accountable and resolve this matter fairly. 

`We are available to provide additional information upon request. 

Thank you for your attention to this serious matter.
Product: Vehicle loan or lease

On XX/XX/2022 we did a full payment to payoff the car XXXX ( XXXX ). As of XXXX the loan amount of XXXX is still on my credit report. I am trying to purchase a new vehicle for my daughter and the additional XXXX has lowered my credit report. Plus the fact that the loan amount is not dropping makes the XXXX think I am missing payments. I contacted Hyundai XX/XX/XXXX and they advised it would be fixed. New car has arrived and I will be purchasing on XX/XX/XXXX and it is till not fixed. I will now have a higher interest rate and have to pay additional cost. I have called Hyundai again and they say there is nothing they can do as the credit department only work from a XXXX XXXX XXXX I need the XXXX removed from my credit report and would like compensation for the additional cost that I have to pay due to non removal of loan from credit report.
Product: Credit reporting or other personal consumer reports

On my credit report, Exeter finance keep reporting late payments. I have talked to a person regarding the ability to make payments on a car loan and payment arrangements which I started making with the exception of Exeter finance but they keep reporting late on my credit report its saying also my last payment was made in XX/XX/XXXX of XXXX, which is incorrect because I have made payments I have made XXXX and XX/XX/2023 payments which would be XX/XX/XXXX and XX/XX/2023. I dont get how its saying that my last payment was received XX/XX/XXXX even after we made an agreement that they would put whatever was late at the end of the remaining balance so it will stop showing up on my current report as late payments. This is damaging my credit and I need them to stop.
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 USC 1681. 


XXXX XXXX XXXX XXXXXXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 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.