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

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My XXXX XXXX has a fraud transaction and I called them 5 times try to report the fraud. Every time the staff were saying previous staff didn't mark it correctly and they will remark it as fraud. But it's been 5 months and no investigation going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX XXXX  has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX/XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and there are fraudulent accounts as well as inquiries that is hindering my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to these negative and inaccurate information to appear on MY credit / consumer report. 

XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they  will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding multiple inaccuracies on my credit report and the failure of a lender to provide a XXXX form for a charged-off auto loan. Despite previous disputes with the credit bureaus and creditors, the following issues remain unresolved. I am requesting immediate correction and action. 

XXXX. Inaccurate Late Payments & Charge-Offs The following accounts are reporting late payments or charge-offs that are inaccurate or unverifiable : Accounts with Incorrect Late Payments XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX XXXX ( Account : XXXX ) Incorrect late payment XXXX  XXXX ( Account : XXXX ) Incorrect late payment XXXX XXXX  ( Account : XXXX ) Incorrect late payment of {$360000.00} XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX/XXXX  ( Account : XXXX ) Incorrect late payment of {$2100.00} XXXX XXXX XXXX  ( Account : XXXX ) Incorrect late payment XXXX ( Account : XXXX ) Incorrect late payment Accounts with Incorrect Collections & Charge-Offs XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX XXXX XXXX ( Account : XXXX ) Incorrect collection account XXXX  ( Account XXXX XXXX ) Incorrect charge-off of {$29000.00} XXXX XXXX ( Account : XXXX ) Incorrect repossession of {$16000.00} These accounts either : Contain outdated, incorrect, or unverifiable information that has negatively impacted my credit score. 
Were not properly validated by the creditor upon my prior dispute. 
Do not belong to me and were inaccurately reported. 
Per the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and deletion of these inaccurate entries. 

XXXX. Missing W9 for Charged-Off Auto Loan ( XXXX XXXX Account : XXXX ) The Regional Acceptance account ( {$29000.00} charge-off ) has been inaccurately reported. Furthermore, I have not received a 1099-C or W9 form for tax purposes, which is legally required when a debt is charged off and considered taxable income. 

I have requested this documentation multiple times and have not received any response. If this debt was indeed forgiven or charged off, the lender must provide proper tax documentation. The failure to do so suggests possible errors in their reporting. 

I am formally requesting the removal of this charge-off due to improper reporting, or the issuance of the required W9/1099-C documentation. 

XXXX. Unverified Hard Inquiries The following hard inquiries appear on my report without my authorization : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries should be removed as they were either unauthorized or not followed by an actual credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via Certified USPS postage to Experian consumer reporting agency on XX/XX/2021. In this dispute letter to Experian, I requested the VERIFICATION of an item on my Experian Consumer Report in the form of a XXXX XXXX  Bankruptcy " furnished '' by the US Bankruptcy Court in XXXX, New Jersey. 

I NEVER RECEIVED A RESPONSE OF ANY KIND from Experian within their legally allowed time period of XXXX, from the date of receipt by a company representative signing/stamping the USPS Certified return postcard . 

( XX/XX/2021 - Experian Company Representative : XXXX XXXX. ) It has been approximately 60 DAYS from the date of receipt by a company representative and STILL this UNVERIFIED item remains on my Experian Consumer Report!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received text message from someone who claimed to be a representative from Wells Fargo. 
" It said Did you authorize a purchase through XXXX for {$3500.00}. And then it said type Y for Yes or N for No, '' My husband typed N and immediately called Wells Fargo bank while explaining the situation to a Wells Fargo rep we were receiving a phone call, we asked the rep if we should answer the call because it was a Wells Fargo customer service number and we even read the number back to her. The rep told us yes to answer the call. The person on the other end spoke exactly like a Wells Fargo employee. He told us our account had been hacked and explained how they were going to reverse the fraudulent transfer by having us send two transactions to ourselves. They said Im going to email you a number and youre going to read it back he then had us type in the recipient name in the XXXX app as ourselves and summit the transfer. I questioned him if this was truly Wells Fargo and he had me confirm the number on our debit card. When asking again he immediately hung up and the money was gone. Called Wells Fargo immediately back to file claim. Multiple claims have been filed with Wells Fargo all to be denied. Complaints submitted to Wells Fargo with no response until recently we received an apology letter. We have submitted a previous complaint with CFPB. Police report filled. Also have spoken with branch manger and banker that report they were working on claim and were trying to reach XXXX  XXXX XXXX. Today XX/XX/22 have reached out to local news station for assistance. There are several stories in regards to the same scam and individuals have been reimbursed and others not. How can this be justified when its the same scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid credit repair agencies for years and have contacted XXXX  transunion and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation. ''
Product: Student loan

I am having a difficult time paying my student loans, through Navient, so I put in for a income driven payment plan, and the result was I had to pay {$0.00} last year for my loans, but the interest would still accumulate but I could make interest payments if I wanted to. I am doing this off of the top of my head, so XX/XX/XXXX when that year ended, I had to send in my income tax papers, and I will say here, I made {$24000.00} XX/XX/XXXX, so they based my payments from that. So they expect me to make payments of {$69.00} a month, let me tell you this, I am a XXXX year old widow, who has electric heat as a heat source, works part time at {$13.00} an hour as a XXXX, I drive a vehicle that is 17 years old and I also had to pay {$56.00} a month for that stupid Obama care insurance that I did not use. 
First I get a notice that I have a payment due of {$240.00} on XX/XX/XXXX, got paperwork in for the income driven then they modified the payment, and also changed the date of XX/XX/XXXX. 
Is there any way your agency can help me? 
Thanks XXXX
Product: Money transfer, virtual currency, or money service

Hello, I received an unsolicited credit card in the mail from cashapp with my information on it but I never signed up for the service. My credit files are all locked but someone opened the account in my name and information. 

I tried calling their customer support to cancel the account but I was hung up on multiple times.
Product: Credit reporting

I have disputed the information with Equifax XXXX times. The confirmation numbers of the dispute are XXXX, XXXX and XXXX. Each dispute flows from these XXXX numbers. I am on my XXXX attempt to correct the inaccurate information and information that does not belong to me or information that is beyond the reporting toll ( years to be reflected on the report ). The ironic thing is both XXXX XXXX and XXXX acknowledge the inaccuracies and have removed them from my credit report but Equifax refuses which tells me they have not done their due diligence in accordance with 15 U.S.C. Section 1681 ( e ), Section 1681 ( i ) ( a ) ( 1 ) ( A ) and 1681s-2
Product: Mortgage

I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

I am formally filing this complaint against [ XXXX ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights. 

FCRA Violations Committed by [ XXXX ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ XXXX ] has failed to conduct a reasonable reinvestigation within the required 30-day period, violating my consumer rights.

Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA.

Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report.

A formal written response within 15 days acknowledging this complaint and outlining corrective actions taken.

The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance.

If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations.

Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability.

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

Hello, On XXXX XXXX 2017 I went to XXXX and asked to hold a dog so I could see if I could purchase the dog the following day. Without telling me they signed me up for a XXXX XXXX credit card and charged me {$3000.00} dollars to that account.I was rushed through signing paperwork I thought was just for holding the dog and they failed to explain what I was signing.They didnt even give me a receipt or any paperwork informing me of what happened. I originally disputed the charge with the store but they said they could not do anything so I disputed the charge with the bank. It has been now 2 months exactly, 60 days from the day I write this and I havent been given a response. All I have is a provisional credit on the account. Attached is a cancellation from a loan that was placed with this unauthorized purchase.
Product: Mortgage

Franklin American Mortgage Company ( " FAMC '' ) wrote a letter dated XX/XX/2017 that they had assumed my mortgage from XXXX on XX/XX/2017 & notified me that payments should be sent to FAMC, XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. In a letter dated XX/XX/2017, I was notified that payments should be sent to a new address at XXXX. XXXX XXXX, XXXX, NJ XXXX. I later identified the second address belonged to a company dba XXXX. FAMC did not notify me of this company 's name or that they would be servicing the loan. On XX/XX/2017, I contacted XXXX about receiving what appeared to be a phishing attempt from XXXX XXXX XXXX ( " XXXX '' ), XXXX. XXXX XXXX, XXXX, SC XXXX, with a postmark of XX/XX/2017. XXXX claimed I needed to enter personally identifable information ( PII ) into XXXX 's website : " XXXX. '' XXXX also claimed " in the event we do not receive this evidence of Master Insurance coverage, we plan to purchase coverage to protect our interests ... You will be required to pay us for any period during which the insurance we purchase is in force, but you do not have insurance. '' Please be aware that I quoted the prior passage from XXXX 's grammatically plagued XX/XX/XXXX letter. On XX/XX/XXXX I contacted XXXX about the apparent phishing attempt. XXXX claimed that XXXX was legitimate and that XXXX was making a legitimate request. FAMC did not notify me of this second company 's name or that the second company had the authority to charge me for insurance for information they had never requested between XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX I contacted South Carolina 's Secretary of State to identify whether this company existed as a registered business entity in XXXX. XXXX is not a registered business entity. On XX/XX/2017, I sent a QWR via certified mail with return receipt to FAMC Compliance Department - Complaints requesting more information on XXXX and to acknowledge the Master Insurance Policy for my building. On XX/XX/2017, I received a delivery attempt from XXXX. I visited a XXXX location & received my package. FAMC drafted a response on XX/XX/2017 ( that was not received until XX/XX/2017 ) acknowledging receipt of my correspondence. FAMC did not acknowledge that my correspondence was a QWR nor did they acknowledge receipt of the Master Insurance Policy for my building. Finally, FAMC gave themselves at least thirty ( 30 ) days to respond to my QWR. I need FAMC to acknowledge receipt of the enclosures included in my XX/XX/2017 QWR & to ensure that XXXX does not attempt to send invoices to me for information that was not requested until XX/XX/2017. Please let me know if you need additional information. Thank you, XXXX
Product: Checking or savings account

I purchased a pair of {$1000.00} dollar sneakers from the XXXX  app on XX/XX/2019, which turned out to be illegal replicas. I talked to my bank and they did not side with me even after I provided evidence that XXXX  confirmed the pair of sneakers were inauthentic. Mind you, XXXX  app has atrocious customer service and no phone number for customer service, only chat rooms that take days and weeks to reply. It is frustrating that I was give the chargeback money initially, but had it taken back for no clear reason. I am in debt because of this and I will not be able to pay back the negative balance because I am in college and do not work, I live off of financial aid. Truly, I have been scammed by an ostensibly reputable company. They supposedly sell authentic shoes 100 % of the time, but many people have complained about fakes, and unfortunately I can not get a refund directly from XXXX  simple because they were used. Does that seem right? A company gets away with giving me illegal counterfeit shoes priced over 1k simply because they are used and not new? I was hoping to resell them once I had bought them, but unfortunately the potential buyer I tried to resell to noted they were fakes right away. I threw them away as soon as I could once I knew they were fake, because I morally am against breaking the law and selling replica shoes.
Product: Mortgage

My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.