23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wells Fargo is attempting to collect a debt not owed. I submitted CFPB Complaint ID no. XXXX with XXXX, CFPB complaint ID no. XXXX with XXXX, and CFPB complaint ID no. XXXX with XXXX along with attached FTC Identity theft fraud affidavit Report No. XXXX, in reference to account no. XXXX with the creditor ( Wells Fargo ) making the credit reporting agencies and the creditor aware of the fraudulent account. This information was submitted on XX/XX/XXXX. The account was deleted and blocked from my credit report by the Credit Reporting Agencies. Under law when an account is blocked as a result of identity theft the account can not be sold, transferred, or placed into debt for collection. XXXX XXXX XXXX has contacted me as of XX/XX/XXXX, attempting to collect a debt not owed. Wells Fargo has violated my rights under the FCRA. 

" Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. ''
Product: Credit reporting or other personal consumer reports

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX  years of age with XXXX. XXXX XXXX, XXXX, Equifax has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Debt collection

I do not have any signed agreements with the company in question. Please produce signed agreements between my self and the company in question.
Product: Payday loan, title loan, or personal loan

* I took a loan out for XXXX dollars and they are charging me a 63 % interest rate and they are not working with me so I can pay off the loan faster. They are only allowing me to pay off in a short amount of time I would of never signed the loan if I knew how high the interest rate is.

I have called several times and this company will not work with you and make accommodations to get a better rate.
Product: Checking or savings account

Navy Federal Credit Union has taken hundreds of thousands of dollars from my checking account in return check fees from XXXX  to present date. They get more of VA checks then I get to see them. Very disappointed seeing how this company says it takes care of veterans and military personnel.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXXXXXX 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 have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, Great Lakes XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax Information Services. I am making this complaint through the CFPB, I have noticed that there are many irregularaties with my credit report with Equifax, and many variations and incorrect information with my personal information. I have requested for about 90 dye for the information about these accounts.I have noticed that weekly, that every time I make a call to try to dispute these accounts there is different information every week. This situation has me very stressed and confused, I don't understand why there are these irregularities and variations with my credit report. I want to be very specific with this complaint because I am going to name all the documents that I am going to send and attached so what has happened before doesn't happen again, where only half of documents arrive, they may come incomplete. The documents that I am sending is to report that I am a victim of Identity theft, accounts have been opened under my name without my permission, with addresses that I have never lived in or recognize, phone numbers that never belonged to me, etc. The names and number of the accounts every week change every week and I don't understand why. That is why I am making this complaint with CFPB and send the documents through here so there is a third party as a mediator to make sure everything is up to standard. They are going against the law under FCRA 611 ( a ) to request a complete description of all the methods used to investigate my dispute. I want to make sure that the personnel of Equifax has been friendly and helpful with everything but I don't understand why there is such a mix up with the information, maybe there is a miscommunication, I had to make this complaint because these things don't make sense. As well as to avoid the loss any documents the, I have sent, this has happening since the first week of XX/XX/2019. I am very stressed with this irregular situation in my credit report with Equifax, a situation that does not happen to me with XXXX XXXX XXXX XXXX  
I Make this complaint through this sway because it is the only way make sense of all the irregularity in my Credit Report with Equifax it blows my mind to know that every phone call make to Equifax every Week give me credit information different, it is impossible to be truthful with them, every day my credit report accounts that change the list of accounts or their status from one day to the next worst thing is that all the documents I send certified mail, don't arrive or if they supposedly arrive they arrive incomplete, which seems very strange to me because this happens????? 



DOCUMENTS ATTACHED : XXXX ) LETTERS DISPUTING ACCOUNTS XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT FTC XXXX ) DRIVER LICENSE XXXX ) SSN XXXX ) PASSPORT XXXX ) COPY OF 605 ( B )
Product: Credit reporting or other personal consumer reports

i sent a letter to experian i asked them to reinvestigate the completeness and accuracy of my accounts on my credit report. when i got my investigation back i noticed they didnt update or modify my accounts according to 15USC1681I5 thats a violation of multiple laws.Please remove these accounts from my credit report XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Synovus/columbus XXXX opened XX/XX/XXXX balance XXXX
Product: Credit reporting or other personal consumer reports

I have been documenting my ongoing experience with your institution 's failure to verify a specific account. Despite multiple requests, the account remains unverified. Additionally, your institution has not adhered to the mandated 30-day period for completing an investigation on my dispute. This prolonged delay and lack of resolution are unacceptable and have caused significant inconvenience. 
I will enclose documentation proving this violation claim Which is a certified mail receipt where they signed for the letter I sent XXXX verifiable account I am referring to it as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submitted a complaint to your bureau about this matter in XX/XX/year> as complaint XXXX. The complaint explained that Capital One Bank closed my Capital One Savings Now account number XXXX for inactivity, and, rather than refunding the {$6.00} balance to me, the bank mailed me a final account statement and claimed to have escheated the {$6.00} balance to the State of Florida 's unclaimed property department. In other words, the bank had my address so as to be able to mail me a final account statement but chose not to use that knowledge of my address to refund me the balance from the closed account. When I filed the complaint with your bureau in XX/XX/year>, Capital One responded by alleging that they had escheated the funds to the State of Florida 's unclaimed property department. That allegation was a lie. As of today -- 9 months after the bank closed my account -- the Florida unclaimed property department does not have any unclaimed property in my name, nor has it ever had any unclaimed property in my name since Capital One closed my savings account. I spoke to an employee of that department who assured me that, if Capital One had escheated the balance from my savings account to their department in XXXX, XXXX, or XXXX of XXXX, it would be listed on their website by now. It is no so listed. So Capital One simply kept my money. I have read on social media that many other Capital One customers have experienced the same fraudulent scheme committed by Capital One, i.e., the bank closes an account, claims to have escheated the account balance to the account owner 's home state 's unclaimed property department, but never does. I am asking you to investigate this fraud on my behalf and on behalf of all other consumers who have been defrauded by Capital One 's practice of claiming to escheat money from closed accounts to account holders ' state 's unclaimed property department, but actually converting the funds to Capital One 's ownership. Obviously, {$6.00} is not a lot of money, but I am pursuing this matter to expose and end Capital One 's widespread practice of claiming escheatment as a cover for stealing funds from consumer bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX, reported me 120+ days late the next month on my Transunion report. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Transunion report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Transunion via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XXXX to support my request ( all uploaded for your review ). 

I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history. The report now reflects disputed information updated : Pay Status remained " Account 120+ days past due date '', late monthly payments were removed in the monthly detail now showing OK, balances were changed to {$0.00}, Last Payment Made shows XX/XX/XXXX, and a notation under the date closed on XX/XX/XXXX stating " Maximum Delinquency of 120 days in XX/XX/XXXX ''. 

The results from this investigation do not make logical sense. I did not make my final payment on XX/XX/XXXX, but rather on XX/XX/XXXX. How is it possible that the monthly detail shows on time payments, but then the Pay Status reflects 120 days past due which contradicts the monthly detail? How can there be a note stating " Maximum Delinquency of 120 days in XX/XX/XXXX '' with my monthly detail showing on time payments? I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Transunion has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two month, I have been trying to get a total of 12 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX  XXXX ( Wednesday, XXXX XXXX ) XXXX fXXXXn ( Wednesday, XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/2020 ) XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX  XXXX  ( Monday, XX/XX/2020 ), XXXX XXXX ( Monday, XXXX XXXX ), XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Friday, XXXX XXXX ), XXXX  ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX  ( monday, XX/XX/2020 ), XXXX XXXX ( Monday XXXX XXXX ). I sent dispute letters to Transunion to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Product: Payday loan

I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.
Product: Debt collection

Hello, can this please be removed my credit? Ive been fighting these companies for a couple years now and I want this problem to be removed because this is will affect my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the ongoing inaccuracies present on my credit report. Despite multiple attempts to address and rectify these errors, they persist, and I am appalled by the lack of action taken to resolve the issue. 

It is unacceptable that despite providing clear evidence and documentation to support my claims of inaccuracies, no corrective measures have been taken. These errors are adversely affecting my financial standing and credibility, and I demand immediate action to rectify them. 

I have diligently followed the dispute process outlined by your bureau, yet the inaccuracies remain unresolved. This negligence on your part is not only frustrating but also damaging to my financial well-being and reputation. 

I demand that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate steps to rectify them. I expect a prompt resolution and regular updates on the progress of my dispute. 

Failure to address this matter with the urgency it requires will compel me to seek further action to protect my rights as a consumer. 

I urge you to take this matter seriously and prioritize the resolution of these inaccuracies without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating the FCRA and not adhering to the law governing such. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

XXXX has taken 60 days including the investigation. I have all certified mail receipts.
Product: Credit reporting

As a result of a class action lawsuit, ( XXXX v Equifax information, case Services ) case # XXXX ( XXXX ). I was to receive free credit monitoring and any Va District Court Judgement removed. This was in XXXX of 2016. I have the monitoring service, but the judgement has not been removed. I called serveral times. No one had any info about it. 
I tried to get to the corporate office legal department, but I had to know a specific name. I am a XXXX vet, trying to purchase a home. This prevents me from qualifying. Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax a Debt Validation Letter Regarding below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain my social security number. As of today it's been over 30 days from XX/XX/year> and XXXX has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), These accounts have not been validated, updated, or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent my vehicle to a different place than it was supposed to be going. The hood flew open the day after my windshield was replaced. XXXX XXXX was paid almost 5,000 to the repairs on the body. Nothing mechanical. The work that was supposed to be done was not completely done. I'm still without a car as it is not drive able. XX/XX/XXXX for stolen  rental car an now can't get a rental. They are not working with me to get a vehicle.
Product: Debt collection

I recently had a collection for XXXX dollars for XXXXXXXX XXXX for a medical bill that I didnt know about but paid in full. How can I get that erased off of my credit report
Product: Debt collection

Iwas apart of XXXX, XXXX and XXXX data breach from XXXX to XXXX also found my info on dark web in which my identity has been used to get credit and now in have collections.
Product: Debt collection

I had a credit card with Walmart and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that you have reported to the credit reporting agencies regarding my account with XXXX XXXX XXXX. My account details are as follows : - **Account Number : ** XXXX - **Account Type : ** Installment ( Auto Loan ) - **Account Status : ** Closed, Paid - **Date Opened : ** XX/XX/XXXX - **Last Reported : ** XX/XX/XXXX - **Balance : ** {$0.00} I have previously contacted you on multiple occasions to notify you of the inaccuracies in the reporting of this account, particularly regarding the information provided to XXXX regarding my joint account with my wife, XXXX XXXX. Despite my notifications, the inaccuracies persist. 

**Legal Basis for Dispute : ** Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and ( B ), you are required to report accurate information to consumer reporting agencies. Specifically : 1. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : ** A person shall not provide 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.

2. **15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : ** A person shall not provide information related to a consumer to any consumer reporting agency if the person has been notified by the consumer that the specific information is inaccurate, and the information is, in fact, inaccurate.

**Discrepancies in Reporting : ** 1. **Inaccurate Payment Status : ** The payment status has been inaccurately reported on multiple occasions, and despite the account being closed and paid off, the information is still being reported inaccurately.

2. **Joint Account Reporting Error : ** The account, which is jointly held with Anyeli Snchez , has been incorrectly reported under her name without acknowledging the correct joint account details.

3. **Incorrect Reporting Dates : ** The " Last Reported '' and " Date of Last Payment '' dates contain inconsistencies, which have not been corrected despite prior notifications.

Given the requirements set forth by the Fair Credit Reporting Act ( FCRA ) and your obligation to provide accurate information, I request that you immediately investigate these discrepancies and correct the information on my credit report. Failure to do so may result in further legal action to protect my rights as a consumer.

Please provide me with a written statement confirming the results of your investigation and the actions taken to correct these inaccuracies. I expect these corrections to be reflected in my credit report within the next 30 days.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely,
Product: Debt collection

i am victim of identity theft. the information listed below, which appears on my Credit report does not related to any transaction that I ve made
Product: Money transfer, virtual currency, or money service

My sba loan was sent to cash app and they sent back and turn my card off for no reason also unable to get refund back no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX  acct # XXXX IS reporting a late payment and should not be 15 U.S.C 1661 STATES THAT A CREDIT REPORTING AGENCY CAN NOT REPORT AN OPEN END ACCOUNT AS LATE FOR ANY PURPOSE OR ANY REASON. 

Account XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) acct # XXXX IS reporting Incorrectly. 
-DATE OPENED -LAST REPORTED -DATE LAST ACTIVE All DO NOT match with the other bureaus 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without written instructions Account XXXX  acct # XXXX is reporting Inaccurate information. 

-MONTHLY PAYMENT -PAST DUE -LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT ALL ARE INACCURATE and this account should removed. 15 U.S.C 1681 SECTION 602 A states that I have the right to privacy