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

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XXXX  ( Reported Identity Theft ) 2. XXXX on XXXX  ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, Transunion and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me and appears to result from identity theft or an error in reporting.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Law 15 U.S.C 6801 States that are none public information can not be share with a financial institution. Law 15 U.S.C 6802 State that financial institution before they report anything to your consumer report. I as a consumer have the legal right to opt out of anything reporting on my credit profile. or they have to send me XXXX different letters for me to sign and give them permission to report that type of information ton my consumer report. I have never receive or signed anything at all. And i know public information can not be share without my legal consent. These are the accounts i want removed A.S.A.P XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX 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

On XX/XX/2019 I received a letter from chase containing the following text : " We can't locate the transaction information you requested. 
If you have additional information, please contact us as soon as possible. We'll open a new request and try to locate the transaction with that information. '' When I informed Chase that its letter was vague and has not identified any specific requests from me. Chase 's response was equally vague : " The letters you received from us were the result of questions raised in the online secure message center that we were not able to address with the information provided " My current question to Chase 's response is he following : Which question or questions raised in the online message center that Chase 's referring to in its response were the results of the letters being sent to me, I would like to know the date, time, and the completed text of the secured message that Chase is referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter and I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, All I received was a letter stating we have verified with the company that the information is accurate or updated Yet again, wheres the documents verifying that to me? I have not received any information from anyone that verified these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in XXXX places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent XXXX proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! XXXX didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. XXXX is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like XXXX after sending proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY TRANSUNION AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! 

These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. 

I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 

I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting

My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Experian was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Experian needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Experian should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Product: Checking or savings account

I was scammed out of {$1600.00} on XX/XX/XXXX. I filed a claim with a Wells Fargo representative as soon as I realized the two withdrawals for {$800.00}. and {$800.00}. I was on the phone with the scammer and with Wells Fargo rep at the same time. I informed Wells Fargo that I did not authorize those withdrawals. The Wells Fargo representative told me to hang up the other phone with the scammer. 

Funds were placed back into my account. On XX/XX/XXXX the funds were reversed causing me to be overdrawn by over {$1500.00}. 

On XX/XX/XXXX I scheduled an appointment with XXXX XXXX ( teller/manager ) to explain the situation. XXXX called the claims department for Wells Fargo. She explained the situation, expressed frustration, and ended the call. Branch Manager XXXX XXXX was present. XXXX stated that she was going to file a complaint against the Wells Fargo Claims Department and that someone would contact me in XXXX hours. Nobody ever contacted me. 

On XX/XX/2023 I sat with XXXX XXXX Branch Manager and she knew the situation. She made some calls and then told me that there was nothing she could do and that the claims department would not reimburse me. I requested XXXX to listen to the phone conversation where I clearly stated that I did not authorize those withdrawals and where the Wells Fargo teller tells me to hang up the phone with the scammers. XXXX stated she could not access that phone call at that time. I would have to do a formal request. 

On XX/XX/XXXX XXXX
Product: Debt collection

I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then Northland Group then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the Northland group and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is for Equifax. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. This was for a Bankruptcy reporting I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to XXXX to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it. This whole think has been over 150 days of them violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following incorrect information on my credit report. To date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : The following account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) has never been late. Please correct/update this inaccurate information on my credit report. 


The following account with XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} ) has never been late. Please correct/update this inaccurate information on my credit report.
Product: Credit card

My name is XXXX XXXX XXXX IS XX/XX/year> & i have a credit card with Bobs furniture through Wells Fargo. Recently, i submitted a complaint about my credit reporting. i was told that i was late in XXXX but it also showed i was late in XXXX. I dont think i was late in XXXX & i know i was not late in XXXX. After many complaints & feeling unheard, i understood that the XXXX payment will not be taken off but i was advised that the XXXX payment would be off my credit report as late. i spoke to XXXX over the phone & said " so the payment marked late in XXXX is incorrect & will be off my report correct? '' she replied back with " mhm yup exactly ''. i have the recording of that on my phone as should XXXX since the calls are recorded. I am really frustrated with this whole process & i have requested a different case manager three times & nothing has been changed. I would like the correct information to be told to me & i would appreciate not being pushed off or told things that are not true. Again, i would appreciate a new case worker as the one who currently gets my cases dismisses me. Thank You.
Product: Money transfer, virtual currency, or money service

I posted an ad on craigslist for a mattress for sale in XXXX, New York. A man reached out on XX/XX/XXXX saying he wanted to buy it for the asking price, {$200.00}, and offered {$50.00} extra to reserve it. He told me he would mail me a check immediately that I would have to cash, and then I would have to pay the movers from this check and I would keep the difference. He expressed mailed a " XXXX '' cashier 's check of {$1700.00} to my apartment on XX/XX/XXXX and insisted I pay these " movers '' {$1500.00} as quickly as possible via XXXX or XXXX and that I allow the mattress to be picked up as soon as possible. For the entire process he was pushy and rude. I did as he said and cashed the check and paid this person {$1500.00} ( who I thought was the moving service ) on XX/XX/XXXX and a day later, XX/XX/XXXX the check bounced. I reached out to this man, " XXXX, '' immediately and at that point he stopped responding to me. I called Wells Fargo immediately on XX/XX/XXXX and they could not do anything, saying the transaction had already processed. The following Monday, XX/XX/XXXX, Wells Fargo gave me a call and said there was fraudulent activity on my debit card of {$15.00} and they wanted to alert me. That transaction was blocked and they cancelled this debit card immediately. Right after, I called the XXXX precinct in New York to file an official report and they said that could not be done because where the crime happened ( via my phone and computer while I was at work ) was not local. I called the XXXX precinct ( area where I was working while I paid via my phone ) and no one picked up, so I left a voicemail, and they did not get back to me. I called my financial advisor and he told me to call XXXX. I called XXXX XX/XX/XXXX and I could not even get on the phone with a real person because they insisted it was an issue with Wells Fargo and not them personally. My financial advisor then told me, after there was nothing he could do, to file a report on this website.