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

According to the FCRA and the FDCPA by law, XXXX, XXXX  and Transunion are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on XXXX  and Transunion are two different amounts.

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE
Product: Consumer Loan

A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

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

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Checking or savings account

Social security was sending my direct deposit into a savings account and not a checking account and the reason why I feel that Wells Fargo bank has taken advantage of me and the other customers and consumers by opening up fake accounts with out the permission of the consumers and customers permission and authorization of those customers and consumers knowledge.wells Fargo bank was fined XXXX XXXX dollars for XXXX XXXX accounts with out the permission and authorization of those customers and consumers knowledge. A past employee that worked in the fraud department XXXX XXXX said that Wells Fargo was closing accounts that never should have been closed. Another thing that happened is that this husband and wife was charged over {$100.00} dollars in fraud this couple had trusted Wells Fargo to help this couple to become financially stable and that trust was not returned. This institution is supposed to be a professional institution but instead Wells Fargo bank has lost the trust of Wells Fargo bank. I can see now that Wells Fargo bank can care less about helping people and consumers and customers by taking advantage of people that are on a fixed income and people that are disabled and struggling just to provide for their families and loved ones.wells Fargo bank has lost the public trust. This institution is a sorry excuse for a professional institution. And I appreciate those heroes for standing up for not only me but for the other customers and consumers that trusted Wells Fargo bank to help those consumers and customers to become financially stable. And now I see how that because of all these illegal activities that Wells Fargo bank wanted those past employee of Wells Fargo bank and has been fired because of tell the truth about all of these illegal activities that they wanted those bankers to participate in.
Product: Debt collection

They are putting a derogatory mark on my credit report when my identity was stolen and used on XXXX. I had to close all of my cards and bank accounts because this happened. I am even enrolled in a credit freeze program because of the damage done. They continue to falsify marks on my credit. They also have the same company 4 times on my credit report for the same debt they accuse me of. They are making false claims and hurting my credit report. They bought the debt and are going under another name which is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A  XXXX  's credit card account is now appearing in my name as an authorized user. It was initiated before I was born. It started reporting on  XXXX   XXXX . The account opened on  XXXX   XXXX ,  XXXX , and closed  XXXX   XXXX ,  XXXX . I mailed a request out to have this removed, but have received no response. I have the same name as my father, so I often get his history tied into mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's happening there at the CFPB and to Transunion? This is so incredible! How can you guys ignore these numerous complaints? I know I have specified this again and again but I have given in to this complaint several times already and I have attached all the evidence and documents necessary such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to demonstrate that I'm an identity theft victim. What else do you guys need?! PLEASE DO NOT DISREGARD my request and DELETE the accounts which I do not own. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Student loan

My student loans from the XXXX XXXXXXXX XXXX XXXX were discharged on XX/XX/year>. I received an email from the Department of Education stating that my loans were discharged based on borrower defense evidence and that I did not have to make any more payments. The email also mentioned that my loan servicer would inform me if I was eligible for a payment refund, which could be mailed to me or sent electronically. I contacted my loan servicer, Nelnet, to confirm my address and was informed that a check would be sent in the mail within 30 to 60 days. However, I have not yet received the check. 

After 90 days, I called Nelnet again to inquire about the timeline for my refund check, but was directed to the Department of Education and Federal Student Aid. Both departments confirmed that the refund should come from my loan servicer. Upon contacting Nelnet once more, I was told that they would escalate the issue and provide a response within 5 to 7 business days. However, I have not heard anything after 10 business days. 

I am frustrated with the runaround I have been given regarding my refund check and I am eager to resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Checking or savings account

I was in the planning stages of getting a home mortgage with WF. I was encouraged by my mortgage broker to open a bank account with WF as this would facilitate the loan process. I opened the account with {$50.00} ( I was told I could start the account with as little as {$25.00} ). I was not told at the time that there would be monthly service fees if my account balance was below a certain minimum ( and evidently the minimum was greater than {$50.00} ). 
Logically I would never have opened an account with less than the minimum required to avoid monthly penalties. Ultimately I decided to get my home loan with another lender. When I went to WF to close the account I was told that the account was already closed and that the balance of the account was XXXX at the time of closure. Evidently, WF removed monthly fees until all {$50.00} was removed and then closed the account. I never received any notification that this money was being removed from my account
Product: Credit reporting or other personal consumer reports

I was sent an alert from my XXXX report for an Amex Inquiry on XX/XX/year>XXXX  which is incorrect. I did not apply for an Amex card, and I did not give permission to run my credit for any inquiries. 

Also, XXXX XXXX appeared on my XXXX credit report twice. This is also incorrect. I only applied for 1 credit card with XXXX XXXX in XX/XX/year>. The inquiry from XX/XX/year> is incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and noticed some inquiries I dont recognize. Im really XXXX  because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information **Accounts in Question : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card

American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.
Product: Debt collection

The name of the company is XXXX and XXXX XXXX They seem to be debt XXXX. 
They are trying to collect the debt that was cleared by a XXXX  court. 
I informed them of this information but they are XXXX
Product: Credit card

I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX  & Equifax  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Mortgage

Before and after my COVID-19 Forbearance ended on XX/XX/2022, I submitted a Request for Mortgage assistance, XXXX to XXXX, XXXX. I am ready to resume my mortgage monthly payments. XXXX, XXXX denied my request for Home Retention as in the attached document. Home Retention Program - Denied We were unable to qualify you for a Home Retention Option. Please see detail below in the " Results for programs that were denied ''. 

XXXX did not provide a detail reason but a blank, no words in the Results area for Home Retention. Home Retention Program Results area is blank as in the attached document. 

This complaint is for XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass Through Certificates, Series XXXX to provide in writing a detailed reason for their denial of a Home Retention Program during my request for mortgage assistance.
Product: Debt collection

I had a credit card account with XXXX XXXX from XXXX to XXXX. I paid the credit card faithfully until I was laid off in XXXX. The credit card went into collections in XXXX. I paid the collection company from XXXXto XXXX.I stopped paying on it because I hit hard time again. So XXXX in XXXX the XXXX XXXX account went The Law offices of Hayt, Hayt, Landau, LLC. stating I owe {$2100.00} and {$13000.00} went to interest. When I sent my response letter to them, There response was a letter and XXXX XXXX statements from XXXX XXXX. Not anything I paid to the collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that on my Equilfax credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my Equilfax and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate information, also I do not understand why XXXX XXXX states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. XXXX XXXX never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT LISTED DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. I AM REQUESTING TO HAVE THIS ACCOUNT REMOVE OF MY CREDIT FILE FOR IT OS NOT LIABLE TO MY NAME OR SSN. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS IMMEDIATELY REMOVED. FOR YOUR CONVENIENCE, I HAVE ATTACHED AND HIGHLIGHTED THE DISPUTED ACCOUNTS.
Product: Student loan

My student loans are accruing interest every day but Nelnets website does not show my correct payment or due date. I contacted Nelnets customer service but have not heard anything back. I have no idea how much to pay or if the interest will be waived under the SAVE plan which I enrolled in last month. Its extremely frustrating and the fact that interest continues to accrue while Nelnet fails to respond should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor.DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX   XXXX****