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

This is my first 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, 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 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone order credit cards as well as got a car loan in as well got a whole bunch of hospital bills in my name they as put me on the check fraud list know its not lettin me open up a account I need this remove so I can start on the right path
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry Date of inquiry XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
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My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed inaccurate reporting on my account. This account is hurting my ability to obtain credit. I understand that Equifax will investigate this account for me to ensure accuracy. I am asking you to verify this as accurate : XXXX  XXXX XXXX is reporting that my truck loan account was charged off XX/XX/year>. However, I would like to clarify that I fully paid off my truck loan in XX/XX/year>, and the account was closed in XX/XX/year> with a status of " Paid or Paying as agreed. '' XXXX  XXXX XXXX never contacted me about any outstanding payments after settling the loan. 

To support my dispute, I have enclosed copies of my past credit reports showing the correct account status and the online bank statement for my truck loan account, which demonstrates a XXXX balance.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I saw a XXXX XXXX that showed a person selling products he owned for cheaper because he needed to raise money for a Wedding, now, all of that is a fake story, as I soon found out by doing a reverse image check with the pictures he showed, and found that someone else posting the exact same pictures, with some cross-referencing, I realized that he was lying. 

Unfortunately, I realized this after I was tricked into sending him the money, and after I brought it up to him, he blocked me, the person is XXXX XXXX and he scammed me for {$68.00}. 

I brought it up to Paypal and instead, I got hit with an AI automatic answer, and a refusal to continue with my case and even to hear me out further, this is incredibly disrespectful and unprofessional to the user, I request the amount to be deducted from the person 's account and transfer it back to mine. 

I will provide image proofs if needed, in the picture you can see the name of the scammer and the account they use to scam, as well as other users reporting the same scammer previously
Product: Mortgage

My mortgage is processed by Loancare LLC. In XXXX, I requested my escrow requirement be waived and allow me to be responsible for my property taxes. After submitting the required paperwork, my exemption was approved in XXXX and my escrow payments to date were refunded to me through XX/XX/XXXX. 
I called Loancare to ask if my XXXX auto-pay could be updated to take out the XXXX escrow amount. I was informed it was not possible but I could call back for a refund. It was presented as a simple process. 
I called them back after payment had been processed. Customer service told me they processed the refund. However, I did not receive the refund. I called back in XXXX. I was told that the refund department needed verification that I had paid them the funds. 
I informed them that it was Loancare that processed my auto-pay as they had done in prior months and that their own statement showed the excess funds. They told me that I needed to submit a bank statement showing that the funds had been deducted from my checking account. I asked how did that prove anything if they didnt believe that they already had my funds. I was told that that was their process and if I wanted a refund I would have to comply. 
I am concerned about identity theft, so I submitted a statement with my only the last four on my account number showing and the actual transaction. This was not acceptable. This had already taken up too much of my time and headspace, so I submitted the entire statement, They sent more communication denying the refund with excuses such as needing additional information or saying they misunderstood the request. The final straw has been when theyve responded saying that the request is after 60 days of payment processing and can not be refunded. They do not mention what will happen with the excess funds or that they originally refunded the escrow balance well after 60 days. 
It seems they are looking to ways to frustrate their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of   the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I strongly suspect them to be fraudulent. I request a thorough investigation and immediate removal from my credit report.
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 rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXX DOFED XXXX {$900.00} XXXX XXXX {$490.00} XXXX   XXXX {$150.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX 's lack of action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to temporarily remove a freeze from Experian. I submitted all the necessary information both online and by phone several times today, XX/XX/2018. I have been repeatedly told that they can't process the information " at this time ''. It is IMPOSSIBLE to speak to a live person on the phone. You just get the automated responses. This is extremely frustrating and time consuming. 
Terrible, or I should say, non existent, customer service.
Product: Debt collection

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report over XXXX months ( XXXX  days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.
Product: Credit reporting or other personal consumer reports

I learned from a credit report from my mortgage agent that the company Eastern Account System filed a negative credit report about me. I attach the excerpt of that report. I have never heard from the company before and i also never got an invoice from XXXX communications for the amount i owed ( XXXX USD ). In fact i paid this amount when i about that open balance in a phone call with them. 

I disputed this by phone with Eastern Account system, it was an AI based system, i could not talk to a human being. 

I sent the complaint, which i attach by mail as well.
Product: Credit card or prepaid card

On/about XX/XX/XXXX I notified Wells Fargo via phone that I noticed multiple unauthorized fraudulent authorizations/charges on my Wells Fargo Visa card XXXX The authorization attempts and my phone call were on the same day. I hoped my call would halt the transaction. I also spoke directly with XXXX on the same day to advise them of the fraudulent activity. There were multiple authorizations for the same smaller amounts ( {$160.00} & {$53.00} ) which is a very common fraudulent practice and one that Wells Fargo should have alerted on well before I called in. If Wells had proper fraud strategies in place, listened to my original fraud complaint or performed more research by utilizing platforms such as XXXX XXXX they could have determined that the IP address did not match any IP address tied to me. The fraudsters were attempting an account take over. It is a common and well-known practice for fraudsters to test small amounts repeatedly, as was done in my case. Wells Fargo is very aware of this practice yet they determined the charges were not fraudulent. I re-disputed their findings and disclosed that I had received the fraudulent merchandise. The items remain unopened and in the same package and condition I received. I fully disclosed that I did not want to be further inconvenienced by having to return the items to the store. Again, items I did not order. Again, all of this hassle that could have been avoided had Wells Fargo alerted to the textbook fraudulent activities. Even after my re-dispute, Wells did not properly investigate my fraud claim, stating in a letter dated XX/XX/XXXX that the charges are valid and appear to be authorized by you. Absolutely shameful that as a lifelong Wells Fargo customer that my {$210.00} claim did not receive a fair and reasonable investigation, as is the law. 

Im certain that Wells complete disregard for consumer safety and satisfaction is being felt by countless other consumers that dont know about CFPB so Im hopeful my experience will be a guide for other consumers.
Product: Mortgage

There are some very questionable business practices with Fay Servicing and I have yet to get answers. After reviewing my docs and Having my accountant go through the errors there are major discrepancies.

According to foreclosure complaints I been in default since XX/XX/XXXX ( see attached ) XX/XX/XXXX my payment was refused ( see attached ) Fay accepted XXXX payments in XX/XX/XXXX I have XXXX  years of consistent payments before that ( see attached ) Letter Dated XX/XX/XXXX -- -- -- WAS MANUFACTURED AFTER THE FACT Letter Dated XX/XX/XXXX -- MANUFACTURED AFTER THE FACT ( see sattached ) Payment was made XXXX and XXXX XXXX Payment returned XXXX ( see attached ) Letter Dated XX/XX/XXXX XXXX that is the XXXX statement upon inception. Was that Balance carried over from XXXX XXXX including rearage? What were the terms in regards to XXXX XXXX Obligation with settling the debt that fay Servicing assumed?

The letters that I have attached have been manufactured after my recent request. If you look at my payment history the default letters don't even chorrelate. I need clarity. 

Furthermore, I have a XXXX XXXX XXXX father residing with me who has XXXX XXXX. Why was he served in the complaint and a default judgement entered. Is that even legal? He is literally terrified that he has to leave. 

Also, My son resides with me and is a XXXX Veteran. He was also mentioned in the complaint and I don't know why. Im still waiting for clear answers and responses to the letters I sent certified mail.
Product: Checking or savings account

Through the early warning company, a report was made about all of my banking information. With this report, it was discovered that someone created some sort of USAA account with my name, date of birth and Social Security number. This account was closed and purged, causing my Social Security number to be put on a do not open list for all banks.
Product: Consumer Loan

When I was XXXX year old I wanted to purchase a car. I knew that I was n't going to able to purchase without a co-signer. So, I asked my parents to co-sign but they told me that they could n't co-sign because I was n't financial stable, my credit was not established and I did n't hold a job for more than XXXX weeks at a time. Prior to purchasing the car I had over XXXX jobs between ( XXXX through XXXX of XXXX ). Eventhough, I knew there would be no way somebody would loan me any money to purchase a new vehicle, I still decided to explore on my own one weekend in XXXX XXXX. I ended up at XXXX XXXX XXXX XXXX in XXXX, MO. Where I was greeted by a salesman named XXXX. I test drove a XXXX XXXX XXXX charger and was told that I would n't have no problems getting approved. Well, I was astonished that I actually got Approved to purchase the car. The car loan was for {$25000.00} for 7 years. I traded-in my XXXX XXXX ( my parents ) for {$1000.00}. Prior to getting the news that I was approved I told the loan officer my income/credit situation. Which was this : The year prior ( XXXX ) of purchasing the vehicle I only made {$5600.00}. I bounced around from job to job. No stability whatsoever. XXXX, the year I was approved for the loan my income for the year was only {$10000.00}. But I purchased the car in XXXX of XXXX which was only the first 6 months of that year of making {$10000.00}. I had only been on my job for XXXX weeks. My credit was n't too terribly bad but none the less, my income alone should of raised a RED FLAG!! I had XXXX loan out for XXXX which my parents co-signed to try to establish some credit. That loan was through XXXX. The payments were {$120.00} a month for 18 months. My car payment is {$450.00} for 7 years. With an income of only XXXX the year before and I already had an an installment loan out for {$120.00}. I was baffled as to how I was Approved for this car loan. My life since having this car has been, to say the least, so Stressful trying to keep up with these payments. Which I have n't ... .the car has been reposed once and as of now looking to be reposed again. My parents have helped me out making my car payments numerous times and they will not continue to do so. Because of the economic conditions of the job market, I as still struggling to finding fulltime work with my experience. I am now XXXX year old and my credit has bombed. I should of never been approved for this amount of loan with this high payment with my credit, financial situation back in XXXX. I am so depressed because of this situation and need you to reevaluate my situation and make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft my credit file is currently in the Office of Consumer Affairs as Equifax calls it I spoke with a gentleman today by the name of  XXXX  who refused to follow up on my identity theft disputes and I have sent them documentation well over 15 times credit file has split and he hung up on me and refused to assist me this is affecting my life. And Equifax Office of Consumer Affairs is a joke another way to make money off of using erroneous and incorrect information that reports to the file.