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

Original Creditor : XXXX XXXXXXXX XXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor : XXXX XXXX XXXXXXXX, Account/Card XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report. 

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit card

As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.
Product: Credit card or prepaid card

So I have a account with chase and I had a dispute for fraudulent transactions that I didnt authorize but chase denied and refuse to help me at all honestly I would highly not recommend chase got with XXXX or XXXX is a way better option than chase they are terrible with customer support and dont expect them to help if you money ever get stolen they will only tell you sorry we cant help it seem like this was authorized
Product: Payday loan, title loan, or personal loan

Discover personal loans does not maintain accurate financial information if accounts. 

The also employ deceptive practices to sell loans to customers which in reality appear to be credit accounts or credit cards with no fixes amortization schedule. The payoff changes with, extending the monies due and term without notification or authorization. 

Numerous payments ahead or on schedule does not reduce the principle balance. Numerous times have occurred where no principe or interest applied to the payoff balance. They are unwilling to account for the discrepancy or respond in writing for forms request. 

Agents have stated that customers who paid up to a year in advance are charged additional daily interset as common practice. 

No response from the company and lack of any responses, let alone valid information about accounts leads me to believe that have an unethical culture and are intentionally hiding fraudulent and unlawful practices.
Product: Consumer Loan

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Product: Debt collection

This account is reporting in error. It says on my credit report that the account was opened in XX/XX/2017. I have not been to any hospitals or doctors in years.
Product: Mortgage

In XX/XX/XXXX I submitted a application for the Making Home Affordable Plan. Wells fargo sent a letter dated XX/XX/XXXX requested a the Benefit letter and social security award letter for my husband and my latest two paystubs XXXX and tax returns for any contributing non -borrower. On XX/XX/XXXX, I received a letter from Wells Fargo which listed 16 requested items received by Wells Fargo and 6 missing items. On XX/XX/XXXX I received a Denial Letter for Wells Fargo Proprietary Step Program a program which I did not apply for. The Denial letter list only one program that I was reviewed for and did not offer any details of the evaluation process or what was used in terms of qualifying us the interest rate used or if the amortization method used. I feel that Wells Fargo did not want to review for the Making Home Affordable Program for which I applied.
Product: Debt collection

No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still account that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for Experian , XXXX , and XXXX .

I recently went thru a XXXX  and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 


With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 


Sincerely, XXXX XXXX
Product: Debt collection

I incurred in medical debt with XXXX XXXX Hospital. The hospital works with Rash Curtis Associates to collect the debt. Rash Curtis harrased me for months, when I call them to negotiate and to let them know I intended to pay, they asked me to request an increase in one of my credit cards to pay them. I did it but the bank rejected the request because I had bad credit score resulted in Rash Curtis placing me on collections. My credit score went down even more after the hard inquiry. I asked  for a loan with a super high interest rate to pay them. I was a little confused about the amount due, I was struggling to pay them and the hospital so I took both of their statements as accurate. It was until I started to notice that the amounts matched the bills I was paying the hospital so I requested an itemized statement from both and I found out that the hospital had sent my account to them and then recalled it but Rash Curtis continued to charge me as if it had never been recalled. I only paid them because Rash and Curties threatened me to initiate legal proceedings against me. When I paid them fully Rash Curties said they would remove the collections from my credit score. After 3 weeks I called them because it still showed in my credit report and they told me whoever collected the full amount approval had forgotten to remove the collections from my credit report. Nevertheless to say, this has affected me tremendously as I paid twice to the hospital and to the collection company. My credit score is ruined, I have had to pay more for rent because I cant rent a place on my own because of the collection impact. I have not been able to finance a car because of my credit score and the XXXX XXXX of almost being sued and attempted debt collection has been horrible. I went to the doctor for XXXX and this had made my life worst. I lost my job because of my condition and have been struggling financially since. Before all this my credit score was in great standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud report on XX/XX/2022 ... ..it is not true and is an error on XXXX XXXX  XXXX XXXX  reporting it.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXXXXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Debt collection

FCRA VIOLATION I HAVE NO KNOWLEDGE OF INCORRECT ACCOUNTS ON MY CREDIT REPORT : XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX  XXXX # XXXX. FTC REPORT : XXXX
Product: Credit reporting or other personal consumer reports

A HARD INQUIRY FROME EXPERIAN XXXX XXXX on XX/XX/year> I didnt Recognize I think it's due to Identity theft shows on my Experian credit bureau
Product: Credit reporting or other personal consumer reports

These are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these credit cards or auto loan, and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.
Product: Debt collection

I already confirmed with the company that this account was closed and it shows as closed on my other credit reports. Just still showing on XXXX and when disputed was given the info that it will remain since the company verified it. I have a letter for proof of payoff even.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX  to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both frontier and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and TransUnion via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are reporting inaccurate information on my credit report. Someone has used my personal and private information to obtain credit.  XXXX XXXX XXXX/ XXXX. Opened, XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account XXXX.  XXXX XXXX XXXX/XXXX XXXX, opened XXXX XXXX, 2017 collection account.  I have never had any account with these companies and this information has been placed on my credit without  any proof or validity.  
§ 609. Disclosures to consumers [15 U.S.C. § 1681g]
(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request,
and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:
(1) All information in the consumer's file at the time of the request, except that nothing in this
paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any
information concerning credit scores or any other risk scores or predictors relating to the consumer.
(2) The sources of the information; except that the sources of information acquired solely for use in
preparing an investigative consumer report and actually used for no other purpose need not be
disclosed: Provided, That in the event an action is brought under this title, such sources shall be
available to the plaintiff under appropriate discovery procedures in the court in which the action is
brought.
(3) (A) Identification of each person (including each end-user identified under section 607(e)(1)
The credit bureau refuse to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS 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 REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts and inquiries on my TransUnion credit report that I did not open, authorize, or have any knowledge of. These fraudulent items include : Fraudulent Accounts : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX Inquiry Date : XX/XX/year> Upon discovering these fraudulent items, I immediately filed a dispute with TransUnion and provided the following supporting documentation : A copy of my drivers license for identity verification A copy of a recent utility bill verifying my address A copy of my FTC Identity Theft Report ( XXXX ) Despite my formal dispute, TransUnion has failed to take corrective action by either not removing these fraudulent accounts or failing to properly investigate the matter within the legally required timeframe. 

TransUnions Violations TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) for : Failing to properly investigate my dispute within 30 days Neglecting to remove fraudulent accounts despite clear evidence of identity theft Allowing fraudulent inquiries to remain on my credit report, impacting my ability to secure credit