23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to this matter.
Product: Debt collection

I opened a XXXX XXXX Account from within my personal XXXX account that allowed me to make credit purchases digitally w/o requiring a physical card. When making a pmt to my XXXX, I would simply login to XXXX  & submit a pmt to my XXXX & we NEVER had an issue making on-time pmts for several months. However, at some point our XXXX  acct was hacked & then upgraded to a business XXXX account wholly unbeknownst to me. Once this happened, we no longer had any access to login & our XXXX  acct information completely got deleted from our account & left us with literally no way to even make a payment. Further, our acct was used illegally which increased the balance to over $ XXXX when we only used the card for approx $ XXXX {$700.00} in charges. I contacted XXXX multiple times trying to regain access to my account & figure out how to make a payment, but XXXX could never figure out how to fix my account, which caused me to have multiple late pmts reported on my credit, which reduced my credit score by over XXXX points & XXXX wouldnt help in the least bit even after sending in a copy of my police report along with a form that was supposed to be sent in w/ my police report. Fast forward to XX/XX/XXXX & as my husband & I were out in our yard planting flowers, we had a process server show up to serve us with court documents showing that Portfolio Recovery had filed a lawsuit against me & when I called, they threatened to garnish my bank account & that they would be contacting the XXXX XXXXXXXX XXXX XXXX to have my XXXX License suspended for being a XXXX  & not paying my bills. They have egregiously violated many consumer protection laws including never properly providing the debt validation documents which they are required to do so within XXXX  number of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

There are two inquirie on my credit report that I did not do. My information has been compromised Please remove these 2 fraudulent inquiries immediately please. It's affecting my credit profile. I am attaching my Identity Theft Report to this compaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Transunion LLC Consumer Dispute Center regarding inaccurate reporting on my credit file. Despite providing evidence of the bankruptcy inclusion and discharge, TransUnion continues to report the account XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX as derogatory, misleading creditors and affecting my creditworthiness. 

Details : Account XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX included in bankruptcy discharged on XX/XX/XXXX. 
Formal dispute letter sent to Transunion XX/XX/XXXX along with supporting documentation. 

Requested Resolution : - Prompt investigation and correction of the account status to " Included in Bankruptcy '' or a similar designation. 
- Removal of any negative remarks associated with the account. 
- Written confirmation of the investigation and resolution. 

I believe this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of the dispute letter and supporting documents for your reference. 

Please review this complaint and facilitate a timely resolution to ensure the accuracy of my credit report. 

Thank you for your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

Both XXXX as well as Equifax I created accounts with to monitor my credit. Over the years random companies will pop up with random charges in any mounts of a couple dollars ( XXXX XXXX ) all the way to thousands of dollars ( ex. XXXX XXXX ). I continue to dispute and report in the Most timely manner as it is when posted. The dates and ranges of these reported collections and inaccuracies are not valid at all and even with proof both XXXX and Equifax make NO changes or update to my dispute on removing the fraud and non valid claims to my credit I call the companies and they request I provide my social security number and only being able to conduct a phone call with these debt collectors with providing my of my personal and supposed to be private information is the only way I am advised I can get any help. It always is a constant feeling of not actually having a say or control of the truth and accuracy of my own report, like Im stuck in a box. I have to give exactly the information others seem to be able to access and have to add inaccurate claims and over the phone with strangers that are trying to only collect the high debts that are not mine at all! I want to sue, I want changes and requests HEARD.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX  XXXX This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit reporting or other personal consumer reports

Ive lost my wallet and all of a sudden i had medical bills and phines in my name. Ive been disputing this for about 5 years. Please help
Product: Bank account or service

I am resubmitting my complaint against Bank of America, but am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. Below is the new information ; ; source -- -XXXX : XXXXhttp : XXXXFROM XXXX XXXX : XXXX
Product: Checking or savings account

an account was opened in my name and social security number that i never opened. im not sure when the account was opened. it was closed on XX/XX/2020. the charge of amount is {$170.00}. the reported adress is a place in Oklahoma i have never lived at. i have tried to open several checking accounts and can not do so because of action. i dont really know where to go from here because the XXXX  gives me no other info besides a routing number and the last for numbers of the account.
Product: Mortgage

This mortgage was bought from my original mortgage company XXXX for the amount of {$250.00}, XXXX on XX/XX/XXXX. As a government employee I qualified for settlement monies that are free after 5 years and has nothing to do with US Banks mortgage or their balance. US Bank is trying to count monies that they having nothing to do with to give the dishonest impression I owe them more on my mortgage than the {$240000.00} reflected on my mortgage statement. That is dishonest because if I move before the 2 years is up I would need to pay the money back to the State of Maryland and not US Bank as they are implying on the credit report. I only financed a mortgage for {$250000.00} on XX/XX/XXXX. They are giving the incorrect impression that I have only paid leas than XXXX toward the principle of their mortgage since XX/XX/XXXX which is being dishonest. I request they report the mortgage balance owed to US Bank only and to correct the balance to all XXXX reporting agencies.
Product: Credit reporting or other personal consumer reports

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. 
Account name : XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX ACCOUNT # XXXX, Account name : DISCOVER BANK ACCOUNT # XXXX, Account name : XXXX XXXX XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to XXXX XXXX XXXX or any other entity with an account number matching the one mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. **Section 609 ( a ) ( 1 ) ** : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein. 2. **Section 611 ( a ) ( 1 ) ( A ) ** : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 3. **Section 623 ( a ) ( 1 ) ( A ) ** : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information. Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by XXXX XXXX XXXX, as mandated by the FCRA. 2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable. 3. Confirmation in writing that this erroneous information has been removed from my credit report. I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.
Product: Mortgage

In XX/XX/XXXX, we filed a property loss claim with our insurance company for roof damage. Prior to the property loss our mortgage company changed from XXXX to Flagstar. After filing the claim, we received the insurance check from XXXX XXXX for {$5100.00} for repairs to the roof. However, once we received the check we noticed that the check was written to both me and my husband and to XXXX instead of Flagstar. XXXX XXXX replaced the check with the correct mortgage company and notified Flagstar that the check needed to be endorsed. Flagstar requested information from us and we provided everything requested. Flagstar continues to hold the check for the last 3 months and continue requesting information from us that, again, we provided. When I contacted Flagstar by phone about the check they stated that the check was mailed. After a week, the check had not arrived. I contacted Flagstar several more times and they continued to inform me that the check had been mailed. When I mailed the check to Flagstar for endorsement, I sent a pre-paid envelope with it. I was told that the could not find the pre-paid envelope to mail it. Then I was told they could not read the tracking number on the XXXX label. I called the company over a span of two weeks or more and they continued to tell me the check was mailed. I received an email from Flagstar on XX/XX/XXXX stating that " the claim check has been endorsed and released and sent to you via regular mail to the mailing address on file. '' They had specifically told me last Friday, XX/XX/XXXX that the check was mailed in the XXXX ( prepaid ) envelope sent to them from me. This process has continued for 3 months and when I request to speak with a supervisor, I am always told " no supervisor is available '' or that they can put me on a call back list and the supervisor will contact me in 24 to 48 hours. There has not been a call from a supervisor from that company. We have a contractor that has been waiting for several months to repair the roof and the mortgage company keep holding the check and falsifying the fact that the have not sent the funds. 

I believe this company is committing fraud and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts made to dispute and correct information appearing on credit reports with XXXX, Equifax and XXXX. Issue is in regards to medical collection accounts that belong to someone with similar name spelling. This includes three accounts from the same collection agency, XXXX XXXX XXXX on behalf oXXXX XXXX XXXX, in the amounts of {$110.00}, {$130.00} and {$2200.00}. Documentation was submitted, which included name information and copies of billing statements from the original account holder ( not the collection agency but the hospital ) showing patient name on the statements. Most recent actions taken include : dispute submitted to XXXX XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to Equifax around XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to XXXX around XX/XX/XXXX and returned stating that the smaller account for {$130.00} would be removed, while there was no sufficient documentation shown to remove the larger account for {$2200.00} and the information was verified as accurate. Both accounts for XXXX were included in the same dispute and the documentation submitted/accepted was the same, and the accounts are from the same collection agency.
Product: Credit reporting or other personal consumer reports

I have a few collections that I didnt not approve on on my record
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2022 I took out a title loan with what I thought was a 30 % loan with the online website Loanmart. Loanmart is charging me 99.9 % on my loan. That is not what I signed up for. How is this legal? I've paid them over {$9800.00} with a large payment of {$4000.00} to get my title released. They applied that to " their '' interest instead of my principal a customer service reps informed me, and told me I should of read the " fine print ''. Now there's more fees from them and every month it's another excuse and more money they want. I feel like I am a victim of a " predatory loan '' scam at this point. Please help.
Product: Credit card or prepaid card

RECENTLY I PAID OFF MY XXXX  XXXX  ACCOUNT THAT WAS ISSUED BY WELLS FARGO FINANCIAL NATIONAL BANK. UPON PAYING MY ENTIRE BALANCE OFF I PULLED MY CREDIT TO MAKE SURE THAT THE PAYMENT WAS REFLECTING CORRECTLY AND I SEE THAT THEY HAD IN THE PAST REPORTED THIS ACCOUNT AS BEING LATE FROM XX/XX/XXXX TO XX/XX/XXXX AND THIS IS 100 % INACCURATE. MY ACCOUNT WAS ENROLLED INTO A DEBT MANAGEMENT COMPANY SO THAT THEY COULD HELP ME MANAGE MY PAYMENTS DUE TO A HEALTH SITUATION THAT I ENDURED BACK IN XXXX EARLY XXXX. THIS COMPANY GOT THEIR PAYMENTS EACH MONTH. UPON CALLING THEM THEY SIMPLY SAY THEIR SYSTEM IS SHOWING THAT I WAS LATE. NO VALIDATE, VERIFIABLE PROOF JUST THEIR WORD. THIS ACCOUNT IS CLOSED WITH XXXX BALANCE, THEY GOT FULL PAYMENT AND YET THEY WANT TO KEEP INACCURATE, NEGATIVE INFORMATION REPORTING AGAINST ME. 

THE FCRA SAYS THAT ALL INFORMATION REPORTED MUST MEET 3 REQUIREMENTS. IT MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND THIS DOES NOT MEET THAT REQUIREMENT. I AM NOW ASKING THAT THE CFPB STEP IN AND INVESTIGATE THIS COMPANY FOR FALSE REPORTING. I AM REQUESTING THAT ALL MENTION AND REFERENCE TO LATE PAYMENTS BE REMOVED FROM THIS ACCOUNT. IT IS NOT CLOSED WITH XXXX BALANCE AND THE LATE PAYMENTS ARE HURTING MY CREDIT RATING AND THEY KNOW THIS. DURING COVID19 I ACTUALLY THINK ENOUGH OF THEM TO PAY THE BALANCE OFF AND THEY DO THIS TO ME. ILLEGAL AND NOT RIGHT. I WILL TAKE THEM TO COURT AND SUE THEM FOR A VIOLATION OF THE FCRA AND IF I WIN THE JUDGEMENT AWARDED IS XXXX PER VIOLATION SO MORE THAN IT WOULD COST THEM TO SIMPLY REMOVE THE INACCURATE INFO.