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

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference under XXXX, transferred TO XXXX  XXXX XXXX, account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX  Account XXXX  XXXX has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Product: Bank account or service

I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX 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: Checking or savings account

A few days ago, on XX/XX/XXXX, I noticed a fraudulent withdrawal of {$1800.00} from my Wells Fargo checking account. The transaction took place at a branch XXXX miles away from where we live, which we have never visited, on XX/XX/XXXX. Both my husband and I have our debit cards and IDs in our possession, and neither of us made this withdrawal. I immediately reported the issue to Wells Fargo, and they opened a claim, but the claim was denied the following day, stating there was no wrongdoing on their part. 

At the XXXX XXXX XXXXXXXX branch, where the fraud occurred, the staff refused to provide any information when I contacted them. 

I am now highly concerned about potential identity theft and suspect there may be internal collusion within the branch.
Product: Checking or savings account

My Citibank account was blocked as well as online access Citi said it was due to unusual activity based upon a large check that I deposited from my mother who has an account with XXXX XXXX  They verified that I personally deposited and they talked to her and confirmed that she made the check.

Still 24 hours later my account is still blocked and I can not access my account or even see it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXhas a collection on my credit that was opened in XXXX  and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.
Product: Debt collection

I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX, and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report Here are the accounts in dispute for Transunion : 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

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX F XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/2023 to dispute accounts reporting on my credit report that do not belong to me. On XX/XX/2023, I received a response from Experian stating that my disputes were complete and that their investigation came back with results that the accounts that I disputed were verified and meet FCRA requirements. To this, I responded on XX/XX/2023 with a request for the method of verification used to determine the accounts in question were in fact mine. On XX/XX/2023, I received a notification from Experian stating that they would not be reinvestigating my dispute and they also did not provide me with any of the information that I asked for to prove that there was an investigation or that their investigation resulted in valid proof that the disputed accounts are mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXX Balance {$840.00} date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$690.00} date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} date opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding incorrect information on my credit report and received an email from the credit bureau stating that they believe the disputes are originating from a third party. However, these disputes were submitted directly by me, not a third party. I even called to confirm my identity, but they still refused to process my disputes. I feel that the money I spent mailing my disputes was wasted. Additionally, I sent personal information by mail to verify my identity, only to find that my case was not thoroughly investigated.
Product: Credit card or prepaid card

SYNCHRONY BANK I'm filing this complaint on your bank due to the fact that their is error On my credit reports from your company I have disputed this account half dozen time with each of the three reporting agencies and they state that the account is reporting correctly but I beg the differ your company is in violation of the FCRA 623 it states that the creditor must enter that the consumer dispute message when a consumer dispute and you have failed to do so therefore this can not be reported you could be sued for {$1000.00} per credit reporting agencies The law is very clear as to the Civil liability if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. please delete this account from all three reporting agency
Product: Checking or savings account

At the beginning of XX/XX/2022, my Wells Fargo checking account was hacked and {$2300.00} was withdrawn by the hacker to purchase cryptocurrency in my XXXX account they then withdrew. I reported this to Wells Fargo right away and Wells Fargo notified me that they had deposited the amount back to my account. The hacker then attempted to debit {$1000.00} and {$5000.00} from my account which Wells Fargo stated they did not pay. 

However, I later discovered that Wells Fargo then reversed the {$2300.00}, {$1000.00} and {$5000.00} from my XXXX account unbeknownst to me plus another {$1300.00} and {$49.00} for accounts not mine. Wells Fargo will only state that they credited my account {$2300.00}, not that they then took {$9600.00} from XXXX which XXXX then charged to me. 

Despite repeated letters to Wells Fargo, they totally dismissed my question about these reversals and provided no answer. They told me to ask XXXX. XXXX told me to ask Wells Fargo. Wells Fargo stated that they didn't have the authority to address accounts with other institutions nor provide specifics to a " third party ''. It is my Wells Fargo account and I am not a third party to my Wells Fargo account. The Wells Fargo representative stated that it was " regrettable that you [ I ] may have authorized transactions that ultimately related to a fraud scheme ... '', without any explanation of what that meant. T-Mobile ported my phone number to the hacker 's phone without my knowledge. I DID NOT AUTHORIZE ANYONE TO STEAL MY PHONE NUMBER AND MY IDENTITY. Very poor and dismissive treatment by Wells Fargo for a customer who has been with them through all of their iterations for many decades. Or anyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of breach on my social and notices accounts that I did not recognize, which one was the Opportunity Financial I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received a notification on the XXXX XXXX app that a XXXX loan labeled XXXX XXXX  was marked as a delinquent payment. This decrease my score by XXXX points. The government extended the freeze on XXXX loan payments through XXXX so there was no reason for this loan to be marked with a delinquent payment.
Product: Debt collection

This is a violation of FCRA! {$360.00} was opened with Southwest XX/XX/2023 as a collection on my credit report. 

This same amount of {$360.00} was deleted not too long ago for inaccuracy with XXXX  ( now its back on my credit report, but as a collection with Southwest in XXXX ) ( Original Creditor : XXXX XXXX XXXX XXXX ). This is a violation of FCRA!
Product: Vehicle loan or lease

I have paid XXXX dollars, sometimes XXXX per month for over 2 years, never an issue. I recently contacted XXXX XXXX and was assured that due to the 2022 maturation date and my having 75 % of that amount paid, the XXXX was fine. Just last month they decided it wasnt. After the first argument, i told them not to contact me and have told them 3 consecutive times. They still call me 2 or 3 times a day. I recently had a XXXX and i have XXXX XXXX XXXX. They are trying to change the rules of my contract and then harassing me for their mis-understandings. Breaking the FDCPA rules and therefore my rights under the law.
Product: Debt collection

Debt collection just kept being transferred to another even though Id set up pymt arrangements. Didnt give no company permission to sell the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud accounts distress my XXXX XXXX. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that tatis a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete this damaging account from my file : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am truly a victim here. 

AWA collection Avanta recovery service XXXX credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
Product: Credit reporting or other personal consumer reports

There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called the cure at XXXX XXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas governor drained it. Her name is XXXX. XXXX XXXX drained 10 accounts every month that fill up with money from solcial sercurity these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my dna curing the covid 19. i need some one to investagate these accounts and who drained them. thank you XXXX XXXX XXXX
Product: Consumer Loan

I financed a vehicle, XX/XX/2004 XXXX thru XXXX in XX/XX/XXXX. In XX/XX/XXXX, the car was parked outside my home and was damaged by a hit an run driver. My insurance company at the time paid the car off but there was a balance left for financing, as I was unaware of GAP insurance at the time. The car dealer did not mention or offer GAP insurance so I did not know this existed. After paying off the car, XXXX financed a XX/XX/XXXX XXXX in XX/XX/XXXX. By this time, I 'd given birth to my second child. XXXX XXXX offered a {$110.00} ( {$58.00} bi-weekly ) a month payment amount to pay off the balance of the XXXX For a while, I was able to cover both payments but as times got hard, being a single mother of XXXX, and I fell behind on making payments. XXXX, from XXXX agreed to work with me and adjusted the monthly payments on the XXXX to compensate both accounts ( I was paying {$250.00} but it was split between both loans XXXX. This stopped in XX/XX/XXXX. I made several proposals to the company, asking if they could put the XXXX loan at the end of the XXXX loan and payments would continued to be made once the XXXX was paid off. UnfortunatelyXXXX was n't able to accommodate. XXXX decided to start taking my monthly payments off of the XXXX and applying them to the XXXX. I called several times to have them reverse the transactions and filed a complaint with the BBB regarding Its collections practices. XX/XX/XXXX - XX/XX/XXXX, I went back and forth with P.F.S.C. INC regarding my inability to make the additional payments for the XXXX. In XX/XX/XXXX, I received a notice of garnishment of my earnings stemming from a lawsuit that was filed back in XX/XX/XXXX but I was never notified of the suit by XXXX nor Its counsel XXXX. XXXX, lied under oath and signed an affidavit claiming that I was served notice and was granted a default judgment on behalf of XXXX and I was never given the chance to defend myself. This was a deliberate attempt to steal funds from a single mother of now XXXX children. I have lost my home, all of my personal belongings because I could not afford to pay the storage, I am currently homeless due to the inability to make monthly rental payments. I tried to work this out with the company but was not afforded the opportunity too.