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

Hi I am submitting this XXXX 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Inquiries appearing on all three Credit Reports. 


XXXX. XXXX 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: Debt collection

Hi I had already complained about this debt collection agency before because the apartment I was staying at called XXXX XXXX, broke my lease by not repairing my air conditioning during XXXX degree weather and Im still receiving letters from them. I will be providing the response from the previous claim.
Product: Checking or savings account

XXXX XXXX handling of fraudulent transactions on my account demonstrates clear negligence, and as I understand it, failure to uphold consumer protection laws. 

On XXXX XXXX 2025, after promptly reporting a fraudulent XXXX charge of {$650.00}, I called Wells Fargo customer service to report the fraud. My card was canceledan appropriate first step. However, despite this alert, an unauthorized {$9800.00} transaction was processed just hours later. My account was evidently not flagged for suspicious activity, and Wells Fargo made no attempt to verify or block this transaction, despite it being grossly outside of my normal banking behavior. 

That same morning, at an in-person meeting at the XXXX XXXX  , I was informed that this {$9800.00} ( bill pay to XXXXXXXX XXXX XXXX ) transaction was still pending. I reasonably expected Wells Fargo to act quickly to prevent its processing. Instead, without any communication, the funds were briefly returned to my accountonly to be inexplicably reversed the following morning, again without explanation. 

I was told my claim was denied but I was not provided any explanation. 

The lack of transparency and due diligence in handling this matter, combined with the unjust denial of my claim, has caused significant financial and emotional distress. I have spent hours at the XXXX XXXX  attempting to resolve this situation. I have also submitted all requested documentation, including : A police report ( officer card with report/case ID attached ) A computer repair report verifying removal of remotely installed XXXX  XXXXXXXX XXXX  second claim was opened, but the bank representative told me she has been informed that it will be denied, but provided no other information. 

I am seeking your help in recovering {$10000.00} ( fraudulent XXXX withdrawal {$650.00}. + fraudulent {$9800.00} withdrawal ) and any potential overdraft fees. 

Thank you for your assistance
Product: Credit reporting or other personal consumer reports

This is my second complaint against Experian. I filed a cfpb complaint and sent a dispute letter in the mail requesting all incorrect addresses, and incorrect spellings of my legal name be removed from my credit report. They have only updated incorrect addresses instead of removing these wrong addresses even after I mailed over copies of my Drivers license showing my current address. I also mailed out a copy of my SSN, and proof of mailing address to no avail. Which is not fair to me because what happens to my personal information if it is not updated in my credit profile? I am disappointed and concerned that my legal rights are being violated.Their are 6 different names on my credit which are all incorrect. Also two of the addresses listed are actual businesses, not single family homes or apartments. My father 's name is even listed, which is incorrect. I am unfairly being hurt by having these addresses and names that do no not belong on my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX, I have no contract with Portfolio Recovery Associates in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Product: Payday loan

XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 


You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went into the bank to apply for a loan. I was denied because when they pulled my credit profile the information that was showing belonged to my brother XXXX XXXX XXXX which included his SSN and DOB. Then I spoke with someone at Equifax consumer credit report and was informed that my Date of birth was incorrect. The incorrect date of birth reported was XX/XX/XXXX. They also told me I had a XXXX XXXX account in my name for {$240.00}. I paid that bill on XX/XX/XXXX. My correct Date of birth is XX/XX/XXXX. I have sent in the following documation to all 3 credit companies Equifax, XXXX and XXXX my Birth certificate, Social Security card, Identification card, along with Bank statement with proof of address. On XX/XX/XXXX I sent certified mail to all three Credit companies and still have not received no information. I have a tracking number for the mail I sent and the documents have not been signed for. 
they have been sitting at the postal office since XX/XX/XXXX. They are required to provide a signature when they are picked up. No one has picked up these documents from the postal office as of today. When I call the numbers to speak to someone I get a foreign who can barely speak proper english and continue to tell me to call back they have not received the documents. When I go on annual credit report and put in my information my brother credit profile comes up instead of mines. I do not have any credit in my name but I can not apply for anything because his information is on my profile. Attached to this complainant is proof showing when I pulled my credit report. This should not be happening Track Number for all credit companies : XXXX XXXX XXXX XXXX : XXXX XXXX Equifax : XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX which was paid in full by my XXXX XXXX XXXX they sold it to a another company which is XXXX XXXX and they are now trying to get me to pay that balance again plus they have added fees to it. Please have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 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. 

Also the credit bureaus took more than 30 days to complete my investigation
Product: Checking or savings account

Asking how could Wells Fargo put hard holds on all our accounts including savings and checking because it suspected our accounts may be lost or stolen. What is the basis of this suspicion that our accounts may be lost or stolen especially when we kept calling bank to release the hold on our checking and saving accounts. What do you you mean We are unable to dispute the hard holds that were placed on your account. We apologize for any inconvenience this may have caused. Thats it? It is more than an inconvenience to us because it caused us emotional and physical distress being unable to access our money to pay for rent, medical services, etc.

Putting our accounts on temporary hold for many weeks is surely a bank related error in handling our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft victim someone stole my personal information, like my SSN, BIRTHDATE, USING TWO FRIVOLOUS ADDRESSES & PHONE NUMBERS TO OBTAIN FRAUDENLTY APARTMENTS IN MY NAME. APPLIED FOR ALOT OF CREDIT CARDS IN MY NAME.

CAN SOMEONE PLEASE HELP ME ASAP TO FIND OUT IF MY NAME IS BEING USED FOR REAL IB THOSE ADDRESSES. I FOUND ALL OF THIS ON MY TWO CREDIT REPORT : XXXX & TRANSUNION BUT I CANT GET ONE FROM XXXX. 
XXXX INQUIRY DATE XX/XX/2021 PERSON USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA TO APPLY FOR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is formal notice that EQUIFAX has failed to respond in a timely manner to my disputed account XXXX  XXXX Balance Owed : {$3400.00}. EQUIFAX inform me to contact the creditor and I have done so. I have requested validation and has not produced it. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please FIX this item now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from Equifax and XXXX  showing " previous '' with 30 days past due and then " current '' showing it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has XXXX 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. ( I never gave XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Product: Mortgage

on XX/XX/year> I received over XXXX phone calls from multiple different XXXX agents all claiming some weird loophole about how the got my information and that they don't have to put me on the do not call list. 

they have repeatedly masked their numbers and hang up when you answer to trigger you to call them back and I called back they informed that invalidated the do not call and they would continue to call regardless. 

XXXX stated that their company told them the do not call is only valid for XXXX anyway and they should keep calling me. 

This is sad
Product: Checking or savings account

I am an XXXX XXXX that opened a checking account with Chime Banks. At the time their digital platform didnt require valid identification therefore I was able to successfully open an account. After depositing my money into the account, Chime claimed that during routine monitoring of accounts on Chimes platform, we identified unusual activity. They ultimately closed my account when I couldnt provide them a government-issued photo ID. At the time of closing my account, the balance was {$4800.00}. 

I have repeatedly asked them to refund my money by mailing me a check, but they have refused, citing that I need to provide a valid government id and other documentation that I don't have. 

Chime has created a mousetrap for XXXX XXXX to deposit their money and then requires a government issued photo ID and other documents that we can not provide. Chime is now holding my money knowing that I cant fight for what is mine. 

My position is that Chime should not be allowed to keep my funds, if they decided to change the requirements they should allow me to close the account properly and return what is mine. 

In conclusion, Chime bank is legally stealing from me. They should either issue me a refund by mailing a check to the address on file or send the funds to the State of Californias unclaimed property.
Product: Mortgage

i was given a 10.25 % loan.The company classified this as an investment property. It was and is my primary residence.I have tried to have this modified since XXXX only to be told the XXXX did not work. It does.. 
I have also asked for proper accounting and a QWR answered. I have been ignored.in violation of Federal Servicer act 12 U.S.C. 2605 { c }.

Please help
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately.

Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! XXXX requesting evidence to show why my accounts are considered delinquent or derogatory. 
This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. If you do not take action and comply with my request, I will have no choice but take legal action against you! 

XXXX XXXX XXXX XXXX TransUnion TransUnion Account # : XXXX Account Description : Individual Account Rating : XXXX Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : ACCOUNT CLOSED BY CONSUMER Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$18000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Late30Days Term Length : -- Loan Type : Secured I stumbled across a funny thing in my credit report. There's this late payment for account XXXX XXXXXXXX XXXX XXXX for the year XXXX, in the month of XXXX, but it's all tied up in a billing error. Now, 15 USC 1666 of TILA says you're supposed to fix these errors. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX. 
( XXXX ) back this up too. Could you do me a favor and change that late to " paid as agreed '' or " never late, '' but keep everything else as is? 


You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

I'd really appreciate it! 

Yours Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Been A victim of identity Theft
Product: Debt collection

I have called XXXX over and over again, I have never had an account with XXXX in my life. I will not pay for something that is not mines. So they sent it to Diversified consultants and I have disputed this with them also. Funny thing is they took it off every credit report but XXXX. Like I told them send me something with my signature on it to prove that it was me then we can go from there. Nobody has provided me with anything. the spelling on the bill is XXXX which is not my name. So if I went into an office then they would have my right name and the spelling correct.I am not paying someone else bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continue to send letters stating it is not me trying to validate the debt on my credit file. I have sent notification that indeed it is me ask for validation of such debt. Therefore the agencies are not doing their jobs in verifying the information and continuing to allow false information to remain on my credit file.
Product: Debt collection

I received a text message stating that nationwide credit and collections that I owed a medical debt from XXXX. I proceeded to contact XXXXXXXX XXXX, and they said that I was completely paid and had no outstanding debts nor had anything been sent to a debt collector. I have received six phone calls from this same collections agency however, I have never been provided an actual written notice through the mail that I owe a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$980.00}
Product: Checking or savings account

I have been trying to resolve a fraudulent charge on my checking account since XX/XX/XXXX and need your help. On XX/XX/XXXX - an unauthorized charge of {$220.00} was deducted from my Renasant Bank checking account for a payment to someone's XXXX XXXX XXXX I do not own a XXXX XXXX, never have and did not authorize this payment. I closed my Renasant Debit card immediately. 
I disputed the charge with Renasant Bank on XX/XX/XXXX advising of the fraud charge. On XX/XX/XXXX Renasant denied my dispute stating it was a valid charge. 
I called Renasant Fraud Dept and spoke to agent XXXX and her supervisor XXXX. 
They said XXXX told them this charge was valid and I would have to dispute with XXXX. 
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX who advised someone in XXXX XXXX, FL used me card number to pay their XXXX Bill. This fraud person had also created a fake email in my name- and told XXXX I was helping them out that month to pay for their bill. XXXX bought this fraud 's story and charged my card. XXXX also said there were " red flags '' all over the place for this person 's account- and that this theif used a different credit card every month to pay their bill. However, XXXX said Renasant Bank should have researched this and I would have to go back to Renasant to resolve with XXXX. XXXX also faxed me a copy of the XXXX charge and I am able to provide the XXXX  credit card number, name and address of the thief. 
I then called Renasant back and spoke with agent XXXX. XXXX and I called XXXX together and reviewed everything. All were in verbal agreement that this was fraud and XXXX advised she would reopen case and get back to me. 
I waited 6 months and never heard a word back. So I contacted Renasant via email on XX/XX/XXXX with no response. I then went into the Renasant bank manager - who said she would look into it. I went to the bank manager again in XXXX and XX/XX/XXXX- each time with promise to look into it with no response. I emailed their fraud dept again on XX/XX/XXXX and received a response this case was closed a year ago - XX/XX/XXXX. 
Thankfully, it is only {$220.00}. but still - Renasant bank should be responsible in paying this. Renasant should have been the one to find out all the facts with XXXX and gone after XXXX to go after the thief. XXXX should have billed back the thief and released my funds instead of believing the thief and his lies. 
Are you able to assist? I should not be responsible for this and should be able to get my money back. Please let me know if you need anything further. XXXX XXXX