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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a balance of {$190.00}, XXXX with a balance of {$15000.00}, XXXX XXXX  with a balance of {$5700.00}, XXXX with a balance of {$6100.00}, XXXX XXXX with a balance of {$340.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX with a balance of {$1100.00}, XXXX with a balance of {$1300.00}, XXXX  XXXX with a balance of {$510.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$1000.00}. In addition to inquiries from XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXXXXXX XXXX XXXX  with an inquiry date of XX/XX/XXXXXXXX XXXX  with an inquiry date of XX/XX/XXXX, and XXXX XXXX with an inquiry date XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Even though the XXXX address is not registered in my account, this address popped up when I wanted to send XXXX in my XXXX wallet to my Binance wallet. I didn't realize this was not my address when I sent the coin on XXXX XXXX PM XXXX. 

When I check the TxID from : XXXX : XXXX I see that the coin is to XXXX address ( XXXX XXXX XXXX XXXX ). I can't reach my money now either from my XXXX wallet or Binance account. 

I opened a ticket to Binance Team, and they directed me to use binance.org instead because I sent the coin from my XXXX wallet. I opened XXXX separate tickets, but no one has replied. There isn't any online support for XXXX as well. 

I am looking forward to having a solution asap.
Product: Credit card

XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer.
Product: Checking or savings account

Summary of the Incident : On XX/XX/XXXX, I initiated a transfer of my salary, totaling {$1200.00}, from my Wisely account to my XXXX account. Shortly after the transaction, I feared I may have entered an incorrect account number. I immediately contacted Wisely 's customer service, requesting a dispute or to cancel the transaction. I also asked for the transaction details to verify the account number I had entered. However, Wisely 's representatives informed me that they could not provide this information due to currency regulations. 

I was then advised to wait 2-3 business days to see if the funds would be rejected by XXXX and returned to Wisely automatically. Despite my follow-ups, this matter remained unresolved for weeks, and I was eventually told to wait until XX/XX/XXXX for further updates. Wisely instructed me to contact XXXX directly to trace the transaction. 

Issues with Wisely 's Handling of the Situation : Failure to Provide Key Information : Wisely refused to provide me with the transaction details necessary to verify whether I had entered the correct account number, leaving me in the dark about the status of my funds. 

Incorrect Advice and Prolonged Resolution : Despite my continuous follow-ups, Wisely kept advising me to wait without providing a clear solution. When I contacted XXXX, they informed me that the TRACE number provided by Wisely was from an external bank, and they could not trace the funds. 

Lack of Responsibility and Documentation : When I requested Wisely to take action directly with XXXX, their representatives indicated that it was my responsibility to resolve the issue. Furthermore, they refused my request for written documentation or email confirmation of the status of my case. 


As of now, the {$1200.00} remains unaccounted for, causing significant financial hardship. I believe that Wisely has failed in its duty to provide adequate customer support, transparency, and accountability in handling my funds. Their refusal to offer any documentation or escalate the issue properly has made it impossible for me to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, A false, fraudulent and/or incorrect account appears on my credit report. 
This referred account is a Bank of America account number XXXX. 
I have called Bank of America numerous times to attempt to resolve the issue and have disputed the referred account to XXXX credit agency. 
These attempts have been unsuccessful and XXXX   has notified me that I need to speak with a bank representative which, after numerous attempts, has also been unsuccessful. 
Please eliminate this account and notify XXXX, as it has significantly tarnished my credit score and purchasing ability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XX/XX/XXXX response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Mortgage

In XXXX, XXXX I contacted Wells Fargo because it appeared that they were not applying my payments correctly, bi-weekly as they were paid. They explained, they were not obligated to do it that way, but in the future they would draw down the payment amount from my bank account themselves and credit anything over the amount owed to the principal on the house. At this point, I forgot to stop my automatic payments I had initiated fro my account, so Wells Fargo was receiving over twice the amount I owed them each month. Instead of applying it towards the principal, they used it as a pre-pay towards my future months dept. I contacted them today to explain the error and they stated they could only rework three months of their error. This seems as if its against the intent of the prompt payment crediting regulations. They had my instruction ( which is recorded ) to apply any extra funds to my principal. I would appreciate if you could help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on XXXX and Experian in XX/XX/2023 but paid on time with XXXX. Same thing with XXXX showing 30 days late in XX/XX/2023 but paid on time with XXXX and XXXX have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my personal information was exposed in the data breach of the Washington XXXX XXXX XXXX, I contacted each of the XXXX credit bureaus to place a freeze on my credit, as was recommended. However, Experian has refused to place a freeze on my credit, instead demanding that I send them a giant pile of documents and photocopies in first class mail to Texas, and then wait XXXX weeks to see if they felt like complying. 

I have the legal right to freeze my credit, and they do not have the right to refuse that request. They are obligated to place a freeze as requested in a timely manner, and I dont have weeks to wait, as the fraudsters who stolen my information are not going to sit around waiting a few weeks before trying to steal my identity. 

I have tried repeatedly to contact them, but there is no way to reach them. I can only access a recording recapping the instructions to gather, photocopy, and mail to them all of my personal information and identification, a piece of mail confirming my name and current address, etc., and to check back in XXXX days.
Product: Debt collection

Capital One Bank XXXX XXXX XXXX XXXX XXXX. 



On XX/XX/year> I received a court summons saying that XXXX XXXX purchased a debt that does not belong to me and I was not aware of, stating that they are taking me to court and I have 20 days to respond to the summons or a judgement will be put on me for the debt owed that I did not incur. I have never applied for a capital one account, and have never received any correspondence in the mail saying I owe a debt or that it was sold. I am a victim of identity theft and this account does not belong me. Contacting XXXX XXXX they were no help at all, so I am reaching out to the CFPB to help resolve this issue immediately. 

Capital One Cabela 's Club Acct # ending in XXXX. Balance Claiming to be owed XXXX
Product: Credit card or prepaid card

Account opened in my name without my permission. 
Perpetrator used my correct name, address, DOB and SS number. 

XX/XX/23 account at BELK/SYNCHRONY attempted to be opened XX/XX/23 account at XXXX XXXX  was closed by me after I found about it
Product: Credit card or prepaid card

Citibank bank says that my home depot card has not been getting payments when my bank says I have, they also say that I have to pay more because the promotional offer which I was Never told about ended. When I try to speak with them they call me a liar. 
They have now charged me an extra XXXX for this promotional offer ending. This bank is taking money from people unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are incorrect information and should be removed for false information on my credit report. None are valid addresses other then XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. 

Addresses should be removed from credit report : XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX  XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1900.00} XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$63.00} INQUIRIES 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 dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter to XXXX XXXX on XX/XX/year>. They did not provide me the validation requested on or before the 30 day. They provided me with garbage mail just to say they sent me something. I filed the dispute and the credit bureau Did no investigation. They removed it and restored it on my credit report within 24 hours.
Product: Credit reporting or other personal consumer reports

Im writing to inform you about an ongoing issue Ive been dealing with involving identity theft. It appears that a company or possibly a lawyer has been filing incorrect public records in my name, including false legal filings like bankruptcies. These records do not belong to me, and I believe theyve been intentionally submitted by an external party. This situation has caused significant damage to my financial standing and credit report. Im currently working to dispute these fraudulent filings, but I wanted to make you aware of the situation as I continue to resolve it.
Product: Credit reporting or other personal consumer reports

Equifax deliberately keeps my inaccurate information on my profile. They will NOT make changes as requested. Even when other companies report, they will not update their system. This has caused me to lose rental possibilities and credit building opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Experian disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Experian received my letter on XX/XX/XXXX.

On XX/XX/XXXX I reviewed my Experian credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, XXXX XXXX of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to Experian again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

Experian received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that Experian has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.
Product: Student loan

Called on XXXX/XXXX/16 for a payoff amount on XXXX loans serviced by XXXX and was quoted an amount which I paid that day. Payment was posted XXXX/XXXX/16. Called back to verify that loans were closed and was informed that XXXX loans were still open. The loans that were open were the loans with the highest interest rate. Billing statements had a preprinted notice that any additional amount paid would go to the highest interest accounts first. Called back to ask about why loans were still open and was told that XXXX loans were over paid. Had I NOT called and asked, I would have had XXXX opens that were open with the highest interest. I should not have had to call and make this correction because of your poor systems.
Product: Student loan

I have XXXX loans through Mohela. All XXXX loans were approved for the SAVE program prior to the court battle. All XXXX loans were documented in the SAVE program. 

After their transfer to a new system, my " Update '' e-mails regularly only include XXXX or XXXX of the loans, not the full XXXX, and never the same XXXX or XXXX loans. Additionally, XXXX of the XXXX appear to be back to accruing interest, and on XX/XX/year> I received an e-mail notification that my loans are accruing interest during deferment. 

The previous communication to me, directly quoted from Mohela, on XX/XX/year> is the following : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 
You will receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) covered by the forbearance, assuming all other requirements are met. ''
Product: Student loan

Nelnet Inc. is violating the following : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records.

15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Nelnet XXXX ( is a certificate of indebtedness a 1099-C was filed with IRS ) which means that this is now income and income CAN NOT be reported to the credit agencies. 

It is illegal to report transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX