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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on all my credit report that was not authorized my me.  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , I 've send letters and made numerous phone calls to have this inquires removed.
Product: Credit reporting or other personal consumer reports

I submitted documents to Experian stating that my accounts were compromised and used by someone pretending to be me and asked for the compromised accounts to be blocked I sent in a handwriting letter describing the facts police report and FTC reports staying which accounts were compromised and asked for the accounts to be blocked. Experian emailed me a a list of frivolous potential reasons why the accounts weren't blocked when in fact the list of reasons were totally bogus. Experian instead disputed the accounts as identity theft and now I have tons of useless mail stating that the accounts were opened by me because my address phone social was used at the time and in my FTC reports police report and handwritten letter definitely all state that my accounts were compromised I never said anything about most of my accounts being open fraudulently the ones that were though I stated in my FTC reports. XXXX XXXX  is in clear violation of consumer rights by not blocking the requested compromised accounts that I asked to be blocked. Iam a victim of identity theft and Experian is not following protocol when it comes to compromised accounts. It took me a while together all my documents and send to Experian XXXX and XXXX and all three credit bureaus denied my documents and disputed my compromised accounts the way they wanted to.
Product: Debt collection

I had outstanding tolls, sent to the wrong address for a year straight. I finally recied the notices and tolls were sent to XXXX collections. I have tried to pay the tolls online and it is almost impossible. I have tried to contact XXXX and you can not get them to answer the phone. I can not have this added to my credit report and they do not have an email to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting missed and or late payments This is inaccurate reporting and needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Checking or savings account

I have been banking with Wells Fargo for many years now. at times I have notice that some of the items that I have paid have been healed for a week till the money in the account is at a minimum. Then it's sent out as a payment to where the account dose not have enough funds to pay out and I'm hit with a fee. I have called them several times and asked why does it take so long for the money to be sent to the merchant? their reply was sometimes it takes time for us to receive the payment that was put in. I went on and did a test to see if what they were saying was true. not at all. I have bought some items from the same merchant where the payment comes out immediately to where it takes one to two weeks to come out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX # XXXX Please Delete from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Progressive over the telephone regarding a collection that credit collections is reporting. Progressive and credit collections do not respond to the letter I have sent them.

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to Progressive *
Product: Credit reporting or other personal consumer reports

Delete closed account from my report XXXX XXXX XXXX XXXX XXXX Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Paid, Closed. 
XX/XX/XXXX XX/XX/XXXX {$30000.00} XXXX XXXX Individual
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a CPFB complaint # XXXX was filed regarding a credit report dated on XX/XX/XXXX Confirmation # XXXX, from Equifax with a Bankruptcy Court item still listed on my credit report.

A consumer reporting agency shall provide a consumer with a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Equifax indicated that the public record was obtained by a third-party vendor XXXX. XXXX sent me a letter stating that the Bankruptcy item was removed on XX/XX/XXXX Case # XXXX, so the reinvestigation was invalid. In addition, The Bankruptcy Courts sent me a letter, which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 

This credit bureau falsely reported to the CFPB on XX/XX/XXXX : " Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE '' and did not provide me with an updated credit report. ( see attached ) Today on XX/XX/XXXX I had to pay for another credit report and this public item is still in fact reporting on my credit report. ( see attached ) According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX  and I was told my now ex-husband was selling my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting Bank of America since XX/XX/2016. 

I would like to dispute these two accounts reported to XXXX. I was in college maintaining my own account and then added my little brother to it so he can manage his money better and closed my personal one months before the incident occurred because I no longer wished to bank with them due to prior issues, but I kept my brothers opened so he wouldn't be penalized. As you can see, they tried to log the accounts as two separate incidents on different dates, which is false because my account was already closed. There should be only one incident logged as fraud which is also inaccurate, as no one truly investigated and just chose to accuse my brother. I am not trying to protect him at all and have no qualm with providing his information instead, however, I was never given the option to and why should I suffer for someone else 's mistakes? It's clear I had no activity within his personal account. 

While I was in college, I received a letter in the mail indicating there was fraud on the account. I hurried and called BOA to get additional details and was told that someone tried to cash a {$1400.00} check to the account. I had no awareness or any supporting documents as it was sent to my permanent home address not campus. I called home to ask and was told they had no knowledge of a check being cashed and I told BOA. 

The fraud specialist was nasty and quickly told me well your brother is young and this is what they do. I saw the copy of the check that was to be cashed and realized it was in cursive and looked like it was written by an older person, I know my brother has terrible hand-writing and can not even write in cursive nor does he know how to write a check. There was also an image of an older woman at the ATM that BOA failed to investigate and just decided to go based off of their assumptions. 

It has been over 5 years now and I have not been able to open a bank account, get loans, or do anything in my early and late 20 's because of this issue. I have tried to write letters, write to XXXX XXXX  and contact bank of america to no avail. I have no problem providing my brothers information ( and they already had it ) since that is who they wish to accuse. I understand it was under my name, but my account was closed, and I had absolutely nothing to do with this. 

I have no supporting documents as it has been years ago and nothing was ever sent to my school address. However, BOA can verify my account closure date, the picture of the check, the ATM photo, and the documents I sent to them. It makes zero sense why I am still connected to this and the ATM evidence was never looked into. That would quickly verify the identity of the person. 

I hope someone could please look into this because it has been ruining my financial life. I appreciate any assistance with this issue. I have looked online and have seen many people with similar issues with BOA. It's amazing how they are one of the co-owners of XXXX  and they have the ability to ruin people 's lives because of poor investigations and misconduct.
Product: Mortgage

In XXXX I called spoke with a rep who agreed to cancel my auto draft for the XXXX and I would make the payment 1 week following and pay the {$40.00} charge. Well even after that my account was drafted and I rcvd XXXX $ XXXX XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_RCVD back XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting XXXX/XXXX/XXXX RET ACH FEE $ XXXX_still waiting Then On XXXX/XXXX/XXXX XXXX and I arranged my payment for {$2000.00}, I was waiting for a check to clear so the payment declined But the same day the check cleared I tried to reach XXXX but havnt been able to get in touch with her. Then on XXXX/XXXX/XXXX you guys drafted my account FOR AN UNATHORIZED payment for {$1000.00} XXXX/XXXX/XXXX RET ACH FEE because XXXX/XXXX/XXXX the payment of {$2000.00} tried to redraft and caused my account again to go negative and rcv that fee. 
I have been working with XXXX XXXX and now after numerous emails and numerous voicemails left for her and to return calls I am very upset. 
*Still waiting to receive {$35.00} from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX And now the most recent fee I need back for the UNAUTHORIZED PAYMENT on XXXX/XXXX/XXXX
Product: Debt collection

I get repeated telephone calls regarding a debt that is several years old, I included all of my debts in a Bankruptcy during 2016. I have no idea why these Reps are calling me.
Product: Mortgage

I have had a mortgage with Wells Fargo since XXXX. Paid timely with no problems. I own stock in XXXX which I tried to sell and have been continuously trying to sell for the past two years without success. The agent for XXXX is Wells Fargo XXXX. After a daughter requested the forms from WFSS to sell the stock since it was purchased under the UGMA and she was turned down saying her mother was the only one who could request the forms and sell the stock. I requested the forms, received them via email, filled them out including a Medallion Certificate properly filled in by a bank. I sent the forms to WFSS via overnight mail - that was XX/XX/XXXX. Hearing nothing from WFSS for over two weeks I called. They could not find the forms and kept me on the telephone for 45 minutes as they tried to locate the forms I sent to them. They finally found something which said the forms were returned to me because they were not complete. Several days later I received the returned forms. I called WFSS to ask what was wrong - they said pages were missing. I asked for emailed forms to fill out What they sent was identical to the first forms they sent and all were filled out properly. Having been a stock broker years ago I had some knowledge of these forms. I sent them back to WFSS. Because I was selling the stock because I needed the money by refusing to sell the stock Wells Fargo put my mortgage to them in jeopardy and I have had to pay {$250.00} as a late fee for several months now. In spite of many calls and filing with other agencies nothing has happened. I filed with the SEC against Wells Fargo. They lied to the SEC saying I needed to fill out the Medallion form and had not done that. They received the Medallion form from me filled in by a bank. I filed against them with the Massachusetts Attorney Generals Office and FINRA. To both of these groups Wells Fargo lied about the reason they did not sell the stock. In the meantime, they continued to collect the $ 254/month late fee because of the bad situation they put me in. They had a mortgage person investigate this after I complained to them - they sent me a letter giving me the name of the mortgage person and telling me she was going to investigate. After months, she called to say she could not investigate because it was against bank policy for a mortgage person to investigate WFSS. I received a letter from a Wells Fargo attorney saying the same thing. Those letters and contacts contradicted the letter I received from them saying this mortgage employee was asked to investigate this by Wells Fargo. That has been the kind of thing happening with the attempted sale of this stock. I called XXXX and they said they had no say in this and no control over it because WFSS was their agent and it was in their hands. I have a complaint code XXXX gave me when I called to make the complaint. They simply called back and gave me this investigation code and then did nothing claiming their hands were tied. Hope you can help.
Product: Mortgage

This is a follow-up to my original complaint and response from Citimortgage. See Complaints # XXXX and XXXX. Your agency 's records show my case closed although it really is n't because Citimortgage either lied or is mistaken in respect to accusing me of missing my property tax payments in XX/XX/XXXX. Citimortgage in a letter dated XX/XX/XXXX stated that they were contacted by the taxing authority that I was delinquent in my property taxes. This is not correct! The clerk informed me they do not contact mortgage servicers if taxes are delinquent. I live in a town of about 4,500 people and property taxes are collected semi-annually by the Town Tax Clerk contrary to many parts of the country where tax collection is performed at the county or state level. Furthermore, they will not place a lien on my property unless all resources are exhausted. Furthermore, the town benefits from tax delinquencies to some extent as they charge approximately 15 % annually on late taxes governed by legal statute. As I have explained in a prior note to both your agency and Citimortgage, Citimortgage either unintentionally or intentionally damaged my financial health by their actions. Since my original Citimortgage financing in XX/XX/XXXX and through XX/XX/XXXX I had never made a late payment. Citimortgage either through incompetence or they did this intentionally pushed me into default by charging me escrow. Despite being late there was no rational reason because my town does n't place liens on properties especially when they know there is a logical-financial reason not to allow the property to go into default. Citimortgage, if they were actually competent and understood true mortgage underwriting risk, would concur with the town because my mortgage debt is only equal to less than 13 % loan to value on a tax assessment value basis or a market value basis. Citimortgage has significantly impaired my liquidity and caused a technical default and is now trying to cover their tracks by lying that they were contacted by the taxing authority ( my town ). Exacerbating the situation is the transfer of Citimortgage loan servicing to one of the worse companies in the industry, XXXX. XXXX is now showing incorrect accounting records.
If needed I will resort to legal means. I 'm guessing, given the track records of these companies, a judge will wonder why Citimortgage is creating problems for a borrower when there were no problems. I 'm sure XXXX XXXX would like to know what happened also and will find a way to get this information to them even if I have to contact my congressman.
Product: Credit reporting or other personal consumer reports

Contacted equifax and advised when going to library to print off my credit report that its advising me to contact them and when Im entering my information to reset my password because its telling me that I am not entering the correct password even though Im using this same log in information on my computer nothing checks out. I cant reset my password at the library equifax only advises to try again
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 or other personal consumer reports

I XXXX XXXX XXXX have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXX XXXX  {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

XXXX IS ON MY XXXX AND EQUIFAX CREDIT FILE AND THAT BILL IS ALREADY BEEN PAID AND HERES THE PROOF AND I EVEN HAVE A CURRENT BILL WITH THEM AND THEY HAVE MY STATUS WRONG, THE DATE OPENED WRONG, THE DATE OF LAST ACTIVITY IS WRONG, AND THE LAST REPORTED DATE IS SHOWING WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that appears from XXXX XXXX from XXXX that account is not mine and on XX/XX/XXXX transunion deleted that account from my record and sent me a letter that the account had been removed from my record but now it appears again in my account here I include a sample of the letter that transunion sent me saying that the account was deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax date breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XX/XX/XXXX. It was concerning an old medical bill that had been paid by insurance in the amt. of {$120.00}. I did not hear anything from them. So on XX/XX/XXXX I sent them a letter telling them that I had not heard anything and I wanted it removed from my credit report immediately. On XX/XX/XXXX they notified me that they completed the dispute and it is staying on my report. On their own web page it clearly states that if they fail to complete the dispute within the 30 day period ... ... it would be removed!