23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have disputed XXXX transactions from my primary checking account to an unknown destination. I have had identity theft prior, yet the bank states that these are all valid transactions stating the reason being transfers have been made prior with no disputes. I can't dispute it if they don't allow me to dispute it. The total transactions span from XX/XX/2023 to XX/XX/2023 totaling {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reported {$200.00} on the XXXX and was completely paid on the XXXX of XXXX. On the XXXX the balance was disputed but still was reported as having a {$200.00} balance when in fact the account was paid in full. I contacted XXXX XXXX and was told to give them 72 hrs on XX/XX/XXXX which I gave them until XX/XX/XXXX to correct the balance being supplied to the credit reporting agencies. It was not updated as of today. I contacted XXXX XXXX and spoke with a Senior Manager named XXXX and a representative named XXXX that stated they can only report the account as {$200.00} until after XX/XX/XXXX th which is clearly inaccurate and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX, progressive leasing XXXX, XXXX, due to no knowledge of accounts. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and car. Experian violates rights as a consumer, as well as fedral laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above.
Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve.
Why are they allowed to do this I made another attempt on my life.
Respectfully XXXX XXXX
Product: Credit card or prepaid card

It started on XX/XX/XXXX, Thursday at XXXX pm. Someone had begun taking money from my card and I was watching it happen while I had my card in hand. I immediately called the chime customer service number ( Chime is the bank that the card was from ) and after a bit they cancelled the card and stopped transactions. The transactions that were being taken were pending but the money was still being taken off of my credit builder card. Chime customer service said I had to wait for the charges on my card to go through for them to be able to dispute the claims. Today XX/XX/XXXX, Sunday I woke up and checked my account at around XXXX to see that the charges were no longer pending but had actually went through. I called customer service again and they finally filed a dispute against the charges, but said in order for them to rule the case in my favor they needed more information, such as if I was at work at the time and proof. But I was at home with the card in hand and calling them at around the time it had all started. Chime has now told me that it can take up to 90 days for me to get my own money back. The charges that were made to my chime credit builder card are as follows XXXX. XXXX XXXX at XXXX for {$66.00}, XXXX. XXXX at XXXX for {$4.00}, XXXXXXXX XXXX XXXX at XXXX for {$30.00}, XXXX XXXX XXXX  at XXXX for {$270.00}, XXXX. XXXX XXXX  at XXXX for {$90.00}, XXXX. XXXX XXXX XXXXt XXXX for {$80.00}. Every transaction on this list was taken on Thursday, XX/XX/XXXX. I just need help getting the money that was mine to begin with back as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three -- XXXX, XXXX, XXXX -- were reporting Wells Fargo information that Wells Fargo was fraudulently reporting to them. 

I made payments on one student loan account at Wells Fargo. In XX/XX/2019 I asked Wells Fargo to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my EFS account but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. 

One dirty little secret is that WF sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. 

I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. 

Suddenly in XXXX _two_ delinquent accounts showed up on my credit reports, both from WF. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then __60-days-late__ in XXXX. 

I immediately called WF, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 

1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD.

2. Wells Fargo buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with WF. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. 

I talked to Wells Fargo MANY times to attempt to resolve but they refused to remove the fraudulently reported information. 

I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. 

I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. 

XXXX removed the information. And it has stayed off. 
XXXX removed the information. And it has stayed off. 

XXXX  REFUSES TO REMOVE THE INFORMATION. 

It is ALSO an impossibility in this universe that Wells Fargo allowed XXXX and XXXX to remove the fraudulent information but told XXXX to keep it. 

MORE FRAUD.
Product: Checking or savings account

I am currently a citizen bank customer and I have an account that will cover debit card transactions, if the funds are not there, and you are allowed 24 hours to bring the account back positive before any fees are assessed. This is NOT how my account has been maintained. on XX/XX/10 I had a balance of XXXX ( give or take a few dollars ) and a transactions of XXXX came through. I had smaller transactions as well, XXXX and XXXX, all of which should have been covered. Instead, what Citizens the scammers did, they covered a partial amount of the XXXX and charged me overdraft fees for all 4 transactions. I contacted them, twice and even visited a branch as to why I was charged 4 overdraft fees. Nobody was able to provide an answer nor a resolve. This bank is a rip-off and treats customers horrible, in addition to ripping people off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put a hard inquiry on my credit. I havent had my credit ran since I filed bankruptcy. It was put on there XX/XX/2018. I dont know nothing about this company at all
Product: Mortgage

Hi, my servicer MR. COOPER will be violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property if they proceed. 
I have mailed in a complete Request for Mortgage Assistance package with everything that MR. COOPER needs and requests to have deemed a completed package. 
Friday MR. COOPER representative advised that they have received a completed packet and it went to the underwriters on XXXX/XXXX/XXXX for review. 
Also they have not yet removed the foreclosure sale date which is scheduled for XXXX/XXXX/XXXX while the review is in process. 
MR. COOPER is saying that there is no sale date and the sale is placed on Hold but when calling and looking online it shows its still scheduled for XXXX XXXX, 2017. 

They will clearly be in violation of the California Homeowners Bill of Rights and other laws as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal letter to Equifax requesting an urgent correction to my address, which was being reported incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Despite providing proper documentation, I have yet to receive a response. Additionally, Equifax is not reporting several of my credit card accounts, which both XXXX and XXXX are reporting accurately. This incorrect reporting is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. I kindly request that Equifax address these errors immediately, as they are negatively affecting my credit and delaying important financial decisions.
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 right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reports by more then seven years.
Product: Debt collection

I am Complaining about ; Remex Inc XXXX XXXX XXXX, XXXX, NJ Report them to the " CONSUMER FINANCIAL PROTECTION BUREAU '' ( CFPB ) Fill out the form. Dont let them intimidate you. Dont be so quick to pay. You do not owe them anything. They bought these accounts for pennies from the actual creditor. If you wish to pay, then pay the creditor/s directly do NOT pay these people. Request they validate the debt. 

According to reps XXXX, XXXX, XXXX, at Remex Inc during a phone conversation that On XXXX of 2016 I was XXXX from XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX in XXXX NJ. And XXXX XXXX XXXX XXXX, MD who performed the XXXX on me 's office has billed me a bill of a service according to them was performed on the XXXX of XXXX and it went to Remex XXXX, and Remex reps claim that the hospital care insurance only covered from the XXXX of XXXX to the XXXX. 

I've sent them proof of my XXXX responsibility of that bill, and verified XXXX XXXX XXXX XXXX XXXX that the only time the XXXX performed on me, or seen me was during the period of XX/XX/XXXX and XX/XX/XXXX, which is covered % XXXX on the hospital care insurance that I've provided. Case in point, other bills were issued by the same office and they were paid in full by the insurance. 

As of the communication with Remex, they have not been able to provide me with any proof of the validation of the bill. They have not been communicative at all with me, and they claim that it's against their policy to communicate by email, or any digital means. They only allowed me to either Fax them the proof or Physically mail it to a po box . The physical address they have on their website, is a commercial address of many companies, and can't be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Jpmcb - Card Service, XX/XX/XXXX and Us Department Of Edu. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XX/XX/XXXX, Jpmcb - Card Service, XX/XX/XXXX, and Us Department Of Edu with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I recently checked my credit report I seen that there was a closed capital one account on my report opened XX/XX/ I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both capital one and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past 30 days I have put the report in with identify theft as well and now I am here reporting this I would like for this to e off my report it is damaging me to be able to do things with my life with how it impacted my score
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency does not provide direct reporting of their Vantagescore credit reports. Instead they refer consumers to banks which either have difficulties getting scores, or only offer scores via paid services and products unrelated to credit reporting. 

I have no difficultly obtaining Vantagescore credit reports and scoring from XXXX and XXXX, and can obtain their credit reports and scoring directly through their online portal.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$750.00} XXXX XXXX XXXX  Account balance {$300.00} XXXX XXXXXXXX XXXX Account balance {$500.00} US DEPT. OF EDUCATION Account balance {$1100.00} US DEPT. OF EDUCATION Account balance {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Product: Debt collection

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Product: Bank account or service

I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.
Product: Debt collection

XXXX XXXX XXXX called me in XX/XX/XXXX telling me i owed XXXX to check n go from XXXX, then they called on XX/XX/XXXX saying i owed XXXX to check n go so they gave me a payment plan for XXXX per month till XX/XX/XXXX, so i called them back to get a copy of my contract. and a validation letter from them, they said i signed the contract but they would not give me a copy or send me a validation letter so he was telling me are you drunk have you been drinking, i dont drink beer. and said you get what you deserve he said he was going to sue me, i told him i have a lawer. he hug up on me, so i tried to call him back and the call kept dropping he would never answer i called like XXXX times so i went to the bank and canceled my debt card. thank you.
Product: Credit reporting or other personal consumer reports

This account was paid off XXXX 2024. Since then Equifax, XXXX  and XXXX has updated the account as charged off for the month of XXXX 2024.

They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the outcome of my multiple attempt to follow up on the removal of fraudulent items from my credit file. Despite multiple efforts to address this issue, the response from your company continues to be unsatisfactory, leaving me concerned about the integrity of your procedures and the impact on my financial well-being. 

Despite providing extensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, my previous attempts to rectify this issue have been met with inadequate responses and delays. The lack of accountability and transparency in handling this matter has left me feeling frustrated and powerless. 
I have faced undue financial hardship and distress due to the impact of these items on my creditworthiness, hindering my ability to access credit and obtain favorable terms. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.