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

On Monday XXXX around XXXX, in the course of exploring loan options, I called XXXX and unfroze my credit report. I immediately received two emails from Wells Fargo. The first one indicated that I had just opened a checking account with them, and the second confirmed that I had changed my notification preferences for two different accounts to " online '' rather than paper. 

The emails were sent to " XXXX ''. My actual email address is " XXXX '', but I understand from a bit of search that XXXX regularly consider " dotted '' versions of one 's email as belonging to that same individual. So the account was opened under an email in my name, which technically doesn't exist, but routes to my similar email address. Also, one email is addressed to " XXXX '', which is my father 's name, so perhaps they are using some of his information. 

I immediately called Wells Fargo and reported the issue. They confirmed to me that there are no Wells Fargo accounts associated with my social security number. I was still concerned about why the account have been opened immediately after my credit unfreeze, and asked them to look into these individual accounts and close them or at least confirm that they were not affecting my credit score, and they were unable to provide any confirmation. I did provide them with the ending four digits of the two account numbers, which did appear in the email regarding notification preferences. 

I'm aware that in the past Wells Fargo had major issues with fraudulent accounts being opened in peoples ' names against their will, and it affecting their credit score. I think that what I'm seeing is exactly that. It should be investigated and handled immediately if there are departments creating or allowing the creation of fake bank accounts. I do not believe Wells Fargo is going to take any action based on my report, nor did they promise to, but instead need to be held accountable from the outside.
Product: Payday loan, title loan, or personal loan

Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account on my Report since  XXXX  when I noticed that this appeared on my report.   I have asked both   XXXX  ( CRA ) as well as  XXXX  ( Creditor ) to f urnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .  XXXX  does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.   I have spoken to  XXXX  several time after each dispute requesting documentation, the person who is verifying this information and the method that  XXXX  is using to verify. I was just told by a  Supervisor   XXXX   ( wou ld not furnish last name ) at the  Dispute dept. of   XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.   This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.   Why do we have laws and acts if CRA 's can circumvent these laws so easily?  <P/> I have provided the information below on my dispute history.  <P/> This is a summary of your   XXXX  Credit File activ ities within the last 365 days.   We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized  XXXX  to deliver online.  <P/><P/><P/><P/> R esults  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Viewed   XXXX    PENDING  XX/XX/XXXX   XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX   E xpired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX  -  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit aren't mine! Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage was transferred in XX/XX/XXXX from XXXX XXXX XXXX to Carrignton Mortgage Services. I  have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
Product: Credit reporting

Trans Union offered me a credit monitoring program and I religiously monitor it do to the persistent ID Theft that has plagued me for the past 3 years. In viewing my most recent report Trans Union listed a Collection account sinking my score, It is fraudulent yet they wo n't list the name of the company. They also reinserted XXXX FRAUDULENT INQUIRIES into my report and sent me a hard copy of apparently XXXX separate files. This is a clear violation of FACTA, and Federal Law. I have resent them XXXX, the XXXX Police Reports, FTC ID Theft packet, XXXX Inspector REPORT, and copy of my identity to request an update to my fraud alert phone number to remain vigilant of updating. 
The mere fact they have placed a fraudulent debt collection account on my report and reinsertion of XXXX prior deleted Inquires that I protested through many avenues, the last is going to be legal, dealing with there repeated obstructs is tiresome and I am tireI want them investigated and am attaching a copy of the most recent Trans Union report along with Police affidavit and FTC ID Theft Packet, I also today contacted the XXXX, and XXXX along with the FTC and XXXX of there dereliction of duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been having an on going issue with this collection company " ENHANCED RECOVERY ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.
Product: Money transfer, virtual currency, or money service

date : XXXX amount : XXXX XXXX XXXX I put the money into the atm machine of Bank of America XXXX which ATM ID is XXXX, but it was jammed on the machine, and then I could not pull out that jammed money, and then machine was closed, so I could not do anything, so I reported this to the bank and then they said they would investigate this and would let me know. 
But after a month, they are saying they check the XXXX and they were seeing I put some money in, but they do not know how much it is and then they can not check the money amount, so they do not want to pay back to me. 
I do not know what I should do next. Please give us some advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file XXXX stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to XXXX XXXX reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
XXXX is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by XXXX. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.
Product: Credit reporting or other personal consumer reports

Chase bank is reporting my last payment made to them was in XXXX. This is inaccurate, last payment made to them was around XXXX. This should already be off my credit report. By reporting my last payment was XXXX pushes my XXXX retention back to XXXX. This is keeping me from obtaining credit. I've had no contact of any kind with chase since XXXX.
Product: Debt collection

On XXXX XXXX, 2024 I sent a certified letter to Jefferson Capital Syst, requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature. 
2. **Evidence that they are legally authorized to collect this debt in Pennsylvania** , such as proof of their licensure in the state. 

Despite this formal request, Jefferson Capital Syst has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in Pennsylvania. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? 

PLEASE HELP! 

_____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX _____________________________________________ XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Product: Mortgage

After exempting my property via U.S Bankruptcy court in the XXXX District of ARKANSAS, with magistrate XXXX XXXX presiding over the proceedings, the De Facto lender JP MORGAN MORTGAGE ACQUISITION CORP is still committing fraud against my estate at XXXX XXXX XXXX XXXX, XXXX, arkansas XXXXzip exempt, by mail fraud with law firm XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Phone ( XXXX ) XXXX, with reference to deb collection activity for a securitized and unregistered mortgage backed security instrument via the company and parties allonging, inability to file a UCC1 secured claim against my property. Hence, the filing of UCC1 would prove mortgage fraud, the mortgage itself becoming an investment instrument and not a debt instrument. Please advise JP MORGAN MORTGAGE ACQUISITION CORP to follow GAAP POLICY FAS133, FAS140, UCC2-302 rescission of signature and unconscionable contract, UCC3-305 defense & recoupment to set off for promissory note that was tendered, refused & discharged by JP MORGAN MORTGAGE ACQUISITION CORP on closing date of XX/XX/XXXX associated with my real property located at XXXX XXXX XXXX XXXX, XXXX XXXX arkansas XXXXzip exempt, and have them to disclose their full accounting bookkeeping entries form OMB FEDERAL RESERVE FORM FR_2096 prospectus to I, the natural person and secured party to the Estate of I, the natural person and secured party of Estate to I, XXXX XXXX XXXX with the recoupment of tendered notes generated by the tendering, refusal and discharging of promissory note and also the recoupment of derivative notes generated by the mortgage backed security UCC2-302 to I, XXXX XXXX XXXX, natural heir , real party and secured claimant to estate. 
H.R.2938 - 116th Congress ( 2019-2020 ) : Honoring American Veterans in Extreme Need H.R.8354 - 116th Congress ( 2019-2020 ) : Servicemembers and Veterans Initiative Act of 2020
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 
Account : XXXX, Amount {$5600.00}, Acct # XXXX Account : XXXX XXXX, XXXX {$20000.00}, Acct # XXXX Account : XXXX, Amount {$0.00}, Acct # XXXX Account : XXXX, Amount {$18000.00}, Acct # XXXX Account : XXXX, Amount {$1000.00}, Acct # XXXX Account : XXXX, Amount {$30000.00}, Acct # XXXX Heres the list with only the account names and dates, with credit bureau names and other information removed : 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 XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I am disputing the name information reported by XXXX on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I have the right to challenge inaccuracies or outdated information. XXXX will not removed the incorrect name variations, their should only be one NAME one ADDRESS and one PHONE NUMBER this is negatively affecting my creditworthiness. If you cant get that part right I question the validity and accuracies of everything in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have contacted XXXX, XXXX and Experian several times about the inaccuracies on the Dept of EDXXXX XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Product: Mortgage

Vanderbuilt mortgage and finance is inaccurately reporting a mortgage as being paid for less than amount owed. Originally they had reported it as a foreclosure, then after contacting the CFPB they changed it to settled for less that amount owed. I refinanced my VA loan away from Vanderbilt mortgage and finance in XX/XX/2019. I paid off Vanderbilt mortgage and finance with a new conventional mortgage with XXXX XXXX XXXX. Vanderbilt is incorrectly reporting on my credit report. I paid off the principal balance of the loan plus attorneys fees when I refinanced. I am unable to qualify for a mortgage loan now because of the inaccurate reporting from Vanderbilt. My home was not foreclosed on. Vanderbilt mortgage and finance provided a payoff quote to my new mortgage company that they paid directly to them. XXXX XXXX XXXX has had to be contacted twice to get Vanderbilt to abide by the agreement made with us, to accept payment in full and discharge the lien on my home.
Product: Debt collection

Resurgent capital services is attempting to collect debt not owed to this company. I have contacts this company numerous times via phone, letter. This company refuses to remove debt from credit reports.
Product: Checking or savings account

Last month Citi bank closed my account with no explanation whyThey are trying to make me wait 30-60 days to receive my funds when it didnt take me 30-60 days to put the money into the accountI am a single parent of two and also a XXXX XXXX  who is not working right nowI have a tuition to pay and also a ton of billsI have tried to be patient with this bank even asking if I can go into the bank to withdraw the remaining balance they keep telling me no the account is blocked when it shouldnt be blockedI asked if the check has been sent out yet and they give me the run around saying they cant tell me that and so forthI need my money from this bank asap it didnt take 30-60 days for me to put the money in the bank my life is falling apart Im falling behind on my bills I need my money today