23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ref : CFPB Complaint # XXXX I believe that Wells Fargo Home Mortgage engaged a dishonest and unscrupulous marketing tactic meant to drive business in which I am a victim of their offer of an exceedingly low mortgage rate meant to attract customers know full well that the teaser rate ( the " bait '' ) was not available. XXXX the loan process was well underway and WFHM knew that after my considerable investment of time and finances with the imminent danger of surrendering a large sum of money if I backed out of the deal, WFHM proceeded to offer the higher rate ( the " switch '' ), thus earning greater commission. I believe WFHM delayed submitting my application for {$10000.00}. down payment assisitance from XXXX, which was consequently denied because the amount of the loan would be significantly lowered, thus WFHM would earn a lesser commission. When I consider the fact that Wells Fargo Bank has a history with the XXXX involving racial discrimination, my experience navigating through unreasonable obstacles that seemingly were meant to deny the loan, after consulting with White customers who have done business WFHM, and being included as a " Class Member '' of XXXX separate court actions against Wells Fargo Bank which were, to the best of my understanding ; each brought forward by XXXX complaintant, I think there is reason to believe that I have been a victim of racial discrimination by Wells Fargo Bank. I believe the figures contained in the Settlement Statements are deceptive and have been fixed to scam and overcharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset to the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determined my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirmed that your information posted in my file are correct? I never received any notice from these companies that my dispute is truly mine or correct? As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
XXXXXXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the *Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXXXXXX XXXX  for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX Hard inquiries of the following XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX  ( Bank ) XXXX XXXXXXXX ( Bank ) Remove Personal Names reported as they are not me. 
XXXX XXXX Remove Address of the following as they are not recongized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, UT XXXX Remove Employment information XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and unverifiable. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.
Product: Credit reporting or other personal consumer reports

I had a XXXX card account from XXXX XXXX XXXX which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, TransUnion, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Student loan

Since XX/XX/XXXX I have contacted this company over XXXX times now to date. Left countless voicemails and called the bogus phone numbers they have provided with fake extensions. To get my transcripts released
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear CFPB and TransUnion, I am writing to formally report fraudulent activity related to my credit report due to the theft of my personal information. Since this identity theft occurred, there have been multiple unauthorized attempts to apply for credit cards in my name, resulting in XXXX fraudulent inquiries listed on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am not responsible for these fraudulent inquiries, and I am requesting that TransUnion take immediate action to remove them. The law mandates that you investigate and remove any inquiries that can not be verified as legitimate. 

Below are the fraudulent inquiries that must be removed from my credit report : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX According to the FCRA, you are required to complete your investigation and respond to my dispute within 30 days. I expect confirmation of the removal of these inquiries within this timeframe. 

Thank you for your prompt attention to this serious matter. Please feel free to contact me at the phone number or email address provided above if you require any additional information. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not mine and I got my credit report and i seen all this unauthorized stuff on my report, address i never lived at cards I never got to use
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Debt collection

In XXXX, I took out a consumer payday loan with Check N ' Go. I was making regular payments until I was out of work for an extended period of time, I relocated to make a better life for myself and during that time I lost both of my parents along with being without income. 

I was threatened by a third party that XXXX and Check N Go used who refused to provide me with any information, I was making payments to avoid court, etc., I have been through multiple job losses since XXXX of XXXX and I have been unemployed for XXXX coming up in XXXX. 

I am currently homeless without a vehicle, no job, and no support as my family disowned me for being a member of the XXXX XXXX. 

I have no peers around me as they used me for their enjoyment and my expense. I suffer greatly from XXXX  XXXX  issues that involve me taking 5 medications that I can barely afford to pay for along with everyday essentials. 

I received a call from XXXX XXXX  XXXX ( who also called an estranged relative that I do not get along with and threw me out for being XXXX ) on behalf of the State of Florida today regarding subpoena service, I explained to the paralegal who is a XXXX  ILLITERATE UNEDUCATED PERSON WHO NEEDS TO GO BACK TO SCHOOL TO LEARN PROPER ENGLISH, ETC THAT I DO NOT HAVE THE MONEY TO PAY NOR WILL I HAVE THE MONEY ANYTIME SOON EVEN WITH A JOB I AM NOT IN A FINANCIAL POSITION TO PAY AS I AM IN A MOUNTAIN OF DEBT WITH NO CAR, NO JOB NOR A PLACE TO LIVE. XXXX AND CHECK N GO AS WELL AS ANY PARTIES INVOLVED HAVE SERIOUSLY VIOLATED MULTIPLE FDCPA LAWS. THEY ARE ALSO NOT AWARE THAT THEY PAST THE STATUE OF LIMITATION IN BOTH STATES OF FLORIDA AND DELAWARE TO SERVE ME ANY DOCUMENTATION, ETC.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased a cashier 's check from my Bank XXXX Bank of America XXXX in the amount of {$400.00} and paid {$15.00} for the check. This check was made out to the Oregon XXXX with the note " Plate Transfer and Registration renewal. '' I sent this check, the registration documents along with a letter to my car loan lienholder ( also Bank of America XXXX with instructions to send all of this along with the title in their possession to the Oregon XXXX to process the registration. They complied except they did not send the cashier 's check. Instead they took the check and cashed it against my vehicle loan. I was not defaulted on my loan and in fact was ahead on payments. For the next XXXX months a Bank of America representative called me weekly asking about the progress of my registration. Both the XXXX and I were at a loss about where the check had gone until we uncovered the above. I can't describe what the bank did -- -cashing a check made out to the XXXX  for themselves -- as anything other than check fraud. They also had me pay {$15.00} for this check on top of it, and delayed the registration of my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX  XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I HAD SUSPICIOUS ACTIVITY ON MY CREDIT ACCOUNT IT CAUSED MY CLOSED MY ACCOUNT. WHEN I WAS WAS CLOSING MY ACCOUNT I ASKED THAT PERSON TO TRANSFER MY POINTS MONEY {$1900.00} TO MY BANK ACCOUNT. AFTER TWO MONTHS WHEN I REALISED THAT I DID NOT RECEIVE MONEY I CALLED AND SPOKE TO THE SUPERVISOR AND AFTER A WEEK I RECEIVED A LETTER THAT MY REQUEST WAS DENIED, THEN I CALLED AGAIN AFTER THEY DENIED MY REQUEST. LAST TIME WHEN I SPOKE TO A SUPERVISOR AND THEY SAID MY REQUEST IS GETTING DENIED BECAUSE THERE IS NO ERROR BY THE BANK. I REQUESTED THE MY OWN RECORDING THEY SAID I HAVE TO GO THROW COURT. I FEEL LIKE IT'S NOT FAIR FOR SOMEONE ELSE 'S MISTAKE AND CAUSED ME TO LOSE A BIG AMOUNT OF MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to move inaccurate information
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD 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 FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit card or prepaid card

This nightmare all started in XXXX of XXXX. I called to request XXXX XXXX to close my account after paying it to zero ; however, it took until XX/XX/XXXX after many phone calls and letters for them to do so. I also called Comenity Bank to inform them that I had closed my XXXX account at the same time. A membership fee of {$21.00} had been added to my XXXX account after XXXX was told to cancel the account and it took them until XXXX XXXX, XXXX to credit my account back ( I have confirmation of all of this in writing from XXXX ). The complaint is that Comenity Bank continued to keep the credit card open adding late fees to a balance that went from {$21.00}, the amount that XXXX finally reversed, every month, even after I called and mailed them a letter to again CLOSE the account and reverse any undue fees. I received a letter from Comenity Bank yesterday, dated XX/XX/XXXX, stating that they credited my old card {$21.00}, which is what XXXX had reversed. Once I sent my dispute letter in writing I received a letter from Comenity telling me that my dispute ( this letter is dated XX/XX/XXXX ) was being researched and would take 90 days to complete! I kept getting letters from them saying they were working on it ; however, all they were working on was adding more fees to the {$21.00} membership fee that XXXX has added in error. Now I get harrassing calls from Comenity Bank Card to pay the balance! The right thing for Comenity to do is reverse the fees but they said they can't now that they have closed the card. What a scam! Please help me resolve this matter. 
Thanks so much! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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 consumerXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. 
IQ data international via XXXX was disputed for ownership and was not properly investigated by XXXX, Equifax and XXXX