23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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
Product: Checking or savings account

On XXXX XXXX 2020, I went to XXXX to receive a {$200.00} dollar XXXX XXXX from my Aunt, I then wanted to deposit the {$200.00} into my Chime account. The cashier should have only deposited {$200.00} into my account. Instead she first charged me {$200.00} for no reason, then she proceeded to deposit the {$200.00}. There should only be one transaction on my account from XXXX at that time and its for a deposit of {$200.00} ONLY! I have filed complaints with the police department, XXXX and my bank. I have not received reimbursement from XXXX nor my bank which is why I am filing this complaint with the CFPB.
Product: Credit card

My apple account was hacked by scammers posing as XXXX XXXX with the phone # XXXX telling me I had charges on my credit card that I did not make. They had me on a XXXX  call sign in to my apple account. From there they changed my apple ID and phone number then opened a ApplePay account. I did not have any cards in the apple wallet. When I contacted Apple Support just a couple of hours after the incident when I was unable to get into my account they told me what I had to do to cancel my account and wipe my phone. However they still allowed the scammer to open a new apple pay card. Apple said I might be the scammer!

Apple Pay XXXX opened an account in my name and Apple sent me a bill for XXXX in XXXX. Apple pay opened a fraud investigation and told me I am not responsible..

Someone contacted XXXXXXXX XXXX XXXX XXXX posing as me and told them I lost my card which I did not. XXXX I learned my XXXXXXXX XXXX XXXX had been canceled and a new one issued and mailed to the address XXXX XXXX XXXX XXXX XXXX, Fl XXXX. No charges had been made so they cancelled the card.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, several fraudulent transactions were made against my Wells Fargo account, totaling in a loss of approximately {$7500.00}. 

Saving Account XXXX : on XX/XX/XXXX, {$7000.00} was transferred from this account to my everyday checking account Savings Account XXXX : the following fraudulent withdrawals were made : Transfer from everyday checking {$620.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$140.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$240.00} Transfer to everyday checking {$620.00} Transfer to everyday checking {$0.00} Transfer to everyday checking {$20.00} Everyday Checking account : Transfer to Savings account XXXX - {$620.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NC - {$1000.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} ATM Withdrawal ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$620.00} Following these transactions, a representative from XXXX called on XX/XX/XXXX to report fraudulent activity. I confirmed that these charges were not authorized and requested they be disputed. They did not close the card as requested. 

My claim has been denied in several instances, as they can not confirm whether I authorized these transactions because they involved entry of a pin number. However, a representative confirmed that they at least had video footage of the person responsible for the ATM transactions and requested I submit a photo of myself, to which they claim they have not yet received, even though I submitted these to a local branch that was responsible for faxing them over to the appropriate parties. Wells Fargo granted me a limited credit of {$620.00} out of the {$7500.00} stolen. Following several decisions denying my claim, they communicated their intent to reverse these temporary funds on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received collection notices for two accounts that previously dropped off my credit report ; the original debts stemmed from XXXX. The accounts were not showing on my credit report, but they came back in XXXX. 

I understood if I paid the full amount of the debt owed, the collection agency would remove these items from the credit bureaus. 

I wanted to be done with these negative marks on my credit report. Hence, I paid the two collection balances in full to National Credit Adjusters Collection Agency, who put the collections back on my report. However, these debts remain on my credit report showing paid, but I understood by paying the debts in full and not negotiating a lower payment, the debts would no longer show at all on my credit report at all.
Product: Debt collection

LVNV FUNDING LLC has committed multiple US Code violations against I, the consumer. LVNV FUNDING LLC has also committed identity fraud by opening an account in the consumers name without prior validation and verification of debt pursuant to 15 USC 1692g. LVNV FUNDING LLC is in violation of 15 USC 1692e stating false and misleading information. LVNV FUNDING LLC is actively reporting to the credit reporting agencies and allege debt account that has not been validated per 15 USC 1692g. LVNV FUNDING LLC failed to be clear and conspicuous with their method of debt collection.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I recently received a response to a dispute regarding an erroneous item on my credit report involving a transaction that was verified regarding the disputed item, and thus, electing to leave it on my report That is the way it appears on my credit reports :. {$290.00} Closed Overview You're currently using 295 % of your account 's limit. 
Balance {$290.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Amount past due {$290.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX, and we'll let you know when it's complete.

CHECK DISPUTE STATUS Creditor Information BLOOMINGDALES DEPARTMENT XXXX XXXX  XXXX XXXX, OH XXXX This is what appears on my debit card statement : XX/XX/XXXX Purchase authorized on XX/XX/XXXX Bloomys XXXX XXXX XXXX FL XXXX Card XXXX {$200.00} I am absolutely certain that the item I disputed is incorrect and should be removed. 

All previous letters and documents that I sent to you are once again attached along with this correspondence in order to help you process this request. You will also note in the attached items the fulfillment of payment for said dispute. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error.. 

I expect to receive a response, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX SS : XXXX
Product: Debt collection

Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to Midland Funding for {$9000.00}. Upon closer examination of the account, it said Midland was collecting a XXXX XXXX Credit Card balance for the aforementioned amount. I have never had a XXXX XXXX Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a XXXX XXXX Credit Card. Today I attempt to call Midland Funding directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a XXXX XXXX, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.
Product: Mortgage

In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Every morning of Saturday and Sunday i have received a message from Sunrise, a dept collector said " A message from Sunrise, a debt collector. Self service online at https : XXXX Phone XXXX. Reply HELP for info or STOP to end '' There was the link in the message but I never clicked because this may be a scam. I never owed money from any financial institution or utility bills. 
I've tried texting STOP once but didn't go through then I choose not to respond.
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. 
Acceptance now- XXXXXXXX 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 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 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, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/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 XXXXXXXX
Product: Credit card or prepaid card

Wells Fargo has refused to accept a payment for my Wells Fargo credit cards account from me because their website indicates that i have exceeded the number of times in a month i can make a payment from a non Wells Fargo depository account. 

Neither the account terms and conditions provided when i opened the account, nor the periodic billing statement, indicates any restriction on the number of times a customer is permitted to make an electronic payment from a non Wells Fargo depository account. 

I find this practice to be deceptive and seems to be a means to compel customers to open Wells Fargo depository accounts. 

I have attached a screen shot of the message that appeared in Wells Fargo online banking that prohibited me from making a payment and a copy of a recent account statement that does not disclose any restrictions on making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

Synchrony Bank lowered my credit limit to {$500.00} from {$700.00} on XX/XX/XXXX as the letter stated. At that time and even now, I have never been late with paying on that credit card. After I called to resolve the issue, the agent would not even tell me why my limit was lowered and I had to search my email for the reason. The agent also told me there was nothing that could be done to get my previous credit limit back accept run my credit again to see if it would be approved. The agent ran my credit again and I was denied to get my original credit limit back or anything higher
Product: Debt collection

Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$76.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX reporting an account ( XXXX XXXX  ) that belongs to my ex-wife on my credit report. Documentation showing the decree from court that my ex-spouse is the owner of the account was also submitted to all 3 credit bureau yet this account is still left on my credit file. Also, credit enquiries i had no knowledge of disputed all to no avail that were not verified left on my credit report. I contacted the furnishers and was told that they had no record of such and all effort to get this taken of my credit report by Transunion, XXXX and XXXX credit bureau was to no avail. This is really taking a toll on my report and needs to be taken off as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police report which I filed on my local police department to testifty that I'm a victim of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX