23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a victim of fraudulent transactions through my Wells Fargo online accounts and their " XXXX '' feature. 
Wells Fargo automatically assigns the " XXXX '' fund transfer feature to all of their customer 's online banking accounts. 
Because of this feature, someone hacked into my online account and was able to send themselves money, out of my account, by just using their phone number and email address. 
I DO NOT WANT the XXXX feature assigned to my online accounts. I have asked them to remove it, and they can't because they say it is an " automatic '' feature for the customer. 
Wells Fargo is putting their customers at risk by automatically assigning this XXXX feature to all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 30 days.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won XXXX of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} - XXXX
Product: Credit card

I wanted to sign up with Citi credit card online so I could keep good track of my credit card activity with them. They wont allow me to sign up unless I agree to receive robo calls from them. I declined.
Product: Student loan

National Collegiate and trust has been on my Credit report for years now, and I have disputed them several times. They sent me and my mom letters in the mail stating we must pay right away. We sent letters for each one asking to prove this debt, and show us promissary notes. They have not shown/ mailed/ emailed/ called about this. They are still reporting on my credit. Now it 's saying the company is XXXX XXXX XXXX. It says the open date is on XXXX 2010 I do not remember ever taking this loan out.
Product: Credit reporting or other personal consumer reports

To the CFPB, I XXXX XXXX is filing a complaint against the credit agencies for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. INACCURATE CREDIT REPORTS directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX  XXXX XXXX  are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX are : The open dates are different I tried reaching out to XXXX XXXX XXXX XXXX & Experian to clarify these issues but the representatives just kept saying they can only see their reports of my credit with them. These credit agencies SUPPOSE to have the same reports through & through no differences since they are collecting the information from the same exact source which is the companies that are providing the information, if the wavers at any moment how is the information ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of the effected by the equifax data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Product: Mortgage

After grossly mishandling my mortgage account, # XXXX, Seterus Mortgage Company has not informed credit agencies that my loan was paid in full and account closed. 
My property at XXXX SC was sold months ago. 
However this former debt has not been erased from my credit report, which shows balance unpaid. -- XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry on XX/XX/year> from XXXX XXXX. I'm requesting Transunion remove this immediately.
Product: Credit card or prepaid card

I was informed that my account with Lowe 's was closed on XXXX XXXX, 2017 due to a drop in my credit score from  XXXX and outstanding debt along with recent delinquency that does not exist. I informed them that I had increased balances in paying off my daughters college tuition and sold my home to payoff the debt. I have been a good customer with them for 6 years with no problems and this was an arbitrary action. I read several consumer reviews on Lowes and the same  complaint as mine is a common characteristic complaint of Synchrony Bank. They waited until I paid off the account to close it with no warning.
Product: Checking or savings account

Good morning my name is XXXX XXXX and my bank account is at Wells Fargo, The fraud case number is XXXX I am writing because, on XXXX XX/XX/2024, I was the victim of fraud on my personal account emptying all the money available. 
They used my debit card for a total amount of {$3800.00}, it was the result of 15 transactions to the same merchant XXXX in a couple of hours. 

{$410.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$510.00} to XXXX on XXXX XX/XX/2024 {$91.00} to crypto.com on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$91.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX  on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 {$92.00} to XXXX on XXXX XX/XX/2024 I reported the same day the fraud and visited my bank the next day, the bank concluded that there was no proof of fraud and the transaction was normal, closed the case, they told me that my debit card zero fraud was denied by visa to recognize the fraud and the bank was not responsible and can do nothing for me. 
I visited my bank again and i certified that it was not me and during the afternoon of XXXX XX/XX/2024 my phone service was disconnected and properly victim of swap fraud and i didn't have my phone service connected to me. 
My bank refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and visa refused to recognize the fraud even with Debit Cards with Zero Fraud Liability and my mobile company recognized that i didn't have service on my phone during the XXXX XX/XX/2024. 
My mobile service is XXXX and I give you full authorization to investigate and request all you need from XXXX XXXX ( my phone number is XXXX XXXX XXXX ). 

Anyone looking at these transactions realizes there is a Fraud, I am nobody and big organizations do the same to thousands of people and it is a drama to lose so much money saving for paying bills that I can not anymore. 
I am a victim of fraud and have never done these transactions, so please help me to resolve my fraud issue. 
I am completely available for any questions or missing information. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

I had a free trial with the company XXXX. I canceled my free trial, and XXXX said I owed them {$130.00} and that I needed to make a payment or the account would be sent to collections. This is inaccurate because I canceled my free trial. 

I tried calling XXXX several times and they stated they couldn't do anything about it. I am needing these unjustifiable payment charges to be solved and taken out of collections so they wont be reported to the credit bureaus, because this shouldn't be in collections in the first place because I canceled my free trial with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account ( XXXX ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the Capital One Bank, XXXX, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX with GM financial in XX/XX/XXXX. I needed a friend to come and co-sign for me. She came to help but we were not informed that she was signing as the primary buyer. We both signed on electronic devices not on paper and could not see the exactly what we were signing. I am the one driving the car and making the payments not her so why is she primary on her he contract.
Product: Student loan

In XX/XX/2011 I consolidated my student loans with Navient. I chose to conduct my student loan business with Navient because of the Public Service Loan forgiveness program that they told my I qualify for. I qualify for the Public Service Loan Forgiveness program because I am a XXXX XXXX XXXX for a XXXX. When it was time for renewal of my account three years later I was told I was not on a Public Service Loan Forgiveness program. I believe Navient misled me for me to consolidate and become a customer. I have made several attempts to e-mail/phone calls regarding the matter. The public service loan allows forgiveness of student loans after 10 years. If Navient had not misled me I would have my loan forgiven in 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with Pentagon FCU. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with Pentagon FCU, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

For over two years, Equifax has continued to report a one time past due mortgage payment in the amount of {$600.00} from XX/XX/2016. Im not sure if the other two credit bureaus have reported the same. I cant get that information in time. I have repeatedly let Equifax know through their online dispute process that this payment was not late. I spoke with the bank two days  ago and confirmed that fact. During the process for my FHA loan, this erroneous information has caused a significant problem. This erroneous information has also significantly impacted my credit score costing me both loan opportunities and higher interest rates. It must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..I was XXXX, my info was stolen.
Product: Checking or savings account

I had 3 accounts opened in my former name @ TD Bank. I am still getting statements and overdraft statements. I received 2 certified letters for the first 2 accounts and I thank you, and would like to try to get the last accounts closed.
Product: Debt collection

XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Product: Credit reporting or other personal consumer reports

Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

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

I have sent two Notices to SageStream. For the purposes of removing unauthorized and unknown inquiries from Credit Reports. At this time, they have failed to respond, let alone remove all unlawful inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous issues with trying to get my credit report to reflect the accurate scores and rating that are consistent with XXXX and XXXX  that utilize the same information and are anywhere from 50-100 points greater than what Equifax reports every month for the past two years regardless of the amount of debt I have paid on the fact that I have an excellent payment history, and regularly monitor my reports. 

Equifax for the past year has scored me at a XXXX ( fair ) rating with little to no improvement despite $ XXXX worth of debt being paid off and maintaining zero late payments, no derogatory information, or collections in comparison to XXXX  that has be at a XXXX and XXXX at a XXXX to date. 

When I call to inquire I get a person from out of the country that simply responds to how credit reporting works and not to try and fix the problem as to why my scores never change in a positive direction. 

They also continue to report a VA derogatory debt collection that was removed by the VA from the other reporting agencies as inaccurate and placed in error as I was on XXXX XXXX XXXX an the debt was accrued and paid through payroll deductions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I live in.
Product: Debt collection

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe inaccurately reflects my credit history. The late payment pertains to my account with VW CREDIT INC, account number XXXX. The bank failed to send a statement in time to establish payment. And I received a statement after 30 days past due. I promptly contacted XXXX ( VW CREDIT INC ) to rectify the missed payment. Unfortunately, they provided no satisfactory resolution and failed to take responsibility for the delayed statement delivery. They suggested filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) as the only recourse. 
I believe it is unjust for this late payment to impact my credit report. It resulted solely from the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure timely payment.
Product: Checking or savings account

on XX/XX/23 XXXX different debits were taken out of my checking account to XXXX. They were sent to XXXX ( XXXX ) for concert tickets. I never received the concert tickets or a refund after asking for it. Also Chase wouldn't reverse the charge even though I was scammed. I reached out to XXXXXXXX XXXX XXXXXXXX wouldn't refund the amount or provide the tickets. 
I then reached out to XXXX XXXX Chase instructed me to do so. Once on the phone with XXXX I was transferred to their so callled XXXX Department to verify my identity to reicieve thXXXX XXXX XXXX  back from XXXX. 
However, I believe I was transferred outside of XXXX and further scammed. There were multiple charges totaling over {$4000.00} to my bank account. 
Chase as of XXXX is working on reversing these charges but XXXX not reverse the XXXX charges. I want to file a claim not only on XXXX but with XXXX.