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

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on XXXX XXXX XXXX XXXX XXXX XXXX After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times in request to receive information from the original creditor. They are listed on my report as the original creditor and that in itself is FALSE. On each occasion I receive no information and the dispute is updated as not changed. This account reappears on my credit report each year with a new date in XXXX and I have had no correspondence with the original creditor or them. With this information I can prove satisfactory payment to the original creditor which is NOT what is listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?
Product: Checking or savings account

On XX/XX/2022, I fell victim to a XXXX scam where 4 transactions totaling {$3400.00} was removed from my account through XXXX network. I notified Wells Fargo immediately and they did an investigation. They informed me they wouldnt do anything.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had 7 late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). i'm now requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: Debt collection

I was contacted today by XXXX XXXX XXXX. Their phone number is XXXX. They informed me that they are suing me on behalf of Wells Fargo for a overdraft amount of {$900.00} that took place in XXXX according to them. I have no knowledge of this account, it is not on my credit report and I do not recall having a checking account with Wells Fargo during this timeframe. They informed me that they will be waiting for me at my home tomorrow in order to serve me with court documents and if I am not home they will come to my place of employment. The Account number they provided me is XXXX and case # is XXXX. I am concerned because I have no knowledge of this debt and am afraid of being humiliated at work. According to the person I spoke to this account charged off in XXXX and I have never seen it on my credit report? Does the statue of limitations apply? They said even though I am denying this account they are still going to sue me and contact me employer.
Product: Prepaid card

I called to get a new card on XX/XX/XXXX because of unauthorized transactions and they sent me the card with the wrong last name on it after I had waited over a week to get it. Then I called them to get them to send me the one with the correct name and I was told by that employee that the XXXX dollars for the card replacement would be waived because it was their mess up. I still havent received the new card and I did not have a virtual card on the app and my physical card will not work that has the wrong last name on it. so I had to call today and they said that a new card hadnt even been ordered so whoever I spoke to before did not do their job properly and I still got charged another XXXX dollars on top of the XXXX for the wrong name card and when I said something today about it, they said that I was getting charged the XXXX dollars regardless even though it was their employees XXXX up. so I need my money back and I need people to start doing their job or be held accountable
Product: Credit reporting

I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.
Product: Checking or savings account

Bank closed my checking account without any advance notice. I called them and they said it was due to inactivity. However, I had just transferred funds to the account and now those funds are locked up until the bank can return them. 

I asked why they closed my account without notice and they said they made a mistake. They refused to reinstate the account Since they closed the account I haver no access to the account number now.
Product: Credit card

On XX/XX/23 I received notice that a credit inquiry was made under my name and information. I did not apply for new credit but upon calling JPMorgan Chase, I learned that someone open a credit card in my name. JPM has stated that this will be investigated and the card will be cancelled. I am awaiting confirmation through mail.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Vehicle loan or lease

Exeter 's website has failed to process payment several times resulting in late fees. I reported the error and sought guidance from their customer service team in XX/XX/XXXX on how I might submit payment. To date they have failed to remedy the situation. Neither their website nor customer service team disclose any reasonable alternative payment methods. 

I've got screenshots showing a variety of attempts to make payment via XXXX, XXXX, and XXXX XXXX, on XXXX XXXX, XXXX, and XXXX XX/XX/XXXX. The error message presented specifically states that the errors are the result of using an incompatible browser, which is inaccurate. The error message fails to make available any information regarding alternative methods through which to make payment. 

Their predatory tactics involve failing to apply payments accurately while an unwarranted fee is in dispute, making available an unreliable and broken online payment system, reporting inaccurate account balances, and failing to disclose reasonable alternatives for submitting payment.
Product: Credit reporting

on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.
Product: Mortgage

I need Wells Fargo to send me all the Inpection fees when Wells Fargo started servicing the loan and till the day of foreclosure. Payment history XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX pa XXXX My email is XXXX
Product: Money transfer, virtual currency, or money service

PNC will not allow me to add my checking account with them to my XXXX account.
Product: Debt collection

I ask this company to verify the debt they say i owe. I have been trying to get all negative information they have shared with everyone to damage my credit and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute dated XX/XX/2020 to TransUnion as I was a victim of ID Theft and noticed Inquiries on my report that were not authorized by me. I sent along with the dispute my DL, SSN, and copy of police report I filed all together certified mail. I received a notice of confirmation from the USPS dated on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I called TransUnion questioning why the items were not deleted off my report and the agent told me that they saw the document in my records but it needed to be unlocked by a supervisor so I was transferred to XXXX XXXX who was suppose to be a supervisor. in taking to her she told me that my documents were not able to be located and was refusing to look for them with the tracing number i was trying to provide her. She kept saying that I needed to re mail the documents to them. I then told her that I didn't need to because I had confirmation that my documents were received by one of their agents and that she needed to track them down. all she kept saying was that she cant do it and kept saying I needed to resubmit documents. I hung up with her after back n forth conversation as I t wasn't getting anywhere. I then called back to speak to another agent who verified they received my documents on XX/XX/2020 but he also said the same thing the first agent to me and transferred me to his supervisor. I was then transferred and the supervisor that said the same thing the other supervisor said, I then hung up with him and just decided that i needed to take more drastic measures as they seem to be very irresponsible and not organized at all with peoples personal identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The facts : I applied for a form of credit through a Matress company. I was approved for around {$4000.00} then I decided to shop around further for the best deal for me. I found another vendor with better pricing so I informed them of my approval with XXXX and they said they accepted them and could move my approval to them. The owner attempted to move the original approval. A code was sent to my phone to verify my identity and he said it had been done. He called and talked to the company on the phone in front of me as thats what needed to happen and they went through the process with him so he did his part. Then I get the lease information and an email saying I had a certain amount of credit left and that I could make an additional purchase. The credit was way less than my original approval so I chatted with XXXX  customer service and the lady stated she was a supervisor and attempted to disconnect because she said I was rude. I was direct and professional. She stayed on and continued to not help but tell me company policy and would not escalate my concern to management. I told her I wanted to undo everything and return the product and she said that it would report as repossessed property on my credit report. I still have the mattress and have until XX/XX/2020 to exercise my 90 day payoff and Im waiting until that time to complete the payoff as thats the full 90 days. Its being reported on my credit report for some huge amount thats not the original purchase amount of XXXX plus tax. They need to be fined and reprimanded for the service they are providing. They also did a second pull on my credit report, it was a soft pull but I did not authorize a second pull period. So at what point does a company take responsibility and follow set standards and regulations and hold their employees accountable for not doing their job correctly. I want a positive resolution for both parties and want to be treated with respect and to be heard. I disputed this and Im guessing since they are a partner vendor with Experian they didnt make XXXX change anything. Because the item was updated the only change was to show my good payment history for the next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted three disputes with XXXX which have all returned unchanged. I received the latest yesterday evening of XX/XX/2024, at which time I immediately contacted XXXX to ask why they will not close the Marcus Goldman Sachs ( MGS ) account and I was told by XXXX that MGS must have provided information that the account is accurate. I asked if they could provide me with proof and the response was that I would have to contact MGS. I explained that I submitted several documents proving that they sold-transferred my account to XXXX, who I am currently paying, and they are also reporting. So, I now have two of the same account with different loan servicers. 
I then explained that I submitted a complaint to CFPB but was told by XXXX that I need to enter a new complaint against MGS. I asked why and was told MGS is responsible for closing the account. I explained that I have called MGS multiple times, and they keep telling me to contact XXXX, who then refers me back to MGS. No one is helping me in this matter. 
So, in reference to complaint XXXX I am requesting that MGS update my account as closed-transferred to XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The account below have violated my rights : 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A seccin 2 : it also states a consumer reporting agency can not furnish a account without my written instrucciones.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tem of information, other than records of convictions of crimes which ante dates the report by more than XXXX  years.

15 USC 1681 s-2 ( A ) ( a ) : 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 in account.

Delete the account below : TransUnion : XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). XXXX : XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit card

On XX/XX/2024, my husband was in the hospital and I forgot to make a payment of {$150.00}. for that month 's purchases. When I realized I missed the payment date ( next day ), I immediately made the payment and called them about the late charge and interest which they readily removed. 

When I received my next bill, due in XXXX, the XXXX charges had been removed but there was a new charge of {$3.00}. Again, I paid purchases in full, called XXXX and they removed interest charge and assured me it would not happen again. Spoke with XXXX ( Ref # XXXX ) and Superviser XXXX ( Ref # XXXX ( XXXX or XXXX on end ). 

Come XXXX & XXXX, same issue. Interest was removed and new ones added. On XXXX spoke with XXXX in Tennessee. Said he didn't have an ID and said everything was previously done correctly to permanently remove fees and would look into it further. I never heard back from him. 

Called again when XXXX bill arrived, spoke to a XXXX XXXX, ( no ID ) Last communication ( in XXXX ) I spoke to a representative and supervisor ( names I can't find ) but both told me they would not remove the interest and I would have to pay it to clear up the account. I told them I WILL NOT pay the interest and to cancel card. That for months they have been telling me it's fixed and nothing will show up on the next bill. 
Tired of the runaround and many hours on hold for an agent to talk with. I have been a customer for years and don't remember ever having been late. If this is how they treat their customers, I don't wish to be one of them. Since I only paid my purchase amount in XXXX they have now added late fees, which I also refuse to pay. 

After months of XXXX removing these fees each month and of being told everything will be permanently removed and there will be no more charges the next month, they have a lot of nerve adding these current fees to my account and telling me they won't remove them.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done