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

I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for near ly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arran gements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX - Original Creditor : XXXX XXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, Experian and XXXX report 1 late payments, which is inaccurate. Despite multiple disputes ( over 1 time ), the error persists. 
I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

To whom it may concern, XX/XX/XXXX I received notice that my Navient Department of Ed loans needed attention. I call to request a forbearance and was approved. I've always only talk to One representative to place forbearance on ALL of my loans. I received notice on XX/XX/XXXX that my request for forbearance had been approved and payments would resume in XXXX. Moving forward I received an alert on XX/XX/XXXX from my credit monitoring service saying that i had 11 missed payments on my report. I have the email correspondence that says that if they service any other federal loans that forbearance would be applied to those loans. It came to my attention after speaking to several representatives, they did not apply them to all of my loans which was an error on their end. I've tried on multiple occasions to get this matter resolved. I was told to write a letter and send any proof that i had which i did and they denied me due to their error. They absolutely refused to remove the negative hit on my credit report. I've had these loans for at least 15 years so why would i let something like this happen knowing the outcome would be negative accounts on my credit report? 
Thank You for your time
Product: Checking or savings account

On XX/XX/22 we mailed 5 checks, all written on our Wells Fargo accounts, to pay various bills. On XX/XX/22 all 5 checks were cashed by someone other than the payees. On XX/XX/22 and XX/XX/22, when we realized the payees had not received the checks, we filed three claims with Wells Fargo. 

Two checks ( made out to XXXX Bank for {$2800.00} and XXXX XXXX XXXX XXXX for {$2200.00} ) were clearly endorsed by " XXXX XXXX '' ( see attachments ) and cashed at XXXX Bank. XXXX checks ( made out to XXXX for {$510.00} and XXXX XXXX XXXX XXXX for {$500.00} ) appear to have no endorsement at all ( see attachments -- backs are blank ) and were cashed at XXXX  XXXX XXXX. XXXX check ( made out to XXXX XXXX  for {$1100.00} ) was clearly endorsed by " XXXX XXXX '' ( see attached ) and cashed at XXXX  XXXX XXXX. 

Since these claims were filed over two months ago, we have had contacted Wells Fargo numerous times. Wells Fargo insets that they are under no obligation to credit us any of these funds. We have never been able to speak with their investigators, as they are a " back end team '' ( to quote Wells Fargo customer service ). Our complaint was escalated to the Executive Office but it doesn't seem to be bringing us any closer to a resolution. During our many phone calls with Wells Fargo we have been told variously that : the claims were closed ; that perhaps XXXX XXXX is in fact authorized to cash checks for XXXX Bank ( headquartered in Delaware ) AND XXXX XXXX XXXX XXXX ( our local club in XXXX  ) ; and that there was no record of our claims numbers at all. Wells Fargo has refused to give us provisional credits ( though they did, in fact, give us a provisional credit for the {$1100.00} check only ; when asked why only that one, the executive case manager could not answer ). The only reason we know where the checks were cashed is because of the diligent work of an XXXX investigative reporter. 

We've always been told not to mail cash -- but we may as well have, as we would have had the same luck trying to recover our money. Why bother making anyone endorse checks at all? Apparently it means nothing. Why is it that with credit card fraud, the consumer can usually recover their funds, but with check fraud, there is apparently no recourse at all? 

We are losing hope that despite this obvious case of fraud, we will never be able to recover our {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year a collection hit my credit report in the amount of {$520.00} dollars from a company called XXXX XXXX XXXX. I disputed it on the XXXX of XXXX with XXXX and Equifax after calling XXXX XXXX XXXX, and having them refuse to give me the address on the account without me giving my social and ID. XXXX Removed the collection within 8 days of me filing my dispute. Equifax claimed it came back as accurate. I have disputed it more than once to no avail. This account is fraudulent. I have lived in XXXX Geogia for the past 6 years and never gave anyone my personal information to open any account in my name. Please assist me in the removal of this fraudulent account.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Solutions Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$830.00} XXXX XXXXXXXX Balance {$830.00} Inquiries XXXX  Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX First Premie Date of Inquiry : XXXX XXXX Of XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date  of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX
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. 

Unauthorized inquiries : XXXX XXXX XXXX XXXX
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. 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 from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

I filled a dispute on XX/XX/2023 Requesting of inaccurate information on my credit report and Equifax failed to respond on timely manner.
Product: Credit card or prepaid card

My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines. 

When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity. 

The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result. 

To date, I have not heard back from Barclays on that investigation. 

On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score. 

I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN. 

I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee. 

She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation. 

The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.
Product: Credit reporting or other personal consumer reports

Please find attached a letter that I received from Equifax stating that I requested a fraud alert on my file. I have never requested a fraud alert on my file and do not consent to them putting one on my file at all. They requested a copy of my drivers license and a copy of my social security card - which I will not be providing to a self appointed, privately held, data collecting company that is currently continuing to SECURITIZE MY INFORMATION and using my information in ways that I have not expressly consented to. I have provided the IRS and their legal department with a notarized revocation of their Power of Attorney, they assumed as part of securitizing my information. I will not give EQUIFAX my personal information to try to pretend that I have consented to give them the ability to use my name, image or likeness to profit off of my information further. 

This CRA continues to violate the Privacy Act of 1974 by reporting information that does not belong on the file that they have created. They have YET to provide me with a complete, unabridged copy of the FILE and not the report. They have ignored all prior requests ( see attached correspondence ), but used and exhausted their stall tactics to continue to get paid from reporters/furnishers that have not and do not comply with the FDCPA as EQUIFAX continues to violate the FCRA as well as the Privacy Act of 1974 and Opt Out 15 USC 6805. This is par for the course for this companys noncompliance and will require further action on my part. I will seek equitable remedies. 

Prior complaint # COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ask for information on the follow accounts XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX, XXXX. 
{$710.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$75.00} I never heard back from Experian. Nothing was done to verify these are my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failuyre to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited techical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation rasies concerns about consumer protection laws, and I equest your assitance in investigating this matter to ensure my rights are upheld. Thanks you.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Car was stolen never returned XXXX  XXXX  was supposed to pay the XXXX XXXX XXXX so this is not my my loan I was never informed of any of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 accounts with transunion. All 4 accounts are from receiveable recovery in the amount of {$600.00}. I have reached out the collection agency as well as XXXX. I am concerned about the validity and accuracy of your recent investigation. I requested an investigation because I felt the item is not being reported legally, I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! The information is inaccurate. Under the laws of FDCPA I have contacted the collections agency and the original debt collector. The dates of the service are wrong. I have attached the dates that was sent to me by the original debt collector. Transunion fail to properly investigate the accounts on my report. They are negative affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Credit reporting or other personal consumer reports

I had stuff on my credit report and it wasnt me but they wouldnt help me any
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoned Wells Fargo Bank asking why they did a hard hit on my XXXX credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use Wells Fargo Bank. They use XXXX XXXX. No reason why Wells Fargo Bank created a hard hit then removed it. It will remain on my XXXX report for two years according to XXXX.
Product: Credit reporting or other personal consumer reports

I call Experian on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX  format any photos or upload in XXXX  format This is a stall tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account reporting in error. Balance and account status incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that is result of identity theft. I did not provided written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

date open is XX/XX/2014 XXXX  XXXX XXXX
Product: Student loan

No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! Thank you!
Product: Debt collection

I received several letters from XXXX XXXX XXXX in XX/XX/XXXX regarding a student loan debt from XXXX XXXX XXXX XXXX. I contacted them on multiple occasions to find out what debt they were talking about, where the debt originated from. XXXX XXXX  XXXX could not tell me. I asked for a contact number and they would not give me one saying they had the debt now and I had to pay them. In XX/XX/XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of XXXX XXXX for. I never received a notice to appear. In XX/XX/XXXX, my mother received a court document saying he had to appear in court for this loan ( she allegedly was a co-signor ). I contacted the court because I did not receive a notice to appear. The court clerk told me they had the wrong information for me and that I was in fact being sued as well. In the court document you can see that it states : Upon information and belief, defendants requested an educational loan. That request was received by its servicing agent. The loan was approved, funds were disbursed by a lending institution, and the ownership of the note for the subject loan was transferred to plaintiff. No where in that does it say who the lender was, the original amount of the loan, no contact information, nothing. And yet the court allowed for this to be a legitimate lawsuit. I had to appear in court with my mother on XX/XX/XXXX. The judge dismissed the case with prejudice. As of today, XX/XX/XXXX on my XXXX credit report there is a report of AES/ XXXX which is XXXX XXXX. I have tried numerous times by phone and mail to get them to remove this from my credit and they will not. It states they charged off this debt. They lost in a court of law. And it has been on my credit since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : EXPERIAN Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX