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

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are not authorized by me, and I believe they are the result of identity theft or fraudulent activity linked to the data breach. 
XXXX Accounts : XXXX. XXXX  XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$230.00} XXXX. XXXX  XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account : XXXX  Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account : XXXX Date : XX/XX/XXXX Amount : {$45000.00} XXXX. XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$650.00} XXXX XXXX : XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report. On or about XX/XX/2015, I filed federal bankruptcy under XXXX XXXX During the course of these proceedings my XXXX XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX XXXX  XX/XX/2015, my bankruptcy was discharged. 

I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rdparty and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. LexisNexis reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX XXXXXXXX filing which has a 7 year reporting time ; it continues to be reported. LexisNexis reports that the XXXX XXXXXXXX was dismissed or closed, when in fact it was discharged. There was also a reference that all debts were the responsibility of consumer. 
XXXX XXXXXXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XXXX. XXXX XXXX and XXXX have deleted the bankruptcy from my credit report. 


Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. 
LexisNexis Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXlexisnexis.com
Product: Debt collection

ERC had been contacted along with their client ( XXXX ) on numerous occasions in attempt to resolve this issue, but my efforts have been all but ignored and this false negative report is and has prevented me from getting the needed credit and FICO score to obtain any new credit for me personally or my business. Now this is and has been leading to ongoing losses in my business and personal life.
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. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Td bank XXXX amountXXXX XXXX XXXXcc# XXXX**XXXX XXXX XXXX XXXXXXXX acc# XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2023 my car was repossessed I have not hear from my car company in over a month. I didnt receive a phone car or email that my car would be repossessed. When I called to make arrangements to pay past due balance they refused to allow to pay the past due and work out the repo fee separate said it would be better if I parted ways and they werent willing to help and I would have reapply if I pay the full amount owe without any adjustments or help. Which would Also include the extra {$400.00} owed they are asking and for me to pay at the towing place which are separate fees. I was out of work 3 months and now that I dont have a car I will most like lose my job I have now because they arent will to help me and all me to pay what owe to get my car back, minus the repo fee.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my client paid me ( via Square ) for a vocal session package. I had already set up my square acct so I could receive payments, sending them my bank account information, routing number and bank account no, etc. Square did a test transaction on XX/XX/year> of {$0.00} deposited into my account and a {$0.00} withdrawal the same day. They have since refused to release my funds to me saying they needed further verification of my identity. I have sent them all of my banking account information, my XXXX business license and other sensitive information about myself and/or business. After spending more than four hours on the phone with them today, the situation is still not resolved. They have all of my sensitive and private account information. One customer representative hung up on me and yet another was clanging dishes in the background and offering scripted responses to my questions and concerns. The only information they would give me is that my money is being withheld pending further review. At this point, I feel in order to protect my business reputation I will need to refund the money to her personally. As you can well understand ; I am a small business owner and every XXXX makes a difference. I will have to refund my customers XXXX to her. Im very concerned that I have been scammed. This will have a huge impact on my finances going forward. 
I will have to get a new TIN number and close my existing business account to protect myself from losing anymore money. 
Square has been very unhelpful in this situation, displayed unprofessional attitudes and lacks any empathy or compassion whatsoever for its customers in their robotic responses.
Product: Debt collection

Most of the calls received from XXXX XXXX has been negative and insulting. Im pretty sure that she has other complaints against her and the National Credit Systems. Since all calls are monitored and recorded, it shouldnt be a problem with reviewing the calls made from XXXX XXXX and National credit systems.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : According to Coinbase support, my Coinbase account was compromised via session cloning. The attacker was able to sell XXXX ATOMs for {$8000.00} USD ( not including fees ) and withdraw the money using their debit card. 

I have tried numerous times to get information and guidance regarding this issue, but I've only received the static IP address of the attacker. This information was given in late XXXX. Since then, Coinbase has been unwilling to assist me in any capacity regarding this matter.
Product: Mortgage

On XX/XX/XXXX I received an email from Wells Fargo Home Mortgage informing me that my home mortgage loan was being transferred to XXXX XXXX XXXX. The email from WFHM claimed that it was a follow up email, even though I had NOT received any previous correspondence from WFHM that my mortgage loan was being transferred prior to XX/XX/XXXX, nor have I received any information about the transfer from either WFHM or from Specialized Loan Servicing since XX/XX/XXXX. As there has been no follow up info, I don't even know for certain if my loan was transferred to XXXX XXXX XXXX. My mortgage is due on the XXXX of each month, with a grace period up to the XXXX of each month. I went to pay my mortgage on WFHM website on XXXX, but they would not allow me to pay. I sent them an email and still have not received a response. I've contacted XXXX XXXX XXXX and have not received a response.This situation is absolutely ridiculous. I have received no info about the transfer of my mortgage loan and I am unable to make a payment. As has been demonstrated with multiple complaints against Wells Fargo Home Mortgage, I already am more than aware that they are a corrupt and dishonest company. Once more I have been forced to file a complaint because of their dishonesty and incompetence.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

I opened a Cash App account 2 or 3 years ago and never had any issues. In XX/XX/2022, I got XXXX  in XXXX XXXX, GA. I had a roommate that stayed with me at my house in Florida. After I was XXXX, she took my car and went back down to my house, which I really didn't anticipate she would do since I wasn't there. She got into my belongings and found where I kept my account numbers and passwords. She changed the passwords and the recovery information so I was locked out of my accounts. She took around {$10000.00} from my XXXX XXXX XXXXXXXX account which has been resolved. She also took a total of {$1100.00} from my Cash App account. I was given this amount from the first representative I spoke with on XX/XX/2022. Unfortunately, I did not become aware that this had been done to me until around the latter part of XXXX, which is why I was reporting it outside of their 60 day policy of disputing a transaction. Since XX/XX/2022, I have contacted Cash App support at XXXX ( XXXX ) XXXX three other times with the representatives telling me it was being worked on. I thought this was strange because I was initially told I would hear something within 10 days and the case had up to 45 days to be resolved. They had never asked this entire time for any documentation from me ; so I asked them if it would help if I sent documentation to show what happened. They said yes, so in XX/XX/2022, I uploaded documentation to prove my story. I had to send it twice as they said they did not receive it the first time. Finally, on XX/XX/2022, I was told the case had been denied but I never received anything in regards to this via my email. I believe they are trying to string me along hoping I will just give up and go away. I only want my money reimbursed to me. I thank you for any help you can provide.
Product: Debt collection

Navy Federal Credit Union took my entire Federal unsubsidized student loan of {$6700.00} from my NFCU savings account to pay credit card debt. This money was supposed to be used for educational expenses only which includes textbooks, study materials, my school laptop, etc. I have been unable to retrieve all of my funds from them and can not pay room and board for this semester. When I called Navy Federal with University of Alabama XXXXXX/XX/XXXX office on the phone, they made them hang up and told me that they could keep the student loan. I emphasized that I needed this money to help with completing my studies and that they were misusing government funds and it was fraud.
Product: Credit reporting or other personal consumer reports

Inaccurate Late Payment Reporting : Despite accounts being listed as " never late '' on my credit report, Experian has reported that I have 14 late payments. This discrepancy is damaging my credit score without any visible justification or support on the report itself. 
Lack of Transparency : Experian has failed to provide clear information regarding which accounts or companies are allegedly reporting these late payments. I have requested detailed information on the sources of these late payments, but Experian has not provided this information, which raises concerns about the accuracy and transparency of their reporting practices. 
Incomplete Account Information : Experian is reporting an account from XXXXXX/XX/XXXX Owner ( Account Number : XXXX ) as a negative account, yet the report lacks critical details such as account type, status, balance, original balance, monthly payments, and payment history. This incomplete reporting is misleading and further impacts my credit score negatively without proper justification. 
Failure to Resolve Previous Dispute : I submitted a dispute regarding these issues on XX/XX/year>, but Experian has not resolved the dispute. Despite providing evidence and following up on the dispute, the inaccuracies remain on my credit report, and I have not received a satisfactory response or correction from Experian. 
Potential FCRA Violations : Experian 's failure to provide complete and accurate information, their lack of transparency in reporting late payments, and their inability to resolve the dispute may constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 and 611, which require accurate and fully disclosed reporting.

Negative Impact on Credit Score : These inaccuracies and the lack of transparency in reporting have resulted in an unjustly lowered credit score, which could affect my ability to obtain credit or other financial opportunities.
Product: Credit reporting

I sent a certified letter to Experian on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Experian send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, Experian still has a total of XXXX accounts they did not provide me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts listed
Product: Consumer Loan

I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.
Product: Checking or savings account

I cant open no bank account because they got negative accounts on my credit report that is false they going off my credit score and my credit score is a XXXX I need them accounts off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$20000.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to EXPERIAN. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with XXXX be considered a debt collector. "
Product: Mortgage

I refinanced my loan in XXXX with Wells Fargo Mortgage, the refinancing amount was {$60000.00} dollars, the refinance fee should have been {$3000.00} but I was charged {$6000.00} dollars. At the beginning of the loan I paid an extra {$200.00} dollars toward the principal of this loan making the principal {$500.00} per month, 2 years ago I added another {$200.00} dollars toward the principal, making my principal payment {$700.00} dollars, the money paid toward this mortgage does not add up and when I tried to get Wells Fargo to explain why I have been paying this mortgage on time, never late and paying extra on this 15 year loan, why it is paid up. I was informed it should be paid up in XXXX before I added the extra {$200.00} dollars but I am still paying on this loan. I am a XXXX  Citizens and I know I am being defrauded by Wells Fargo and I need help in getting them to close out this over-paid mortgage.