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

Firstly, I paid My state of XXXX. state income taxes. They never received a payment from Wells Fargo Bank. Secondly, I made a payment to XXXXXXXX XXXX XXXXXXXX XXXX, who also didn't receive money withdrawn from My checking account. XXXX XXXX credit card # XXXX XXXX XXXX XXXX. Lastly, Wells Fargo brokerage illegally transferred stock certificates to XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX without My permission. Kindly audit My brokerage account for illegal activities on the part of Wells Fargo Bank. The brokerage account number is XXXX Wells Fargo Advisors . Inconclusion Their are times when ; The fund I invested should have made XXXX  gains, but it decreased in value. I question If shares were transferred to conceal someone stealing from My account
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear CFBP & XXXX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list 1. Apple Card/GS BANK USA Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXXXXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

So I recently had a illegal contract made by XXXX XXXX. And I was under guardianship of north dakota and XXXX XXXX, was supposed to have my grandmother 's signature. When the contract was made and they did not have that signature.And i've sent the collection company my guardianship papers because without my grandmother 's authorization, the contract is completely void. I've also told them that i'm an XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX and i've sent them my orders and under the scra I'm protected from being in collections. As i've worked with a collection company and they removed a collection from my account, and all I had to do was provide my orders. And then seven days later, I got an update on my credit account saying that it was deleted. I've been trying to get this account removed off my credit record since it was illegal due to being under conservatorship and two. I'm under the SCRA. And they're still forcing me to pay this debt which is a interference to my mission that I am tasked. 

XXXX XXXX  wasn't even supposed to create that account without my guardianship signature. I have a copy of my conservatorship papers.
Product: Student loan

I called NAvient the other day to try and discuss my payment situation.i was on the phone with them, then the account specialists transfer me to another person, and come to find out that my account was in collections, and the person couldnt do anything. The person told me if i had the money of XXXX then i could pay it and get it out of debt status if not i had to wait. Then the person had told call back within two weeks to see who my debt collector is.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I made an inquiry into the monthly payment for taking out an affirm loan to purchase a plane ticket from XXXX FL to XXXX GA. When I saw the the monthly amount I decided to purchase the ticket outright. Affirm continued on with the loan despite me purchasing the ticket on my own. They've been harrassinf me despite me providing them proof that i purchased my own ticket ; everyday by calling me non stop. Sometimes its upwards of about 9 -10 calls a day! I'm beyond frustrated and want this terrible loan company to just GO AWAY! AT the time of the so-called " loan '' I had more than XXXX in the bank and as of today could easily pay this off but i REFUSE to let them get away with internet theft! 

I demand they investigate and they keep giving me exscuses! The first exscuse was my dispute window closed because i didn't open the case within 60 days. I prooved them wrong. THen they just went round and round trying to dodge the evidence that i purchased trhe ticket in full with my own cash verifiable with bank statements. 

Please be advised that the XXXX XXXX ticket number is in the confirmation on my bank statement. THey are also aware of this too
Product: Mortgage

We were part of the Cares Act, resumed payments on XX/XX/XXXX and deferred the prior payments to end of mortgage. However we noted that both our regular XXXX and XXXX payments - though showed as paid were not applied. My husband contacted Bank of America and was told that was a mistake on their part and they would be applied correctly. As of XXXX we showed a XXXX balance due with next payment due on XX/XX/XXXX. Today we received notice of major derogatory on our report. A big shock to us. In contacting Bank of America they said it was a software mistake and our payments had been routed elsewhere?!? The woman seemed horrified and apologetic but the manager that needed to address was out for the day. She said they would send letters for our credit cards. But didnt know how long this would take to address. This isnt good enough. Once before when this bank made an escrow mistake they sent letters but it was too late - credit card usage had been disrupted and it was not restored for months. This needs to be addressed immediately. Managers being away and this being routed through their regular routing process is not enough. If my credit is impacted I deserve compensation from this bank. This bank should not be sending ANYTHING to credit right now if they have this many issues with new software and working from home.
Product: Debt collection

IQ data international IN put a collections balance from XXXX XXXX XXXX XXXX on my credit report. I called the company to get more information. I was informed they are using an old rental lease to try to collect a debt from me. i co-signed on a lease for my brother. He signed a new lease in XXXX with the company on his own. I made the IQ Data company aware that i would like to see a current XXXX lease because i did not sign it to prove i am not on the lease. I keep disputing the collections. all my debts are 100 % paid and current and this is the only negative item on my credit report.
Product: Credit card or prepaid card

Usaa and XXXX credit bureau once were in business together. Right now they usaa federal savings bank credit card department falsifying charges amount owed etc on credit report. Right now they have added a refund as a credit of XXXX $ against my account balance instead of refunding it Calling doesnt work they just put me on hold they have also taken away my right to dispute the charge again since there have been no other purchases with the XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX
Product: Credit card or prepaid card

CareCredit..I obtained the card in XXXX unknown to me the Dentist XXXX XXXX charged the whole amount this was at the start of the pandemic .I put in a dispute for the charge which care credit refunded and never informed me that He Refunded the card completely on XX/XX/2021 and Care Credit is Saying that I still Owe them thousands of dollars and I have been making a payment every month of {$300.00} which is more that what they said was due I never got a bill with a charge just what I owed I had them send me the statement and they refuse to refund all the payments I have made to this account since last year. The bank appears to have people that are not American handling the customer issues which makes this so hard to understand. I was asked if the work was completed and I informed them I did not and he also billed my insurance. They Owe me a year of payments I have all copies of the bill my Name is XXXX XXXX I live in XXXX Il I am paid what I owed and they refuse to refund my payments back account number XXXX XXXX XXXX XXXX and my phone number is XXXX PLEASE HELP ME!!!!
Product: Debt collection

Someone stole my personal information and identity and opened a account with XXXX XXXX XXXX. Credit Collection Services is the debt collector for XXXX XXXX XXXX. This account is fraudulent and do not belong to me. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Please review attached supporting documentation.
Product: Debt collection

I have not received any information regarding possible debt, yet the company filed this on my credit report without any attempts at communication in writing, telephone, or any other correspondence.
Product: Credit reporting or other personal consumer reports

It's not letting submit the FTC report to EXPERIAN, XXXX or XXXX
Product: Debt collection

Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for an apartment complex and was denied due to a public record associated with my social security number. I was also able to obtain the courthouse name where the alleged judgment came from. The apartment complex also told me to contact CoreLogic about this matter. I immediately called the courthouse ( Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) and asked them what credit bureaus they report to and what steps do they take to verify such information. The XXXX clerk told me that they do not and will never report public records to the credit bureau under any circumstances. Today, XX/XX/2020 I contacted CoreLogic Credo about my credit report. I spoke with a representative named XXXX. I told XXXX my concerns and that I needed to know where they obtained such information and what courthouse it came from. XXXX told me that they obtain this information from the court and I told her that is not true because they told me they never give public records information the credit reporting agencies. I told XXXX that I had been denied for an apartment by CoreLogic because of a judgment but my reports from XXXX  XXXX  and XXXX XXXX do not show a judgment. I have disputed this item and asked for validation and proof of this information attached to my social security number that CoreLogic is reporting. They have failed to provide me a copy of any viable evidence from the courthouse or the apartments in which the balance is allegedly owed named. I have previously requested their method of verification and they have not complied which is a violation of the Fair Credit Reporting act 611 ( a ) ( 7 ). Please validate this information Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Product: Mortgage

I applied for a refinance and U.S. Bank refuse to provide me information on why my application was denied. I started the process last month, I have repeatedly request the lender to provide more information on my debit to income ratio denial to no avail.
Product: Credit card or prepaid card

t is clear that I have no association with them and they are causing significant harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, disputes was sent to Transunion by certified mail. I asked to receive in writing what information they was refusing to remove and why, never received a response. I asked for in writing what information they used to determine the disputed information was Complete, Accurate, and True 100 %, never received a response. Transunion is required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have asked on more than one occasion that they provide physical proof of compliance and verification of each item listed as disputed. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Transunion has stated they verified by notice of bankruptcy court and XXXX XXXX which is not true. It is illegal for bankruptcy courts to make such reports to credit bureaus. XXXX XXXX sent a letter stating they have no file for me. The information disputed is not accurate and should have been deleted before now. Transunion and XXXX are violating XXXX Records Act 42.56.070 ( 8 ) Prohibits the use of public records to be used for commercial purposes selling of public information to banks. The definition of commercial purpose- designed to generate revenue and RCW 4256.070 ( 9 ) bars disclosure by any credit bureau XXXX Therefore, all public records Transunion and XXXX are posting to my credit report illegally. They have not verified in writing what they are mandated by law to inform me of. They was allowed to provide a script generated answer to you that gave them an avenue to further violate my consumer rights.
Product: Credit card

On XXXX/XXXX/15, I purchased several items of clothing online from Macy 's with my Macy 's credit card. On XXXX, I returned XXXX items via XXXX and requested ( online ) that my credit card be credited for the total ( {$130.00} ). Macy 's instead sent me gift cards for that amount. I returned the gift cards on XXXX and again requested that my credit card be credited. When my bill arrived, the amount had not been credited. I placed XXXX phone calls in XXXX to Macy 's customer service dept. and was informed on both occasions that the outstanding amount would be credited. It was not and I was charged interest on that amount. In XXXX, I made an online written complaint to Macy 's customer service and XXXX weeks later was informed via email that the interest alone ( about {$3.00} ) would be credited and it was. I received a bill shortly thereafter ( attached ) in which I still have an outstanding balance of {$130.00} and have now been charged an additional {$5.00} in interest. I wrote Macy 's again online XXXX days ago and have not received a response. My Macy 's bill is due XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that XXXX and XXXX is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, To whom it may concern.

I have been a victim of the Transunion inquiry issue. I contacted Transunion customer service department, spoke to a representative and explained what happened. Unfortunately, the representative did not agree to remove those inquiries from my credit report.

Please find below the inquiries I requested to be removed.

1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SD XXXX  ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX   ) XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX Please proceed with this request and update my credit report accordingly.

Thank you in advance.

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

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX  should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX XXXX XXXX and not XXXX my credit file incorrectly shows. I ask that Experian, XXXX and XXXX update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete XXXX XXXX XXXXXXXX and XXXX XXXX XXXX those accounts do not belong to me.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached documents & ID. Repossession company is an unauthorized 3rd Party. They were not a witness to contract. Infringement is on my right to privacy. How did the repossession company get my address? Who gave them permission to contact me at my location? I put in a cease and desist order. Third parties can not take my car, its breaking the law. Why would they pay me the difference on a vehicle they claim they own? Attached is notice of repossession letter by United Auto Credit Corporation to prove theft, fraud, and identity theft. A XXXX came to my home and stole from me. United Auto Credit Corporation sent a letter stating theyve sent an unauthorized third party to my home. United Auto Credit Corporation has no present right to possession of the property claimed as collateral through an enforceable security interest as I, have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. United Auto Credit Corporation threatened to seize and has taken my property as show in Attachments. Which is a direct violation of 15 U.S.Code 1692f ( 6. Also advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.