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

On XX/XX/2023, I sent a certified letter to XXXX the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the student loan and NelNet account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a HELOC with 3 consecutive banks, it keeps changing hands. The first didn't charge a yearly fee. The second did and took it out of my saving account. The third not only didn't take it out of my savings, they didn't notify me it was due. I went into the bank for something else, found out, and paid the fee and late fees. They neglected to tell me there was {$0.00} cent in interest, shouldn't have been. Then, without telling me, they assessed 3 late fees on the XXXX cents. I has destroyed my credit. It was over XXXX it is now mid XXXX 's. It was over a month ago that I first notified them. No progress yet and the report now shows and additional month late. This is completely their doing, had I been informed of the XXXX cents I certainly would have paid it. I paid other fees they should not have charged me.
Product: Credit reporting or other personal consumer reports

I disputed an account on my credit report that does not belong to me. Transunion denied my dispute. I then requested Transunion provide me with proof of verification of the debt, namely, my wet ink signature as well as any and all information Transunion used to attempt to verify the debt. I have not received any of the information I requested, and Transunion is continuing to furnish an account on my credit report that unequivocally does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/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: Money transfers

On XXXX XXXX, 2017 I requested a transfer of funds from my checking account at XXXX XXXX XXXX. This is normal activity for the past 6 years to transfer money electronically to my family members for various reasons. The company that handles the transfer is Popmoney owned by XXXX. The money was withdrawn from my account on XXXX XXXX. It was held for XXXX or 7 days. When I called XXXX I was told by XXXX XXXX that they XXXX had been advised by Popmoney that the money was being held by The US Federal Reserve. I called the Fed. XXXX and spoke to XXXX. He told me the FR was not holding any money. The XXXX refused to give me any information about the company that handled this service offered to members by them. I looked it all up on line. This company has no authority to hold my money for any reason. Their only role is to transfer the money between accounts as requested. They should be fined. I do not see a phone number for them. 
Here is the contact information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Mortgage

We were on a second payment plan with Wells Fargo Home Mortgage. Our first one we had a problem with someone hacking our bank account and causing our final payment to bounce. Our home preservation specialist at the time a gal by the name of XXXX XXXX was not able to get her manager to extend that final payment and we started another payment plan for three months starting in XXXX. We then had to be transferred to a new home preservationist by the name of XXXX XXXX XXXX. XXXX is a far cry from XXXX in that XXXX will not get in touch with us if a problem arises that we could have fixed. After we made the final payment on the plan on XX/XX/XXXX, we received an email asking for a call. Called her back on the XX/XX/XXXX, and this was one of the few times that were able to speak directly with her. On other occasions could not get in touch until sent a bit of an angry email to her regarding how the payment plan was going to be paid each Friday at a branch. Feel like that Wells Fargo put us with a home preservationist to only have us fail in our attempts on the payment plan. On XX/XX/XXXX gave Ms. XXXX a payment of {$20.00} and at that time was told to expect paperwork for what happens next. Said paperwork was not received and then get email from her stating Wells Fargo had denied our request. Email made no sense and in that we never made any request for assistance. Explained that no paperwork had been sent back in an email that no paperwork was ever received and to explain. Still have not received paperwork or new paperwork about being denied either. Can provide all receipts that show that the payment plan was paid in full and that the {$20.00} was also paid. This is a second complaint have filed over this problem and no one at Wells Fargo will address our concerns only send letters stating need more time. They are setting us up for a fail in our minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be removed.
Product: Credit card or prepaid card

I applied for a credit card with the bank, and was approved. I did not receive the card, and apparently it was stolen before arriving at my house. XXXX fraudulent charges were made on XX/XX/XXXX. The transaction amount totaled around {$2100.00}. A few days later, I found out about them due to a fraud alert service. I immediately called Bank of the West to report the card lost. 

Due to my e-mail address not matching their records ( but everything else matching ), Bank of the West said I had to go to a Bank of the West branch to dispute the charges. I did so on XX/XX/XXXX. There, I spoke to a teller, who called the credit card service, and I was able to dispute the charges. I was told they'd mail me confirmation of the dispute, which I never received in the mail. 

Per the Bank of the West 's advice, I also filed a local police report, and an identity theft report with the Federal Trade Commission. 

Since then, I've been periodically calling the Bank of the West to inquire the status of the dispute. One time they told me it would take up to 30 days. That has since passed. Today, XX/XX/XXXX, they said it will be 2-3 weeks until it might be resolved. 

This is by far the longest I have ever had to wait for a credit card dispute to be resolved.
Product: Money transfer, virtual currency, or money service

More than a month ago, I was added to an official group of XXXX and TRUST WALLET via XXXX, In the group ( named TRUST XXXX XXXXXXXX ), there were about XXXX members, some from XXXX and TRUST, and some not. 

I was offered to open a wallet in TRUST My main address in the Trust wallet Is : XXXX In addition, same contact that offered me to open the trust wallet offered me to participate in a XXXX  campaign through XXXX  about XXXX weeks ago, and this through a XXXX XXXX The money went from the wallet address to the XXXX, and I could see it through the UI of the XXXX  accumulating profits, When I came to make a withdrawal, many excuses started, and when I insisted they cut off contact. 
Trust support disavow this and ignoring me for the past month
Product: Prepaid card

I can get access to my account or money. It causing me not to have funds to go to work or buy my XXXX child nesseceties.
Product: Credit reporting or other personal consumer reports

I have been removed from the loan in question as the co-signer. 

The account is delinquent and has been reported as such to the credit bureaus, Experian and XXXX.
Product: Debt collection

This company claims I took out a payday loan. I never took out a payday loan. I told the lady on the phone it was fraud, she hung up on me. I asked to get a copy of the bill. She refused. I was threatened with jail time and exorbitant court costs. I told this company to cease and desist they call 20 to 40 times a day. I have had my identity stolen. If they feel this debt is valid it is not mine. I took no personal or payday loans. This is fraud. They refuse to help or send information of account. They threaten lawsuits and jail time. They refuse to identify company ir name
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen someone used my credit to open an account with Sterling jewelers in New Jersey ... .I have not left the state since the pandemic so its impossible for this to be me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block the information appearing on my consumer credit report that resulted from XXXX XXXX and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a collection account opened by XXXX XXXX XXXX on XXXX XXXX, 2024 under the account number XXXX. 

I have enclosed a copy of the consumer XXXX  credit report maintained by you, highlighting the fraudulent item. I do not recognize the account as reported. This account, appearing on my consumer credit report maintained by you, was neither opened, made, nor initiated by me. It is the result of XXXX XXXX and fraud. 

Additionally, I have included a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( XXXX ) as evidence from the US Federal Trade Commission that the aforementioned consumer credit account is the result of XXXX XXXX and fraud.
Product: Student loan

I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.
Product: Credit reporting or other personal consumer reports

I directly disputed this loan with the furnisher. I pointed out many discrepancies and I was never contacted to discuss them within the 30days. My biggest issue was the XXXX separate payments classified as cbp that were entered at the end of the month and then a few days after the first of the following months the payments were removed. Thankfully I have had enough accounts payable and receivable experience to notice and my suspicion was confirmed by a coworker of the lead collector. He stated that the lead collector did that as a favor for me. I never would ask this favor. Her favor at the time put me so far behind that my vehicle was repossessed. I have submitted this information to the CRAs and it was removed but has reappeared recently. Does this happen more frequently because nobody seems to think its not an issue? I didnt ask this woman to do me any favors and the damage that she did then and continues to do has made my credit score drop over XXXX points. Am I wrong to think she obviously played with my account for her benefit? What I do know is that I have never heard of this happening and it being ok. I also know that this is fraud on a higher level because it was done by a bank employee and someone we believe to be honest and abide by the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

Item appeared on my credit card as a collection from IC Systems with no previous contact or indication from the original creditor. No attempt was made to send a bill from the creditor either.
Product: Debt collection

Repeated calls when asked to call back after I was off work. Attempted to end conversations politely, as I was at work and can not take personal calls except emergencies.
Product: Debt collection

What occuured is that I recieve a email about a debt that was presented to the orginal creditor as fraud.The creditor was Upgrade Inc, which supposedly sent the debt to the company or collection angency call XXXX XXXX XXXX XXXX on XXXX XXXX, which inidctaed that to dispute this debt I had until XXXX/XXXXXXXX which I disputed the whole amount because it was fraud and the information was changed after this account was open.The account was open XXXX XXXX and the information was changed after opening of this account XXXX XXXXWith XXXX  XXXX  XXXX XXXX there was a timeframe to dispute this amount until XX/XX/year>, which I disputed the whole amount on XXXX XXXX, because of fraud after opening of this account.It is reporting on my credit report after sending XXXX XXXX XXXX XXXX the police report XXXX FTC report that relates XXXX this fraudulent account and a written affavidait that was signed and notarized in XXXX of XXXX  about how the account was open after changing the account information after opening in XXXX XXXXThe account is showing up on my XXXX credit report and showing up on my XXXX as closed account.This account was from Upgrade Inc which I have tried to fix this account with UPGRADE INC as well when UPGRADE sent an email on XXXX XXXX that I do not have an account UPGRADE INC and thank me for appyling.UPGRADE sent an email stating thank me for applying which I did not apply for this account on XXXX XXXX have already submitted a complaint with the CFPB about UPGRADE INC .
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausExperian, XXXX, and TransUnion. Specifically, the inaccuracies include : 1. Inaccurate account opening dates 2. Inaccurate reporting dates 3. Inaccurate balances 4. Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Credit reporting or other personal consumer reports

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three Expirian XXXX XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
Product: Checking or savings account

I am writing to ask for an investigation of accounts I have never opened. Please remove these from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached a copy of my report. 
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : state Identification ID Number : XXXX Consumer ID : XXXX I request that XXXX XXXXXXXX XXXX promptly investigate this matter and correct the inaccurate information on my consumer report. Please notify me of the results of your investigation within a reasonable timeframe. 


Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]
Product: Student loan

Filed a complaint before about how they were calling me over and over. They are still doing it and one person who called was talking about me being a beggar and I have it taped on my cell phone. I just got another call where the guy was ignorant and would not let me talk and kept talking over me. Told him to please listen since I will not argue and I will hang up. He stated I will hang up for you. The phone number was XXXX. I get about 5 different numbers that call me from all over, Florida, NY, Illinois, Philadelphia, north jersey, Arizona, and California. I am not sure why I am getting calls all over the place maybe it is to mask their phone number so you answer the phone. They do not seem to care about or want to wait till I go back to work and if someone tells me to go work in a convenience store again I am going to lose it. THey act like I am not trying to get a job over the summer. They are very ignorant and I am very stressed out since I am also losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy.

They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr
uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. 
Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. 

To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.