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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXXXXXX XXXX XXXX Account Balance : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can still see account reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Pursuant to 18 USC 1341 Frauds and Swindles, Pursuant to 18 USC 894 Collection of extensions of credit by extortionate means. 15 USC 6802, 15 USC 1692 ( F ) And completing a UCC 11 debtors search only to find I have no debt or liens in my name. 
Equifax, XXXX and XXXX  Have collected my non public information without my expressed written consent for them to publish, present or post my transactions and experiences such as but not limited to : inaccurate addresses, collections, hard and soft inquiries, inaccurate names and phone numbers and misrepresentation of a credit sale ( XXXX  XXXX XXXX XXXX XXXX ) labeled as an Auto Loan for loan type. The malicious and fraudulent activity has slandered my creditworthiness and deemed me a high risk consumer drastically lowering my score. I have reached out to the XXXX Credit Reporting Agencies and have had little to no success with them adhering to legislation that protects my consumers rights. These are just a few of the violations that have taken place and are still ongoing.
Product: Checking or savings account

My bank has denied my claim for undelivered goods. The merchant stated on their website that all packages will be delivered with a signature release. So I ordered an expensive parcel and I trusted that it would be delivered upon the release of my signature. I never got the parcel and it was never signed for. The proof of delivery signature says " FRONT DOOR '' so no actual signature was taken. I would like to be refunded my money for this order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes to XXXX, XXXX  and Equifax and they haven't replied in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose XXXX
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to Experian and XXXX  about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : 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. Please stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.
Product: Debt collection

This company called XXXX XXXX ( I think ) calls me every business day, sometimes several times a day. They are looking for an XXXX XXXX and I have told them several times that I am not him. My name is XXXX XXXX and I have had my number for 27 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous letters to XXXX XXXX, XXXX and Equifax over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below.. It has been more than 60 days and XXXX, transunion, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, transunion, XXXX must remove the accounts and billing errors listed listed below. 
XXXX. The following account is not mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX filing dateXXXX XXXX XXXXXXXX Reference numberXXXX Record typeBankruptcy XXXX XXXXdischarged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXX XXXX  NY XXXX XXXX filing dateXXXX XXXX, XXXX Reference XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX.this following account is reporting inaccurate information I was never late for this account XXXX XXXX  Account XXXX XXXX balance {$28000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXX this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account XXXX Original balance {$15000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXXXXXX XXXX ( Original Creditor Name XXXX  XXXX  ) Account Number : # # # # # XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL STUDENT LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAION/ # XXXX
Product: Checking or savings account

I deposited my paycheck for {$3800.00} on XX/XX/XXXX via the Wells Fargo mobile app. {$200.00} was initially approved. I called on Monday the XXXX to find out why the rest of the paycheck was not available and was told it would be available in my account today, the XXXX. 

That did not happen, so I called back today. I escalated through management three times but kept getting told that, because my account is relatively new, they put a hold on my check until XX/XX/XXXX. They kept insisting there is nothing they can do. No one is able to approve the funds. 

I can't afford to live off the {$200.00} they made available. I have bills to pay and four mouths to feed, not to mention we are in the middle of a pandemic. 

There was NO indication they were going to put an 11 day hold on my paycheck when I made the deposit. I would not have made it had I known that was going to happen. This is financial ruin for me and my family during a pandemic when I have XXXX kids and a wife to feed.
Product: Debt collection

Portfolio Recovery Associates ( XXXX XXXX XXXX # XXXX, XXXX VA XXXX XXXX ). is contacting me to collect an account that is not mine due to fraudulent activity that has been reported. They have run an inquiry on my account without my permission since XX/XX/XXXX and as recently as XX/XX/XXXX. This collection agency is using fraudulent tactics and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XXXX 2021.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I send {$1000.00} to XXXX and my family member couldnt get it out because she has the wrong XXXX and couldnt find it.. and later they said that the money is here but we are having problems getting it out And it wont let us.. come back tomorrow ... she went again next day and still couldnt get it out.Then when I went to the place where I send it they told me that the money is no longer there ... that someone got the money out ... and it wasnt my family member ... They told me to contact costumer service
Product: Mortgage

1. I requested documentation and proof from Wells Fargo that they applied mortgage payments to my mortgage. 
2. I requested the name, address & phone number of the law form representing the {$3.00} XXXX Fine levied by The Consumer Financial Protection Bureau. Wells Fargo refused to provide me that information. Wells Fargo refused to Modify my mortgage for 14 years as they placed it into Foreclosure. 
3. Wells Fargo misrepresented the fact that my mortgage was in Foreclosure for 14 years to the IHCDA ( Indiana Housing Community Development Authority ) for XXXX financial assistance. 
4. Wells Fargo stated to them my mortgage was in default for only 1 1/2 months and that I was eligible for only {$2000.00}. 
I asked Wells Fargo to send the correct information to Indiana Housing Community Development Authority. 
5. Wells Fargo declined to provide the correct information to teh IHCDA even though they had the case number beginning in XX/XX/XXXX! 
6. Wells Fargo sent my servicing contract to XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. 
7. Wells Fargo refused to communicate with me after that date. 
XXXX. Wells Fargo refuses to communicate or provide further information to CFPB.
Product: Mortgage

The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.
Product: Credit reporting or other personal consumer reports

Ive reviewed my consumer reports and noticed that I had a few late payments on an account that I was never late for. Consumer reporting agencies have became a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have listed below : XXXX XXXX : account ending in XXXX starting with XXXX XXXX XXXX : ending in XXXX starting with XXXX XXXX : ending in XXXX starting with XXXX XXXX  : account # XXXX XXXX  : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thank you in advance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - {$2000.00} XXXX {$2000.00} XXXX {$1800.00} All of these accounts were charged off and sent off to collections.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX/XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Product: Debt collection

No one ever showed me a bill or contract info regarding this collection. 
No idea where it comes from. except that it it was in 2013. I have NOTHING. and my credit is perfect if not for that.. 


AWA COLLECTIONS XXXX XXXX R XXXX XXXX XX/XX/2013 {$520.00} {$520.00} XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

The offense occurred in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Washington, DC. 
On XX/XX/XXXX, My fiance and I were attempting to purchase re-sale tickets for admittance to Capital One Arena to watch the XXXX playoff game with the XXXX XXXX vs. the XXXX XXXX on the same date at XXXX hours. 
At approximately XXXX hours, she discovered an advertisement, posting ID # XXXX, on the XXXX website for tickets to the Saturday game located in Section XXXX, XXXX XXXX of the arena. Using the XXXX contact information ( telephone number XXXX ) for XXXX, listed as the seller, my fiance engaged in a text exchange whereby, at approximately XXXX hours, the seller agreed to sell the tickets to us for {$140.00} each, totaling {$280.00}. The seller, requested that the funds be sent via the electronic fund transfer application XXXX, which is now common to most large banking institutions. Seller stated, via text, that upon receipt from us of evidence of the transfer of funds via the XXXX app, seller would transfer the tickets via XXXX. Seller requested that the funds be sent to the email account XXXX via XXXX. 

At approximately XXXX hours, I transferred {$280.00} of US Currency from my Capital One account via XXXX to sellers account, XXXX Payment ID # XXXX. The caption on the payment read XXXX XXXX XXXX Sat XX/XX/XXXX XXXX vs. XXXX. At XXXX hours, seller responded via text to us stating that he needed a moment while transaction processing. After that point, seller did not respond to any text messages from us. Both attempted to call the contact number provided, but were unable to reach seller. At approximately XXXX hours, I emailed seller, but received no response. 
Seller did not deliver the tickets to either of us, as was agreed. 

I contacted Capital One to report the fraudulent activity at XXXX hours. I attempted to stop the transfer, as it was listed as " pending ''. However, Capital One said that was not possible. Capital One reports that the funds were sent to XXXX XXXX account associated with XXXX XXXX. I received claim # XXXX. 

I reported the fraud to the XXXX Police Department, CCN # XXXX. 

I received a letter from Capital One, dated XX/XX/XXXX, which stated that there were no errors in the transaction, and thus my claim was denied. 

On XX/XX/XXXX, I contacted Capital One to question their response, as I had supplemental documentation and a police report, but was never contacted by the bank. The representatives said that was irrelevant, and that the transfer could not be contested because XXXX XXXX   reported that it went to the account to which it was sent. I questioned how the bank could promote the use of XXXX- going so far as to incorporate the service in the bank 's smartphone application- as a safe way to transfer money when they did not stand behind the transactions, even in clear cases of fraud. They basically said it was tough luck.
Product: Vehicle loan or lease

XX/XX/XXXX2020 : I contacted USBank about an auto loan and began the process. -- - XX/XX/XXXX2020 : The online application repeatedly errored out so I contacted USBank by phone. -- - XX/XX/XXXX2020 : I settled on a vehicle and finalized my application. I was informed I was approved for the loan by both a USBank customer service representative, USBank Loan Processor XXXX XXXX XXXX ), and USBank Branch Manager XXXX XXXX XXXX XXXX for a term of 60 months at a rate of 4.59 APR and a payment of {$330.00} for a XXXX XXXX XXXX XXXX : XXXX. Upon arrival at the branch to finalize the loan I was informed the term was changed to 48 months at a rate of 4.34 APR and a payment just over {$400.00}. The branch manager XXXX XXXX XXXX XXXX was unable to contact a processor to revise the loan due to the time. He did contact the dealership which agreed to allow me to take the vehicle that evening with a deposit and collect the check from USBank later in the week after the correction. -- - XX/XX/XXXX2020 : XXXX XXXX contacted me at XXXX to inform me that the bank would NOT correct the loan term as agreed and had decided due to the age of the vehicle would now only approve the 48 months with the higher payment. USBank had already run my credit multiple times as a result of the online application errors and I already had possession of the vehicle with a deposit at the dealership ( not refundable, though I did not ask for an exception ). As a result I felt forced to accept the revised terms ( bait and switch ) from USBank in order to avoid resulting losses and costs. 

XX/XX/XXXX 2020