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

I am writing to express my deep disappointment upon discovering a XXXX entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX  court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Mortgage

I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate of XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned. I requested Modification Assistance documentation and have not received it. The desired outcome is to avoid foreclosure and postponement the sale date in order for me to submit foreclosure alternative paperwork to save her home from foreclosure.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have 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. I have also attached my FTC report with the report number XXXX
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit card

Dear Capital One N.A., I, XXXX XXXX, giving notice on this XXXX day of XXXXXXXX XXXX, that I have received my Capital One Venture Card from Capital One. I accept the offer. However, I have never activated my card and decided to so just recently. However, I am not able to activate my card. I hereby request that Capital One correct any error for whatever reason may be. I have a picture of my card in the attached for your reference. I look forward to hearing from you with a positive response of resolving this problem. As a new customer and consumer, I appreciate your efforts and support. Thank you, best regards. XXXX XXXX All Rights Reserved UCC 1-308
Product: Debt collection

I am unaware of this debt, I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name and signature stating I received it
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan, I received approval letter by email. Then I needed to speak to a representative to complete the application. I received all documents to sign and agree to the terms and conditions via email. I provided all of my information including banking information for the loan deposit. I did receive multiple transactions totaling {$1200.00}. Before these transactions were made, I asked questions about the conditions of the loan, the amount I was approved for, which I was told {$10000.00}. I said I didn't ask for that amount, they kept telling me they were almost done completing the transaction but someone had to call me back. I kept asking questions that were not answered and the person I was talking to hang up on me, then 3 deposits of {$400.00} were sent to one of my checking accounts and then transferred to another. I received a call back and was told that the amount I was originally approved for was unsuccessful because first I have to prove my identity and that I am in good faith to pay back, in order to do this I had to transfer the money back through XXXX, XXXX XXXX or XXXX. I kept asking questions and stating that I did not feel comfortable, the person started to get upset and saying that I could keep the money if I wanted to but they had me on a recording line and they work with the federal bureau. Long story short I hang up, changed my passwords and turned off my debit card as they had this information for payment purposes. I called my banking institution to report the problem, they created checks under my name and did a mobile deposit. I had to close my checking account, report it to the fraud department to investigate the transactions that came through.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Wells Fargo credit card account in dispute was opened in XXXX. ( PLEASE SEE ATTACHED ) In XXXX the account was paid in full. However, I continued to receive statements claiming a late fee was due. I called Wells Fargo to dispute said late fee and was assured Wells Fargo would bring the account up to date reflecting a {$0.00} balance. 

This never happened the late fees continued to acquire more late fees and interest thus the balance became larger. I continually fought with Wells Fargo about charges and fees to no avail. The situation became so frustrating and upsetting I just left it all alone. Wells Fargo basically tried me out. The information Wells Fargo is reporting is inaccurate and after speaking with FDIC and being made aware of my Rights. 

It is also unlawful for accounts older than 7 years old to be reported to the 3 Credit Bureaus.

Furthermore, I can assure you I HAVE NOT entered into payment negotiations with Wells Fargo or in no way agreed to pay any amount of money Wells Fargo claims it is due.
This needs to be deleted immediately due to the negative impact its having on my credit profile. Please update my Credit File reflecting the corrected records and forward to all 3 credit agencies.
Product: Checking or savings account

Please check the complaint with id XXXX first then check this. 

My response to the company is as the following. I am filing a new complaint so they will reply to it instead of the fool reply they put to the above-mentioned complaint. 

Actually, the company is acting fool now. I am saying that no one told me while deposing the check, or even before when I opened my account, about the Fund Availability policy which Wells Fargo attached to their response. I handed the check to the employee and she told me nothing about their policy, and I didn't sign any document regarding this. This is why I believed that the check was fully deposited to my account and it was safe to send the money to the scammer by XXXX since I have the money fully deposited without any alerts from your side, as I mentioned in the complaint. 

Furthermore, another Wells Fargo employee told me that we can't check if the check amount is valid since it's with another bank XXXX XXXX XXXX XXXXXXXX in my case ). So, I know that I made a mistake, but I believe I made it due to your bad policies, firstly the Fund Availability policy, and secondary the policy of Not Telling Me Anything regarding the previous policy. 

I believe that firstly you should refund me the amount I lost ( which is {$2800.00} ), and then you should update your policies regarding the Fund availability. I will file a new complaint regarding this to ensure that you will response to it too.
Product: Debt collection

XX/XX/2025 Credence Resource Mana XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Credence Resource Mana, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX XXXX
Product: Debt collection

Over the past 4-5 months, I have received 2 phone calls from what seems like different/separate entities, saying that I have a civil suit against me by Wells Fargo Bank, for apparently an NSF check that I never paid. The amount of check is {$890.00}, and both the entitites said that I will be served papers if I don't take care of the amount. 
The first caller said that they can settle the amount for {$1500.00} if I paid them over the phone at that time with a credit card. I did not give them any c.c. information. They then said they would send out legal papers. I have never received any. 

Friday XX/XX/19, I got another call. Same or similar story. They had left a message on my cell phone. I called them back. The first person I reached said that their business was a phone answering/message company. Did not give me the name. The second person I talked with said that this account is " XXXX XXXX. '' I asked who XXXX is. She said XXXX ( or some such first name ) and XXXX ( last name ). Same story, suit filed by Wells Fargo. They will serve papers, etc. I told her that I thought they were scammers and committing Fraud. I hung up on her. 

The only information I have is on the second caller 's phone number. I have nothing else from them about who they are/were and their business name, nor contact information. 
The phone number they asked me to call them back on is XXXX. They would not tell me the name of the supposed " telephone answering/message '' company. 
The phone number that they called in to leave me a phone message was XXXX. 

I did XXXX these phone numbers, and many people posted that they had been called with similar " debt collection '' language and threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, seedfi 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 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 card or prepaid card

I filed a complaint ( # XXXX ) and it appears that it has been closed out without resolution ( apparently you have taken Chase 's word that it has been resolved ). I received a call from Chase stating that they could not discuss the specific affiliate that apparently started the chain of events that caused them to close 3 accounts in excellent status. I was told I would receive a " detailed resolution '' by mail, explaining the outcome and that my accounts would not be reopened ( something I did not ask for ). No such letter has arrived. I will not reiterate the details of the complaint since you have the file. What I find disturbing this that I have no recourse. I would never want to do business with Chase again but I am baffled that an " unnamed affiliate '' can stand as the reason, particularly since I have no ideal who that would be. As a consumer, I have been damaged without any knowledge as to why.
Product: Debt collection

In XXXX, I was involved in a vehicle accident which was being handled by my attorney ( which is no longer representing me ). The medical bills incurred and now reported on my credit profile derived from services rendered by XXXX XXXX XXXX in XXXX DE. This medical bill was referred to Transworld Systems Inc, who in XX/XX/XXXX listed this debt on my credit profile. As a result of this action, my credit score decreased approximately XXXX  points ( XXXX to XXXX ). I have written 2 letters for original creditor XXXX XXXX XXXX XXXX ) with no response, and recently to Transworld, pending response. The medical bills in question ( service date XX/XX/XXXX ) were disputed for double billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 16 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 16 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that a

re 1. FIRM LINE OF CREDIT * ( result of open account only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them. The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inq
uiries should not be reporting on my Credit Report.
Product: Debt collection

Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX  ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX  in XXXX Texas. 

I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. 

I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. 

To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
Product: Debt collection

I have repeatedly contacted company and have gotten 4 different excuses on why collections from Tulsa adjustment bureau and also faxed numerous paperwork proving bill was discharged in bankruptcy. ive disputed this bill with credit bureau numerous times yet Tulsa adjustment bureau has responded all info is correct. Tulsa adjustment bureau has reported this debt to XXXX as recently as XXXX XXXX 2017. clearly this was after all my previously efforts to resolve this issue.
Product: Credit reporting or other personal consumer reports

I'm furious with how XXXX, TransUnion, and XXXX are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A. Heres where you messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting has violated my rights act # 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions
Product: Debt collection

On XX/XX/2021 EOS CCA sent a form to me the consumer XXXX XXXX stating I owe them an alleged debt. I do not owe this alleged debt and I refuse to pay. I did not give EOS CCA consent to contact me the consumer or my Organization XXXX XXXX which is a violation of 15 U.S.C1692b ( 2 ).
Product: Debt collection

I request the removal of this account from my credit report, as the original creditor, XXXX XXXX, sold my account to Caine Weiner , a collection agency, without providing the proper notification. This action constitutes a clear violation of my rights.
Product: Debt collection

Responding back to the company of requesting information they wanted unable to file police report due to not knowing who stole my information thats what they told me it wouldnt help my case and dont know the full details when it occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. In XXXX of 2022, a Bank of America checking account was opened in my name. I was able to close this account. BofA representatives instructed me to contact XXXX and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another BofA checking account was opened in my name despite all freezes ( XXXX and all three credit bureaus ) being active. After speaking with XXXX, they informed me BofA ignored their security freeze. When I spoke to BofA about this, they informed me that this had happened before regarding XXXX and they believe the XXXX security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with XXXX and/or Bank of America regarding this issue.