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

I previously held multiple accounts with Wells Fargo for many years. The account in question was a secured credit card from XX/XX/XXXX up until XX/XX/XXXX. I would frequent the local branch to keep in constant contact and discuss the best ways to use the card to improve credit. The last conversation I had was when I advised I was no longer employed with my ( now previous ) employer, and I needed to close the account. She advised I just let it sit and it would close on its own and show up as a paid but closed account. I have looked over my consumer credit report, and see a span of time where I was reported late for ( 3 ) consecutive months which had a HUGE negative impact and cost me a lot of money on future accounts in interest as well as lowering my credit rating. I listened to the representative, and am now suffering the repercussions. After doing some research, it has come to my attention that this very well could have been a plot the whole time. The lawsuit proves they do not act in good faith, and have yet to show good record keeping or doing their due diligence as required. This is the second time an oversight has put thousands of consumer 's personal information at risk. I have since closed my previous account, and am about to close my last ones including my business account. As much as I thought they were an upstanding company, they have since proven me wrong. That is a mistake I will not make again. " Fool me once shame on you. Fool me twice, shame on me. ''
Product: Money transfer, virtual currency, or money service

In late XXXX, my father 's XXXX progress and spread. XX/XX/XXXX I was notified my father 's XXXX was extremely aggressive and he needed XXXX XXXXy. He was referred to XXXX XXXX for XXXX therapy. His medical team informed me that during the first 7 days of each 6 week treatment, he needs to be more than 3 feet away from other humans. It was suggested that we get an emotional support dog to help during this transitional time. After researching we decided on a mini XXXX due to their temperament, companionship, and trainability. Having never owned a pet, I investigated breeders, finding that prices were very expensive I turned to XXXX groups for advice and was contacted by XXXX XXXX for adoption in XXXX XXXX XXXX. ' I began corresponding with them and settled on a puppy named XXXX for {$650.00} I was to send {$320.00} ( XXXX XXXX ) immediately to hold him and the remaining {$320.00} ( XXXX XXXX ) upon pickup. On XX/XX/XXXX I was told XXXX needed vaccinations and was asked to send {$320.00}. I did but they claimed it was not received. I contacted my bank and confirmed the payment was pending, I cancelled it and resent. XXXX said their XXXX limit was exhausted and asked for {$200.00} for shots to be sent to XXXX XXXX. I was then asked to send the remaining {$120.00} to XXXX XXXX, payment failed and then to XXXX XXXX. They claimed XXXX was their daughter and others were people who helped care for the dogs. XX/XX/XXXX I was told the breeder 's daughter had an accident and they needed to use a delivery service for the puppy. I was asked to pay {$380.00} ( XXXX XXXX ) for registration and assured me it would be the last payment. XX/XX/XXXX I received a message from XXXX with a courier website and confirmation number, which checked out. The courier confirmed delivery details, they then asked me for {$880.00} for travel insurance and claimed it was fully refundable upon delivery of puppy. I was told credit cards were not accepted, only XXXX. I sent {$380.00} to XXXX XXXX XXXX XXXX account, {$250.00} ( XXXX XXXX ) and {$250.00} ( XXXX XXXX ). This has put my family in a financial, emotional and mental hardship, total loss was {$2800.00}. I have filed a dispute with my bank USAA and XXXX. XXXX has denied my dispute claim. USAA has denied my dispute claims.
Product: Vehicle loan or lease

The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO DEALER SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to XXXX and XXXX as my score is drastically different than my XXXX counter parts who have much more debt than I do
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, Equifax, and XXXX   investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Product: Debt collection

Address someone stole my agenda and use my address to obtain a loan from Speedy Loans and try to steal the equity out of my house XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( XXXX ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report JPMCB AUTO - - XXXX XXXX, XX/XX/XXXX, XXXX XXXX
Product: Debt collection

I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 

In XX/XX/year>, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 

Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/year>. 

XXXX XXXX XXXX XXXX .... Date Opened XX/XX/year> Balance : {$51000.00} Late dateXXXX I kindly request your intervention to prompt XXXX XXXX XXXX to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. 

Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Student loan

XXXX discrimination against me XXXX XXXX charged my grandma XXXX and me XXXX from my mothers insurance death benefit. I lost XXXX XXXX XXXX XXXX  as well by CDC standards because of the XXXX XXXX XXXX manipulation techniques utilized in the dormitory. Resulting in prolong adherence to nonsense coating my XXXX addition in property and other acquisition like XXXX XXXX sec report for XXXX XXXX XXXX and XXXX as well.
Product: Student loan

I am on administrative forbearance because I am enrolled in SAVE. My servicer is Mohela. They were delayed in updating my forbearance, but finally did on XX/XX/2024, which is the same date as my payment due date. Additionally, I also confirmed that I was not enrolled in autopay via the portal. It showed ( and still shows ) that none of my loans are enrolled in autopay. I was previously enrolled in autopay prior to Mohela moving its website a few months ago, but did not re-enroll with the new website. 

So, despite not being enrolled in autopay and being in administrative forbearance because of the litigation involving the SAVE plan, Mohela took a payment from my checking account on XX/XX/2024. 

Mohela gave me very few options to handle this issue, and has inadequately responded to previous messages regarding my administrative forbearance. In fact, when I finally called in a few weeks regarding the administrative forbearance, they have an auto message telling borrower on SAVE to ignore in payment letters they received and I followed that guidance.

Additionally, because the portal showed that I am not enrolled in autopay, there is nothing I could have done to prevent this as Mohela took actions based on information that was not available to me in the portal.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I hope this message finds you well. I'm currently facing a significant issue with your credit reporting agency. There is a XXXX XXXX account on my Transunion report that has been listed incorrectly as " charged off '' for years, while the same account is being reported correctly on my XXXX report as " paid as agreed '' ( I have attached a screenshot of my XXXX report for reference ). 

I've made numerous attempts ( over 10 disputes ) to dispute this account with both your agency and XXXX XXXX, but no action has been taken. This discrepancy is preventing me from securing housing, despite having a job with a six-figure income. I am currently homeless due to this account 's presence on my Transunion report. 

Could you please consider adjusting this XXXX XXXX account to the proper status of paid or remove it from my XXXX report? As you can see in the attached screenshot, the account has been paid as agreed. Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is illegally reporting late payment transactions on my Equifax credit report, which has negatively impacted my credit record. 
XXXX XXXX XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I sent letters via certified mail to Experian, XXXX And XXXX notifying each credit bureau of the inaccuracies, inquiries and collections on my credit report. In the letters sent to each credit bureau, i requested that all inaccuracies, inquiries and collections be removed off my credit report. I also attached an identity theft report that i filed with the Federal Trade Commission ( FTC ) on XX/XX/XXXX along with a copy of my drivers license, social security card and utility bill. 

Personal Statement : Upon reviewing my credit report, I have discovered several collections that do not belong to me, as well as numerous inaccuracies. I believe that these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and have significant implications under various historical legislations. 

The FDCPA, enacted in XXXX, is designed to protect consumers from abusive and unfair debt collection practices. It establishes guidelines for debt collectors and prohibits actions such as harassment, misrepresentation, and the use of deceptive practices. The collections listed on my credit report violate these provisions, as they are not associated with any debts I have incurred. 

Furthermore, I would like to bring attention to the Emergency Banking Act of 1933, which was enacted during the Great Depression. This act aimed to stabilize the banking system and restore public confidence in financial institutions. It granted the President the authority to regulate banking transactions and temporarily close insolvent banks. The fraudulent collections on my credit report indicate a breach of this act, as they involve unauthorized transactions that have affected my financial stability. 

In addition, House Joint Resolution 192, passed in 1933, is relevant to my case. This resolution suspended the gold standard and established a system of fiat currency in the United States. It recognized the importance of maintaining the stability of the monetary system and protecting individuals from fraudulent financial activities. The unauthorized collections on my credit report undermine the principles outlined in this resolution, as they have caused financial harm and disrupted my economic well-being. 

Lastly, I would like to highlight The 1933 Gold Repeal Act, which nullified the right of individuals to own gold and required them to surrender it to the government. This act aimed to stabilize the economy during the Great Depression. The fraudulent collections on my credit report represent a violation of this act, as they have caused financial harm and disrupted my economic stability.

In light of the aforementioned violations of the FDCPA, the Emergency Banking Act of 1933, House Joint Resolution 192, and The 1933 Gold Repeal Act, I kindly request your assistance in investigating this matter thoroughly. I am prepared to provide any necessary documentation and cooperate fully with your agency to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this identity theft issue and restoring my financial integrity.