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

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts showing for XXXX XXXX  XXXX XXXX both for the same place. Also the amounts are not correct! There is one showing in the amount of {$3500.00} and one for {$3500.00} When I first started to dispute this Equifax was just reporting one not two and then they added another one after I started questioning the amount.
Product: Credit reporting or other personal consumer reports

Letter to XXXX and Equifax. 

I am sending you a follow-up letter regarding the remaining derogatory items that you have continuously furnished on my credit report. I want to emphasize that these accounts still show inaccurate information. 

XXXX. XXXX XXXX XXXX  - Account # : XXXX This account has inaccurate details in Account Status, Date opened, Payment Status, Last Reported, Date Last Active and Date of Last payment. 
As per FCRA, Accuracy of report. I have the right to dispute inaccurate or incomplete information on my credit report and I firmly request that it must be corrected or REMOVED. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX This account has been successfully deleted in XXXX!!! And it still has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ) - Account # : XXXX This account has inaccurate details in Date opened, Last Reported, and Date Last Active. 
Under the FDCPA, I have the right to request validation of a debt and I have contacted this collection agency to ask for an authentic validation of this alleged debt, however, I did not receive any correspondence from them. I have no contract agreement with this collector, so kindly REMOVE this invalid account on my credit report immediately. 

I look forward to seeing these accounts completely wiped out from my credit files by next month. 

Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I went into my local Wells Fargo branch to deposit a check into my bank account. The check was still attached to stub and I tore it off in front of the bank teller. After signing the check and giving it to the teller, she stared it and said " hmmm ''. I could tell that she was discriminating me due to the amount of the check and because of my ethnicity. She asked me why was I receiving a check of this amount and if I had any proof. I was clueless because I provided her the entire check stub which stated the origin of the check. 

The bank teller said she would have to verify the check and I would need to have a seat and wait. After about XXXX minutes, the teller said she verified the check and could proceed with depositing. I waited patiently while the teller deposited the check and then she again said, " you know what, let 's just get a XXXX ''. This is not my first experience being discriminated by Wells Fargo ( see CFPB Complaint # XXXX ). The XXXX came and signed off on things and I was provided a receipt with some of my funds available the next day and the remainder would be available in 3 days. 

The next morning, I awoke to a message from Wells Fargo that they were closing my account because they believed the check to be altered ( even though their teller and XXXX verified it ). I was in shock and called Loss XXXX, who stated they again needed more proof that I was the owner of the check. I took evidence from the payer of the check stating the check amount being sent to me and the purpose of my check which was CA XXXX Rental Assistance. My local Wells Fargo took the evidence and again made me wait. After XXXX minutes, the bank XXXX came back and said that Wells Fargo still does not believe the check belongs to me and would now need a notarized letter from the payer. 

Wells Fargo has put me through so much. I feel judged every time I walk into a location.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my XXXX  XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 
Background and Details of the Complaint : Record Type : XXXX XXXX bankruptcy discharged. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy.

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

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

In XXXX of XXXX a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion Honda financial still had a XXXX balance. But she this car was purchased directly from.honda we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. Honda financial has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need this fraudulent account removed from my credit reports. The account in question is a XXXX XXXX - XXXX, which was opened on XX/XX/XXXX. This is not mine. While I do have an open account with them, this specific account is not mine. 

I have never been late with any of my payments on any of my accounts. You can check my credit profiles, and you'll see that I have a good payment history. It is absurd to me that my credit is suffering because someone stole my information. Please help me resolve this issue and remove the late payment record on my actual open account with them - XXXX XXXX  - XXXX - XX/XX/XXXX. 

I initially reported this to XXXX and they responded to me on XX/XX/XXXX that they can't help me with it. 

I attached here my credit report, FTC report, ID and proof of address.
Product: Mortgage

This is a year long attempt trying to resolve the ERRONEOUS reporting done by XXXX XXXX XXXX XXXX XXXX I have provided XXXX months of payment history from my bank account confirming that all payments were paid on time, never XXXX days late. 
I need help, please! 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to work with XXXX XXXX XXXX  in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, XXXX  and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Experian and XXXX XXXX XXXX  has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX Account shows on my credit report that should be deleted
Product: Student loan

I made a payment to Wells Fargo on XX/XX/2016, and then charged a late fee of {$28.00} for not paying the remaining balance of {$1.00} ( USD ) for the billing cycle of XX/XX/2016. You can see the payment and late fee charge on PDF document, " account_history_XX/XX/2016. '' I would love to borrow from Wells Fargo again, but because of their practices, I am unsure if borrowing from Wells Fargo would be in the best interest to help with pursuing academic achievements, or even attempting to make payments back to Wells Fargo.
Product: Student loan

During high pressure meetings with XXXX XXXX XXXX I was pressured into enrolling and taking on a loan in the amount of about {$70000.00} with XXXX XXXX XXXX. This was to be used to pay for my entire XXXX XXXX training program in advance. In 2006, the school filed for chapter XXXX bankruptcy and offered no forgiveness or help with this loan. We filed a class action suit to have this debt wiped away, but it was settled for a lesser amount. I was still left with a loan of about {$33000.00} to pay for. My training was never complete and I am not eligible for employment as a pilot in any capacity. Basically, I received {$33000.00} worth of helicopter rides. Recently, my loan was sold to Reliamax.
Product: Debt collection

PayPal signed me up for a credit card without my consent and then charged me {$45.00} dollars fee on XX/XX/XXXX. I did n't know my rights, so after paying I contacted customer service to dispute this charges and I was told that there was nothing they could do because I have already paid. It is now XX/XX/XXXX and now I received a letter from PayPal stating that I owe them {$10.00}. When I call the XXXX hot line I was asked how I was going to pay the {$10.00}. So I asked them what is this fees for. I told them that I have asked them to close my account which they did. I asked the representative to explain the charges since I had already paid the balance plus late fees even though it was something I did n't authorized. She put me on hold and after 6 minutes of waiting on hold she apologized and informed me that they have made a mistake. The {$10.00} fees were charges of {$2.00} for each month for the last 5 months on a XXXX balance account that was closed. I told her that I was going to put a complain because I am sure that this has happened to many people out there. This seems to be a very successful scam that PayPal is running.
Product: Credit reporting, credit repair services, or other personal consumer reports

So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX data data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report
Product: Credit reporting

I have called numerous times, and sent a letter to XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/XXXX to each institution, I received a response letter from the XXXX of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past XXXX years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
Product: Debt collection

I recently submitted a claim against an outsourcing company called XXXX. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XXXX  Recovery and Williams & Fudge and are aware that I have spoke with XXXX  XXXX  regarding identity theft. They suggested I report identy theft to the FTC ( which I did ) so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as XXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from Williams & Fudge and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from Williams & Fudge with instructions to clear the debt. Obviously XXXX did not do as they said they would.
Product: Mortgage

Back in early XXXX XXXX XXXX reach us to refi our fha mortgage and we agreed and started the paperwork. Since that time we have sent several docs, spoke with several different mortgage processor and finally last Friday we received two sets of closing docs, one which appears to have accurate data and the other with a much higher mortgage payment than we we are paying now at a higher interest. We shared this with our processor and closer on Friday and received a email confirming today 's closing. When a notary finally called us back today, we checked to see if the docs were accurate, and course they were not. We have also tried to reach a manager, who know one seems to know to find out why they can not correct the documents ... Why would anyone sign off on a monthly mortgage with higer payments ar a lower interest. In sane. Please help if you can. This has been a complete nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone number XXXX ( XXXX XXXX XXXX ) made following calls even though my number is registered in the 'do not call ' registry since XX/XX/XXXX. 3 of the 4 were robo calls and on one, a person asked to speak to XXXX. I informed the person that there was no XXXX. The robo calls started leaving voice messages stating that they had information related to 'my case '. I called the number and asked for them to remove the number from their list. They refused because I would not give them my name. 

Date Time Destination Number Call type Minutes XX/XX/XXXX XXXXXXXX XXXX XXXX 2 XX/XX/XXXX XXXX XXXX XXXX 1 XX/XX/XXXX XXXX XXXX  XXXX 1 XX/XX/XXXX XXXX XXXX INCOMING XXXX Off Peak 1
Product: Credit reporting or other personal consumer reports

I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

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
Product: Credit card

I opened a USAA credit card in XXXX under my former last name of XXXX XXXX XXXX. I closed this credit card around XXXX and haven't thought about that particular credit card for the past XXXX  years. About XXXX months ago, I was contacted by a collection agency for {$XXXX} worth of charges and late fees. The charges were made during the summer of XXXX! This was obviously fraud. I have spoken to USAA by phone on at least XXXX different occasions and they have no interest in resolving this for me. Every time they send it to their fraud investigation unit, " No fraud found '' is what they determine each time! They say that they came to the conclusion that there was " no fraud found '' because I didn't report the unauthorized charges within a couple of months of them happening. I couldn't report the charges because I didn't know they occurred, as I closed that card XXXX  years ago. Once again, I have spoken with XXXX  at least XXXX times and they have no desire to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Equifax -- XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

Transworld Systems is reporting on my credit report debts I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debts, which is required by law before inputting a collection on my credit report. They have reported 5 different accounts on my credit report, without giving me the opportunity to  dispute. I'm suppose to have 30 days to dispute the validity of the debts and I check my credit report and see that they are reporting the collections on my report which is damaging my credit.
Product: Debt collection

XX/XX/2020 I received a letter in the mail ref XXXX and so I called them on XX/XX/2020 at XXXX XXXX. I spoke with XXXX that was very rude after I told her I wanted an itemized statement on this account because we had paid a lot on this bill already and thought it was paid off. She then said no there is a balance and if you do not pay it today she would put it on my credit to go against me. This bill is for a XXXX year old child. I told her that I wanted it sent to the original creditor and she said she would not and there was nothing the FDCPA could do about it and hung up. I then called and spoke with her supposed manager to  report her behavior and against the law debt collecting tactics and her name was XXXX which she told me about 3 other accounts that were there that have been paid off with taxes. She still refused to get an itemized statement and told me I would have to contact the other places at which she denied any phone number for.
Product: Student loan

I've disputed this twice and I believe that whomever is working the dispute is not paying enough attention to the dates and what I am requesting. Yes they have helped me with some and thank them very much because some information has already been fixed. From XXXX through XX/XX/XXXX it shows my loans were current and in good standing. What I don't understand is how does it go to 60 days in XX/XX/XXXX if they are current in XXXX? The same goes for XXXX and XX/XX/XXXX shows current but XX/XX/XXXX shows 60 days late then XXXX shows 120.  How is this possible if they are current one month then go 2 months late? Someone please read this accordingly and assist me?