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

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for Experian has wrong social security and I would like it corrected. I have requested Experian correct my credit report to no avail and according to the Fair Debt Collect act Experian has a duty to report correct information to credit granters and Experian was made aware of this matter 8 months ago and have yet to correct the matter.
Product: Credit reporting or other personal consumer reports

I have not authorized or participated in any transaction that would have led to this inquiries, and I request that they be removed and blocked from my credit report. 

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

Good Day, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my XXXX or Equifax credit reports. 

Now I seek your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XX/XX/2023 and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/2023. The XXXX transfers were credited back the next day after receiving XXXX XXXX response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on XXXX XXXX part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I requested the information on XX/XX/2023 and have not received any response from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that i do not remember as mine ... .. this accoun is a mistake in my credit report ....
Product: Checking or savings account

PNC Bank charged me some fees that then put my account in the negative by {$1.00} and then they charged me a {$36.00} overdraft fee! All due to hundreds of dollars in fees that they charged me for using my own money!!! They charged me XXXX percent in fees on ALL of my debit card purchases. These fees add up to thousands of dollars every year. There is no way that any of this is legal. They are thieves.
Product: Credit card or prepaid card

I sent a message through the mobile app on XX/XX/22 regarding my Nrewards Secured credit card to get an answer as to why my card was not converted to an unsecured, even though I have had the account for about a year and half now. I received a reply back on XX/XX/22 stating that it was due to my credit score. I sent a response back on XX/XX/22 stating that I have an open account for an unsecured card prior to my Secured Credit Card being open and my XXXXredit score was lower at the time. I also noted that their website did not mention credit approval as a requirement for determining a secured credit card conversion in their Terms and Conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A.

There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score. 

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX  system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with inaccurate, unverified information reporting on my credit report, which is preventing me obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX concerning this matter asking for proof that these accounts were properly verified and reporting accurate information, and nothing has been sent or done to fix the problem.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a re-age program for 3 mos, paid per terms of agreement and then went back to normal payments per said agreement. Company is reporting me ( shows on my monthly statement ) that i am in a loss mitigaton program which i am not nor have i ever been as a reage program is not loss mitigation. I have contacted XXXX XXXX via voicemail ( she was my point of contact during this ) no less than 15 times and have not rec 'd a response nor do i see the verbiage off my monthly statement. I have written a letter to both the office of chairman, XXXX XXXX and XXXX XXXX all without response, written or phone call. 

I want this reported current and accurate to the credit repositorites and i want the verbiage that i am in loss mit off my monthly statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately
Product: Credit card

I was baited on XXXX into online casinos. I signed up stated my address as minnesota not knowing at the time online casinos including sweepstakes casinos are illegal to allow minnesota players. Every website states void where prohibited. I have requested the charges reversed both from the casinos and the credit card. The credit card company did until they provided that I actually purchased it. Which was never disputed. The casinos say they are in the right. Then the ftc states " This Act prohibits any person engaged in the business of betting, as defined, from knowingly accepting credit, electronic fund transfers, checks, or any other payment involving a financial institution to settle unlawful internet gambling debts. The Treasury Department and the Federal Reserve Board must develop jointly and prescribe regulations requiring payment systems to identify and block or otherwise prevent or prohibit the acceptance of payment for internet gambling transactions. '' In Unlawful Internet Gambling Enforcement Act. Right now I'm out thousands from XXXX  XXXX and XXXX XXXX. 
Below are the casinos XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a letter about a pressing request concerning a XXXX XXXX XXXX XXXX  in my credit files that I would like to have revised. I received the XXXX Comenity card in XX/XX/XXXX and never missed a payment. In XX/XX/XXXX, I experienced XXXX damage to my home and was unable to live in it. I did not have Utilities or mail service. I recognize my responsibility with respect to making sure my payments are received on time and until XX/XX/XXXX, I never missed a payment, and my account was at a XXXX balance. I never made a purchase on my XXXX  XXXX  in XX/XX/XXXX ; therefore, when I received the call from Comenity bank collections in XX/XX/XXXX, I was in total shock. She informed me that my account was well over 45 days past due and without reviewing the charge, I immediately paid the bill to avoid any further fees and to bring my account current. 
Once I was able to log in the account, I was appalled. The charge in XX/XX/XXXX was not an authorized charge. It was for a O membership that I did not give authorization to charge. I immediately called XXXX and the customer service member reversed the charge and credited my account for the {$21.00} unauthorized charge. I assumed that would correct the credit reporting issue ; however, it did not. Comenity bank issued me a refund by check for the {$21.00} because my account had a XXXX balance but did not reverse the payment history to reflect I never missed a payment. 
After losing my home, I begun to shop for a mortgage, and it has come to my attention that the late notations from my XXXX card ending in XXXX has caused me to disqualify for a loan. Since those notations do not reflect my true payment history, I am requesting revise those tradelines. I have reached out to the company, sent in proof of the reversal and contacted the credit bureaus. Nothing has been done. I ask that you respond within 30 days by removing the negative mark from all credit bureaus.
Product: Debt collection

A debt collector is claiming I owe for carpet cleaning / replacement that took place ~6 years ago at an apartment I formerly lived at. The lease, that I retain a copy of, and have sent a copy to this creditor, clearly states that carpet replacement and cleaning is NOT the responsibility of the tenant after 24 months. Further, I did receive a letter from the property management and have record that I paid in full the final balance due. This charge was added AFTER the fact to that balance. 

I retained this apartment for 36 months. This alleged debt is fraudulent and wasn't brought to my attention until it showed up on my credit report very recently as being in collections, despite its age. Further, even if this debt was valid, it should be allocated to all parties that lived in that apartment and split multiple ways. I've reached out to these parties, and this isn't the case. This alleged debt is only being collected on me. 

This is negatively impacting my otherwise pristine credit report and is unlawful and fraudulent.
Product: Debt collection

I. XXXX sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by Wal-Mart, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX regarding this matter. 


ISSUE : This firm stated they were retained by Wal-Mart. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
Product: Debt collection

Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.
Product: Checking or savings account

Wells Fargo Bank has charged my checking account for SEVEN ( 7 ) overdraft fees totaling an ASTOUNDING {$230.00}! 

I am an XXXX XXXX XXXX man with LIFE THREATENING medical conditions. My beloved wife XXXX and I XXXX XXXX on Social Security! 

Wells Fargo Bank denies me access to my checking account online because I do not have a mobile phone and I have repeatedly told them THAT! 

I can not at my very advanced age just pop over to the XXXX branch! 

No one from Wells Fargo Bank nor XXXX in the XXXX branch with whom I have transacted bank business many times called. I have also repeatedly told him I DO NOT HAVE A MOBILE PHONE! 

Either these astounding charges are removed or I can not afford MEDICINE and FOOD! 
Period! 

To repeat, it is patently unfair of Wells Fargo Bank to be charging me thus when it denies me access online to my checking account because it foolishly demands I have a mobile phone which repeatedly I have told them my beloved wife XXXX and I DO NOT HAVE AT ALL! 

ONE OVERDRAFT SNOWBALLS INTO THE NEXT AND THE NEXT AND ...! And even though I do not draw checks!
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form : XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX Account Number : XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX  XXXX Account XXXX Please remove it from my credit report. 

US DEPT ED Account XXXX This is not mine. 

XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account XXXX My parent has the same name as me.
Product: Credit reporting or other personal consumer reports

I wrote in to you guys the last week of XXXX to file complaints on my credit report. Thinking it would be beneficial and you guys would make sure it was fixed, instead, you guys aren't even done with your report and it's already hurt me and dropped my credit score XXXX points for an account being wrongfully updated with incorrect information. I am absolutely shocked and incredibly upset. 

The account is on my Experian report as XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Closed and written off as owing {$6400.00} There has not been activity in years, yet it's now been updated as charged off in XX/XX/XXXX which is not only INCORRECT it's hurting me beyond belief by being misreported and hurting my credit even more than it was! The account shouldn't of been on my report to begin with let alone have it be listed as charged off XX/XX/XXXX. That update alone dropped my score XXXX points. I feel just sick over this. Is this what is expected when you ask the CFPB for help? I'm so sad. I was hoping for a positive experience working with you guys. Please, I'm begging, someone fix this.