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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXX MIDLANDCRE XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX WEBBNK/FHUT XXXX - XX/XX/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 XXXXXXXX XXXX {$910.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX, XXXX XXXX XXXX XXXX, NM XXXX INQUIRIES NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS NOT RECOGNIZED UNEMPLOYED 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

WELLS FARGO PROPERTY LOSS DEPARTMENT IS ILLEGALLY HOLDING FUNDS THAT DO NOT HAVE ANYTHING TO DO WITH PAYING MY CONTACTOR. THEY LOST THE CHECK FUNDS SENT bY MY INSURANCE COMPANY FOR {$2700.00} XX/XX/XXXX. MY AGREEMENT WITH THE CONTRACTOR IS THE INSURANCE COMPANY PAY THE {$2700.00} AND I PAY THEM THE REMAINDER ( {$1900.00} ) OUT OF POCKET. WELLS FARGO PROPERTY LOSS RECEIVED MY RECOVERABLE DEPRRECIATION CHECK FOR {$5200.00} THAT WAS SENT TO ME. NO CONTACTOR IS OWED FROM THIS AMOUNT. INSTEAD OF CORRECTING THEIR BLUNDER AND HAVING THE INS.CO. REISSUE THE {$2700.00} CHECK THEY ARE TRYING TO ISSUE THE RECOVERABLE DEPREC. CHECK TO ME AND MY CONTRACTOR. THIS IS ILLEGAL. THEY ARE TRYING TO CHANGE/USE FUNDS THAT HAVE NOTHING TO DO WITH THE CONTACTOR AS THOUGH ITS ALL THE SAME. THE CONTRACTOR TOTAL BILL IS FOR $ XXXX-XXXX ins co = XXXX that i owe out of pocket and agreement between me and the contractor at installation.this action is fraudulent illegal. wells fargo once again has over stepped their authority making rules robbing consumers they don give a XXXX about. they have place money in a restricted account that was not intended for that purpose. the insurance ADJUSTER and wells fargo employees ME told the recoverable depreciation was something i had to get form the ins co. by sending a certificate of completion that was done. they told me the mortgage com. didnt have anything to do with the rec/depri. but now they are trying to steal these funds from me. They have refused to let me speak with management in this department stating no one handles my claim its randomly processed with no one person. so everytime i call its always something different an all lies i 'm tired of being victimized
Product: Credit reporting, credit repair services, or other personal consumer reports

name that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number 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 address is not right : XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX NO ADDRS XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX APARTMENT COMPLEX XXXX XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY sen wrong : SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong numbers ftc violations : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX no spouse : Spouse or Co-Applicant Select as many as apply XXXX employer wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for the SAVE program XX/XX/XXXX. They ( MOHELA ) denied SAVE program XXXX XXXX. They will not say why or give me any information.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX  XXXX NA inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX XXXX CO inquire date XX/XX/XXXX XXXX OF XXXX inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, Comenity encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. Comenity Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although Comenity claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, Comenity admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, Comenity acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from Comenity Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. Comenity attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, Comenity insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from Comenity, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

Comenity 's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Product: Credit card or prepaid card

XXXX continues to report an account to my credit report that was in previously opened and charges made without my permission the account was included in a Bankruptcy filing due to prior Id error the account was removed and added back to my credit file without prior warning
Product: Credit reporting or other personal consumer reports

There should only be one name and one address on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Experian and requested that they remove personal disputes that I created from my credit report so I can purchase a home through an FHA loan. I was told the six times that I called Experian that the disputes were deleted from my credit file upon checking those disputes are still on my credit report and Im in the process of closing on a home. Its currently in underwriting. The creditors that had disputes on them were university XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I checked, I had a new dispute which I did not request on XXXX  XXXX. My request was to remove all personal disputes from my credit file as this is preventing me from going forward on an FHA mortgage I called back in XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so forth it is XX/XX/XXXX now and those are still reporting on my credit report, I feel like I have been lied to multiple times by multiple customer service agents stating that its been removed multiple times I was told that it would be removed within 24 to 72 hours hence they made a new dispute on XXXX  XXXX so theres a couple creditors that need to be removed as disputes. I pay as agreed on these accounts. I agreed to the terms of the accounts and I no longer dispute those accounts are in dispute. I no longer disagree with the outcome.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information Due to Identity Theft Dear [ Collection Agency Name ], I am formally requesting the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Corrections to My Credit Report Full Legal Name Please ensure that my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address that should be listed is : [ Insert Correct Address Here ] I can not receive mail or correspondence at any outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses. 
Phone Numbers Please delete all outdated phone numbers currently listed on my report. 
Social Security Number & Date of Birth For privacy reasons, please ensure that my Social Security number and date of birth are not displayed on my credit report. 
Employer Information Please remove all employer information currently listed on my report. 
Data Breach & Failure to Protect My Information I was impacted by a data breach with AT & T, which resulted in my personal information being compromised. As a direct consequence, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 
Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple federal laws, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 
Disputed Accounts & Inconsistencies I am formally disputing the following inaccuracies on my credit report, as they contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies indicate identity theft and/or reporting errors that require immediate investigation and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   ) XXXX ,
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date
Product: Debt collection

I been notify that my credit has been decrease becouse i got report from synchrony is charge me {$21000.00} when i did not made any transaction. 
i have proof about my information has been hack and use for identity theft. 

i want get help becouse i m not going to pay becouse i did not autorized any of those charged. 

i dont have money for pay that much. 

attach i have some document from my phone company and from experian report. 



XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Mail fraud I am using this to report on-going chain mail fraud and harassment mailing ( see attachments XXXX ) all Wells Fargo correspondence is sent via electronic means. I dont receive or have approved any mailings. See below. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. Under zero circumstances any correspondence is to be shared with XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX or any other attorney 's of XXXX, XXXX, XXXX. 


-Logos on the envelopes are ill placed and the lettering is not appropriately sized -They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
XXXXThe Watercolor logo is not embedded, but printed. 
-Addresses keep changing -Black and white not in color as per the general Wells Fargo mailing -Cheap paper -Double sided printing
Product: Credit card

On XX/XX/XXXX, a credit inquiry was made using my personal information in an attempt to open a Chase bank card. This inquiry resulted in a XXXX point reduction in my credit score. I was alerted to the inquiry through my XXXX XXXX service. XXXX  XXXX connected me with XXXX. XXXX placed a fraud alert on my credit report and sent me the Identity Theft Resolution Kit. I am trying to get this inquiry removed and my points restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW. 
I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, opened an investigation with XXXX  XXXX  for a debt reporting from LVNV FUNDING LLC {$15000.00}. The dispute was closed with no further details. I call XXXX XXXX and they had no further details either but they did provide me with a contact number. I called LVNV FUNDING on XXXX XXXX at XXXX asking for details of debt. I was told the debt was for a Business account XXXX XXXX XXXX XXXX XXXX. I then asked for them to send validation or details in writing. I was then referred to their website. Why is this business account being reported to my personal credit and why cant I have written validation via mail?
Product: Checking or savings account

On XXXX XXXX XXXX A charge for {$1300.00} was made fraudulently by somebody. I submitted a claim, they reimbursed me and change the account number. Clearly something happened where my information was compromised. Now theyre saying that I am going to have to pay for this. They will not give me any information other than it was a XXXX soccer game in XXXX XXXX. I was not in XXXX XXXX. I did not make this charge. I live in XXXX XXXX and theyre saying that this is going to take place in XXXX days and theres nothing they can do and will not provide any information. The reference number is XXXX.
Product: Debt collection

On XX/XX/2021 I sent a letter to cease and desist. On XX/XX/2021 I receive a letter on attempting to collect on an alleged debt
Product: Credit card or prepaid card

In XX/XX/XXXX, I accepted a promotion offer from American Express " Amex '' Cash Magnet cards stating that " after you spend {$1000.00} or more in purchases with your new Card within the first 3 months of Card Membership. You will receive the [ {$150.00} bonus ] cash back in the form of a statement credit ''. I completed the application with a live Amex representative and was approved over the phone. 

So I charge more than {$1000.00} to the card when I called Amex XXXX and asked for my {$150.00} bonus credit, I was told that I am engaging " gaming '' because I have a Gold XXXX XXXX cards which I opened about 4 years ago and there was not enough activity on the XXXX XXXX ( I was told I did not use that account that much ), therefore, I will not receive the {$150.00} bonus. More importantly, I have no idea Amex using the word " gaming '' in which it is hard for any person to understand. 

However, I have been paying the {$95.00} annual fee every year for the last four years and Amex has no problem billing for the fee. 

I was an Amex card member since XXXX and I am surprised Amex will treat me like I was some type of dishonest person. 

Therefore, I feel I was tricked into this sign-up bonuses after I have spent the {$1000.00} on the card.
Product: Credit reporting or other personal consumer reports

Submitted Disputes to Experian for several late payments that appeared incorrectly on my credit report. I submitted a complaint for each company to remove the incorrect late payments and to update my accounts as up to date/no late payments. I noticed that each of my disputes, although for different companies ... .all have the EXACT SAME report number of XXXX XXXX and none of the accounts were ever updated to PAID AS AGREED/NEVER LATE. I know that Experian never even investigated any of my disputes. I request to have all of my accounts that i disputed to be updated immediately to PAID AS AGREED/NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. My information was exposed in the XXXX XXXX breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent hundreds and hundreds of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!
Product: Credit card

They illegally went into my account and took {$250.00} for a {$40.00} bill. They are giving me the run around and saying they will send a check then I call back to confirm and they never sent said check.
Product: Credit card

I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me at all.