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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/EMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX
Product: Credit card or prepaid card

I have lost income and had to move twice due to XXXX XXXX. I was not able to pay my credit card bills because of this. I called and asked for help. I was told the only option they have is a payment plan, but I have to pay the day I sign up. Since then I have been repeatedly called and harassed by American Express, receive threatening emails informing me my credit will be ruined, and they have even called my mother at her home in another state. Just today I received a threatening email informing me they will be reporting me to the credit bureaus. I pay my bills normally but because of XXXX  XXXX, I be had to move ( roommates became unemployed ) and I lost part of my income. This treatment is vile. They know and they just want to hurt people.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX XXXX  - XXXX # : XXXX - Balance : {$430.00} Company Name : XXXX XXXX - Acccount # : XXXX - Balance : {$8500.00} Company Name : XXXX XXXX - XXXX # : XXXX - Balance : {$9100.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

To Whom It May Concern : I am writing to file a complaint about certain business practices of Wells Fargo Bank and to alert you to what I believe are unfair and deceptive practices at best, and fraudulent at worst. 
I maintained a personal deposit account with Wells Fargo. I also operated a small business and had credit cards and a business line of credit for the corporation that was operating the business. The name of the business was XXXX XXXX XXXX XXXX 
The business suffered losses as a result of the Covid pandemic and became past due on its credit cards and business credit line. Wells Fargo charged off these debts then proceeded to set off the corporate obligations against my personal deposit account that I had set up for my son 's college education. Wells Fargo applied $ XXXX the credit cards and {$32000.00} to the business line of credit. 
I contacted Wells Fargo since I knew I did not sign a personal guarantee. Wells Fargo produced an agreement for the credit cards that had guarantee language buried in it in small type on page 5 of 6 called the Business account application. No signed document or computer record of an electronic agreement was produced for the set off applied to the credit line. I asked an attorney to contact Wells Fargo and obtain any document or computer record that would create a personal obligation on my part. After several attempts the attorney was unsuccessful in obtaining any information. 
I can not afford an attorney to sue Wells Fargo and it now refuses to respond to inquiries saying the case is closed. 
How can Wells Fargo say I am personally liable on a corporate obligation and then fail to provide any support for that position, but still proceed to take my money? I know I did not sign any guarantee document for the business credit line but Wells Fargo took the money anyway and now refuses to provide any document or computer record to show I had a personal obligation. I also believe burying guarantees in the credit card agreement is deceptive. An individual should be made aware of the rights the person is surrendering. Attached is a copy of the credit card agreement. Also attached are copies of the letters sent to me to let me know Wells Fargo was taking my money. 
I am hopeful you will look into this improper, if not illegal, conduct of Wells Fargo and assist me in correcting the matter. 
Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Mortgage

Our client XXXX ( XXXX ) XXXX applied for a short sale through Nationstar in XXXX of 2014. We have had XXXX offers to present to them since the beginning. Instead of reviewing and submitting offers to the investor they continuously put the home on an Auction website called XXXX to solicit for other offers. This is a scam for Nationstar to continue to milk the servicing of this loan and eventually foreclose. They have not received any better or higher offers and they have scared away every buyer we have had by asking them to pay the full offered price plus 5 % on top for a service no one wants to use. Why would a Buyer we have already procured go and bid on a home and pay more for the house? Whats ends up happening is they offer less to make up the difference in the cost. In addition XXXX sets the opening bids low and congratulatesBuyers when they " win '' the Auction. Then the bank turns around and tell us the bid was too low and the investor rejected the offer. We asked that they stop this useless practice and look at the offer at hand, they refuse. They have been sued in the past by other parties because of their fraudulent practices and we are asking that you reach out to them and request they take this matter very seriously. They are wasting the sellers time, every buyer who has come along, our time and the time if their investor. Thank you for your assistance!
Product: Mortgage

Due to a reduction in hours in both incomes from the COVID-19 outbreak control and temporary wage garnishment from a student loan ( now paid, just waiting on everyone to be notified ) we are late on our XXXX mortgage payment. I called 21st Mortgage to not apply a late fee, I will have a full payment by the first week of XXXX to send to them. They flat out refused to not apply the late fee if I do not make the full payment by Friday, XX/XX/2020. I'm not asking them to skip a payment or even a reduction in payments at this time. I'm asking them to not apply a late fee or report the issue to the Credit Bureau. I don't think that's asking for much. They were flat out refusing to work out the issue.
Product: Credit card or prepaid card

Identity Theft at Great American Finance Company opened a {$3000.00} revolving credit account in my name in XX/XX/2022 and I found it when checking my credit score in XXXX.
Product: Checking or savings account

I was a victim of loan fraud back in XXXX and have opened many investigations into such trying to get my money back. USAA gave me a provisional credit while they processed my investigation and then before I had the opportunity to provide all documents to show them the validity of my complaint closed the investigation and took the credit back. This left my account with a serious negative balance and any transaction that processed after the fact I was charged NSF fees for putting me further behind. I had to open a new bank account so I could pay bills and provide for my family. I get VA benefits sent to this account and changed the account information, but not before the VA processed a deposit. All of that money went this account which essentially is lost to me and we were out another {$260.00} on top of the {$680.00} plus all the NAF fees that have incurred. I contacted the bank asking for that money back as we are already struggling with Covid and loss of hours. USAA basically ignored my request to send that money back to me as well as any request to break that {$680.00} up from that credit so I might keep my account open and put food on the table. I requested assistance with stop payments, put a freeze on my debit card, and requested my whole account be frozen as I am still investigating fraud. Clearly USAA ignores my request and have been charging ridiculous fees and keeping any and all deposits or refunds that have been processed. My benefit money is used to assist with my bills and we are desperately struggling with all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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: Debt collection

On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reportings on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The accounts are XXXX XXXX XXXX in the amount of {$140.00} XXXX XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$0.00} XXXX in the amount of {$340.00} XXXX/XXXX XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$980.00} These need to be deleted immediately for not following FCRA rules and regulations in a timely manner. These debts have never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Product: Credit reporting or other personal consumer reports

Hello My account is paid off but It is not removed from my credit report. I would like it removed, to enhance my credit score. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Accounts on my credit report that is Not mines. 

Account # XXXX XXXX XXXX is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXXDealership could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for $ XXXX. 

Account # XXXX XXXX XXXX is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very stressed out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX, XXXX XXXX Bank made a digital transfer of {$10000.00} to Barclay Bank Delaware. The XXXX XXXX statement dated XXXX XX/XX/XXXX - XXXX XX/XX/XXXX reflects a transmission date of XXXX XX/XX/XXXX and a posted date of XXXX XX/XX/XXXX. Barclay bank statement dated XX/XX/XXXX - XX/XX/XXXX shows receipt of funds on XXXX XX/XX/XXXX, and declared a XXXX balance on the Barclay credit card. The following month 's statement, showed the payment, but the account balance was back to the amount as if no payment had been received. Barclay declared that the digital transfer of funds was being treated as provisional. Since that time Barclay has insisted that no payment transfer has been received and that I have to provide all digital transfer information as proof of payment. 
Starting in XXXX, I provided copies of my XXXX XXXX Bank statements to Barclay and was informed that they were not good enough to provide proof of payment. Numerous attempts have been made to fax Barclay Bank digital information. I am attaching a chronological sequence of events of all contact with both Barclay Bank and XXXX XXXX showing the numerous phone calls and interactions that are still on going.
Product: Debt or credit management

Attempted to pay on my mortgage loan this month of XX/XX/2023 but have not been able to. After further review as to why all areas to my account was not accessible I found out that lake view loan services was down due to XXXXXXXX and continues to be shut down. I was never informed via email to better keep personal information secured. XXXX has a responsibility to its clients to immediately notify them of any security breach. I should have been notified in case our banking information, SS #, or any other PII was leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.
Product: Credit card or prepaid card

Company advised me that they closed my accounts due to a XXXX XXXX bankruptcy, however, I have never filed for bankruptcy. There isn't a record of bankruptcy that is associated with my name or social security.
Product: Checking or savings account

XXXX XXXX XXXX bank atm took {$110.00} cash deposit, gave an error message, and did not give me a receipt or credit the funds to my checking account. I opened a dispute with the bank on the morning of XX/XX/XXXX. I have made multiple phone calls every day since the XXXX trying to get my money back or my account credited. Not one person has been able to tell me where my money is, nor has my account been credited. Since this was an error on the banks end, not my own, my funds should have been credited to my account the day I reported the stolen deposit. Every single person I have dealt with at the bank dispute department has been openly rude and careless. Photo attached is of the exact atm in question approx 1 minute after the theft occurred.
Product: Student loan

Hi, I suspect that my consolidated student loan with Navient is not being serviced correctly, which is causing me to pay more in interest. Specifically, the Navient website does not allow me to apply principle payments specifically to the unsubsidized portion of my loans. Also, I suspect that my payments on loans that are in deferment due to my graduate student status are being applied as refunds incorrectly. I do no know exactly how this is suppose to work, but I am noticing " accrued interest '' charges even though I am paying principle and interest on time. I have tried to contact Navient via the customer service feature on the website, but have received no reply. 
Thank you for your work looking into this!
Product: Debt collection

On XX/XX/2019 I received a call from an associate of XXXX XXXX XXXX  ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ).
Product: Payday loan, title loan, or personal loan

I received their check in the mail XXXX 2020. Short on funds, I moved forward with this loan. 
I paid the total amount off in XX/XX/2020!! I spoke to XXXX back then and arranged the payoff. They have called me a few times asking if I needed funds since then. I declined! 
Today I get a call from XXXX again telling me I had a {$40.00} balance!!!! In which I replied with whatever and hung up. This is a scam!!! I dont owe them a dime!! 
I have not heard from them other than offering me a loan, in months!!!! Because I paid it off!! 
These people are drumming up charges that I dont owe and I want that {$40.00} balance removed immediately!!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX CARD Account Number : XXXX Date of Charge Off : XX/XX/2019 Amount : {$770.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 


I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on fie for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

Creditor Name : XXXX XXXX XXXX  - {$6400.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

I have previously sent PORTFOLIO RECOVERY ASSOCIATES a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges that PORTFOLIO RECOVERY ASSOCIATES claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation
Product: Checking or savings account

I ordered merchandise over 13 years ago. I filed a claim with wells fargo when I had the account. The amount was XXXX I believe or somewhere in that range. 13 years later they were audited and found that they owed me my money back. After 13 years of holding onto my money, they sent me a check for XXXX cents which if I owed them any money they would be charging me interest every month like nothing until paid. So why after XXXX do they get to walk away with a slap on the wrist I am not okay with this and I told the branch manager in XXXX XXXX same thing this is not right.