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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, V, XXXX ; XXXX, XXXX, XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9300.00} ; XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX  XXXX Balance Owed : {$660.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$62.00} ; XXXX XXXX  XXXX Balance Owed : {$740.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I currently have a HELOC with Shellpoint Mortgage Servicing. I am wanting to pay off this loan and when I go to the company website it allows me to obtain a payoff as of the current day. When I do that It shows a principal balance of approximately {$27000.00} and interest due of {$500.00} with a per diem of {$6.00}. The amount of interest due of {$500.00} is roughly 72 days of interest. I make a payment on this loan every month in an amount that exceeds the interest due and the difference goes to principal. I have never missed a monthly payment so do not understand how I could possibly owe over 2 months of interest at the payoff. I have called the company several times and they can't give me an answer except to tell me to e-mail them. I have done this but still have not got an answer. 

I just want to get this paid off but I don't want to pay more interest than is due.
Product: Credit reporting or other personal consumer reports

XXXX 's XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the information is, in fact, inaccurate.

15 Usc Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX XXXX, or both.

15 Usc 1681n- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed with a third party Lexis Nexis on a Bankruptcy that they claim was verified through their office. I sent them a letter asking to have the bankruptcy information verified. I received a letter from Lexis Nexis stating that Bankruptcy record # XXXX was verified through another third party name XXXX. 

I have a letter from the Eastern District Court Clerks office that they " the court '' does not report, validate or confirm bankruptcy case filings to credit bureaus. But yet Lexis Nexis states that they were able to validate with XXXX another third party and not the actual court who would be the original creditor. Furthermore you have failed to provide the method of verification as requires under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " Promptly DELETE all information which can not be verified. '' I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

As a large company Lexis Nexis has been allowed to bully the consumer with falsely selling information to companies like XXXX and XXXX   and they have partnered up with XXXX. Consumers rely on credit to purchase homes and to obtain anything that they may need for daily living and companies rip consumers apart with their lies. 


Your attention to this matter is greatly appreciated
Product: Credit reporting

EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, XXXX. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX XXXX. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

5. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report. 
Cessation of any negative reporting related to these fraudulent accounts. 
Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021, I received an email saying XXXX was charging me some fee for buying something when i didn't buy anything. So I called the toll free number on the email and a person answered. They said log into your account and we can return your money back costing {$9000.00} as soon as I logged into my account thinking they will reimburse me, instead the people online were transferring money from my credit card to a XXXX  account. Once I made a complaint with Wells Fargo of what happened, they didn't acknowledge the complaint and said it was my fault and it's my responsibility to pay it. I told the bank ( fraud department ) of what happened and I told the bank XXXX fraud department ) didn't authorize anyone to transfer money nor I didn't know who was all transferring the money or where it was being transferred to. 

XXXX XXXX, I went back to Wells Fargo and reported fraud. Although the department once again denied me because they said since the transfers happened within my online access... the bank says it looks like i authorized it to whomever but I even told Wells Fargo, I don't know them and why would I report my own fraud ... .I wouldn't report fraud. I seriously dont know who did the transfers. I am vey dissatisfied with Wells Fargo,
Product: Debt collection

I have recently been made aware of a collection notice regarding a {$170.00} charge on my XXXX account. I dispute this charge for the following reasons : Over XXXX years ago, during discussions with XXXX, it was agreed that these charges would be dropped. I canceled my subscription in XXXX, but the cancellation was not honored, and I continued to be billed until XXXX ultimately agreed to remove the charge. I have attached documents that clearly show the account closure date and demonstrate that any further charges are not valid. 

Additionally, I never received the required written validation notice for this debt. 

Please confirm in writing that you have taken these actions. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Although I made regular payments for a year and a half, Portfolio Recovey would not negotiate a settlement. When I tried to set up a payment plan, they refused any form of payment except getting my bank account number. I have since increased my payments, but thy did not send me a record of the last delinquent date XXXX XX/XX/XXXX ) in writing as they said they would. When I disputed this account being on my credit report for over seven years, Portfolio Recovery gave the credit reporting agency, XXXX, updated data which extended the credit reporting date to XXXX. Portfolio Recovery did not notify me about the data. I believe they are using unfair practices to get me to pay, which I have always been willing to do.
Product: Checking or savings account

Last year on 2022 my wallet was stolen and my debit card and all my information was stolen.my debit card was used several times until my whole funds were gone, I contacted Wells Fargo theft and fraud about my situation and si if they can help me recover my money back. So the agent for the Wells Fargo told me shell help me resolve the problem but instead of calling or talking they sent me a letter saying that my account is closed and that I had to pay for the fees and whatever was stolen that that was my problem they told me that they think I was the one that used the card.I called them back and they told me the same think that bank account is closed and that I had to pay for everything that theres nothing that they cant do, Im very disappointed on Wells Fargo customer service and the agent so I still want to receive my {$2500.00} that was stolen this happened before the XXXX holidays I was left with no money and very mad about the situation they told me that they couldnt help.
Product: Credit card or prepaid card

On or about XX/XX/2019 my AMEX card was scammed by individuals working as independent contractors for several businesses in XXXX, TX. My wife, an authorized cardholder on the account, notified AMEX of suspicious and out of pattern behavior which included police notification at the time. AMEX noted the information but refused to cancel the card. AMEX has consistently refused to provide any reason pursuant to law or internal policies to justify why the request was minimized or ignored. Their published Security and Safety policy contradicts this. Ultimately the individuals who failed to identify themselves as agents of these businesses succeeded in authorizing the card for XXXX dollars in a 36 hour period. Furthermore, the card limit of XXXX dollars was exceeded by XXXX before the card was shut down. The individuals also lifted the information fraudulently from one of the businesses in question and purchased goods online exceeding XXXX dollars. AMEX has refused to provide information as to why the decision was made to allow the card to remain active or why the card was allowed to reach 150 % of it's limit. I have been adversely affected in every area of my life and my previous credit score that was around 800 has dropped roughly 150 points due to this activity. I feel this is a misrepresentation of their Security Policy as well as the stated card limit. Their failure to take the risk seriously although being advised by an authorized cardholder in conjunction with allowing the card to exceed it's limit when I do not have a pattern of such purchases is a complete failure of reasonable security measures independent of the circumstances surrounding the scammers actions. They have refused to even provide the account number, demonstrating intentional acts to deny me the ability to assemble a defense for the activity. The charges make no sense to any reasonable person and I feel AMEX is covering up their own internal security failures. Their cardholder profile allowed the charges to run, by the time they implemented any measures, massive damage was done, the intent of the scammers. This is not actions any reasonable person would define as appropriate and I will not pay the amount because a supervisor made a poor judgment call. 

The charges for XXXX XXXX involve individuals connected to organized crime who threatened to blackmail me, threatened me if I disputed charges, and threatened my family with violence. I will not pay these charges, full stop, period. AMEX has all the paperwork and reports and the scammers on audiotape.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Experian has XXXX/XXXX XXXX XXXX XXXX has on my credit file wrong information as to amount owed on the loan. 

Experian has XXXX/XXXX XXXX XXXX XXXX showing incorrect late payments and errors on my Experian credit report I have provided the original amount of the loan and a letter showing there was no delinquency information to the credit reporting bureaus. 

It seems Experian gather information base on errors and incorrect way they gather information to this account as to delinquency in Experian errors. 

XXXX was the servicing company not the loan originator/owner of the loan was originated from XXXX XXXX XXXX XXXX loan documents showing loan amount & Credit information provided stating they did not report delinquency information to credit bureaus.
Product: Credit reporting or other personal consumer reports

These inquiries was added without my knowledge Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I included dates from XXXX, XXXX XXXX  to XX/XX/XXXXXXXX  of inquiries that I did not have dealings with. I am a victim of fraud and with the FCRA Section 605B ( 15 U.S.C 1681c-2 ). 
Please investigate this matter, and under the FCRA, I request that you immediately remove this fraudulent account ( s ) and Inquiries from my credit report. If necessary, I am available to provide additional information to facilitate your investigation. 

Thank you for your attention to this urgent matter.
Product: Credit reporting

XXXX has placed mortgage loan on my credit account number ending in XXXX this belongs to my father at the same address. I have asked several times for it to be removed. All three credit agencies refuse to move the information. yet fail to provide me with any validation of the loan. Recently, I sent each agency documents showing the loan ending in XXXX was not my loan. That I had another loan with my father ending in XXXX ... I sent them copies of the original documents of both loans.. They still refuse to remove the XXXX credit from my file and still provide no hard evidence as to why. I have been sending letters since the beginning of XXXX. To both the credit agencies and to XXXX XXXX XXXX and I am getting no where. Transunion - Dispute Results From TransUnion TransUnion received your request on XXXX XXXX, 2016 and completed their investigation on XXXX XXXX, 2016. Please review the results carefully. 

Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

Account Name Account Type Open Date Status Balance XXXX Mortgage This is at least the third time I have disputed this information with Transunion especially and with XXXX XXXX XXXX as well. Where do I go from here..
Product: Credit reporting or other personal consumer reports

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe thaXXXX XXXX XXXX XXXX securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 


These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.
Product: Payday loan, title loan, or personal loan

I got a personal loan in the amount of {$27000.00} from Discover Bank on XX/XX/2022 to refinance an existing loan with XXXX. Discover Bank disbursed the payoff amount of {$26000.00} in form a check that was mailed to XXXX XXXX via XXXX on XX/XX/2022. I received {$20.00} as direct deposit to my checking account. 

When I called XXXX on XX/XX/2022 to inquire about the payoff, the phone representative told me that it takes up to XXXX business days to receive a mailed payment and to check back with them next week. When I called Discover Bank the same day, they told me that the payment had been mailed but the check had not been cashed yet and advised me to wait the XXXX business days before inquiring again. 

When I called XXXX on XX/XX/2022, I was told that no check had been received, but it would take another XXXX business days from receipt of the check to posting to the account due to the processing system they have in place. So check back with them in XXXX  days. I called Discover Bank the same day to find out what had happened to the check for the payoff of my loan and they told me that the check had in fact been cashed on XX/XX/2022. They told me to get the fax number for XXXX XXXX so that they can send proof of payment. I called back XXXX XXXX, told them the check had been cashed according to Discover, but the rep insisted that nothing had been received yet and gave me the fax number to sent the proof of payment. I called Discover again, gave the the fax number and they sent the proof of payment to XXXX XXXX on XX/XX/2022. I was also told again to wait another XXXX business days to let the process be completed by XXXX XXXX. 

When I called XXXX XXXX and Discover Bank on XX/XX/XXXX, neither XXXX of them was able to give me an update on the missing check/payment. XXXX XXXX insisted that they had received nothing and Discover Bank insisted that the check had been cashed. When I asked Discover Bank to start the retrieval process they told me to wait another XXXX  days. 


When I called on XX/XX/XXXX XXXX XXXX still claimed that they had not received the payment or even proof of payment. Discover Bank finally agreed to start the retrieval process, but told me that they might not be able to get the payment back and that I would be responsible for the now missing {$26000.00} although the money was never sent to me, but XXXX XXXX.
Product: Money transfer, virtual currency, or money service

This company are ignoring the crimes reported to them such as blackmail, exploitation, money laundering and fraud. XXXX XXXX  who are posing to be con artists actively engage in felonies on XXXX  in which they blackmail, fraud and exploit people, to the point where they constantly promote it. Venmo doesn't suspend these accounts which goes against there community guidelines and federal laws. I'm pretty sure these XXXX XXXX  aren't notifying there IRS about the illegal money the make through blackmail. Stuff like this needs to stop. Companies need to have some accountability and responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 

Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 

Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Product: Credit reporting or other personal consumer reports

Nelnet transferred my account to XXXX in XXXX. It was paid off at XXXX in XXXX. XXXX is reporting this paid. But Nelnet is still reporting on my credit report a balance. My Nelnet account shows XXXX balance, Ive disputed this twice with XXXX and XXXX, but Nelnet has confirmed my balance twice now. 

Ive called Nelnet a few times and gotten different suggestions. After a longer investigation Nelnet could not solve this and referred me to you.