23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased goods from a person who was going to send the product to me via shipping. When I received the goods it had turned out to be fraudulent goods, they were fakes of the real goods. The person knowingly advertised the real item, providing photos and everything of a real version of the item, and then proceeded to send fake versions. This totaled {$360.00}. I went ahead and started a dispute with my bank since this is clearly fraud, Wells Fargo gave me my case number and informed me they started the process. Not only have I received no update on the matter, if I go to my account the status of the case says CLOSED. I have received no emails, calls, or texts of them asking for any more information on the matter or the fact that they closed the case. 

Payed for Goods : XX/XX/XXXX Opened Claim with Wells Fargo : XX/XX/XXXX Claim ( According to me finding out without notification ) Closed : XX/XX/XXXX Nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX CARD XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my EXPERIAN XXXX  AND XXXX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX  has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Is theft I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. it is the result of identity theft. 

Wells Fargo card service account # XXXX please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX Experian Are all reporting false information of collection accounts from collection agencies I never did business with these collection companies has no documentation with a signature from me this is false reporting wish us against the law Im requesting that they are removed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 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 a account without my written instructons 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 tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 modity accounts tat isnt reporting correcuy. 15 U.S.C 1681 section 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 a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX ACCOUNT LISTING ON MY REPORT WHICH IS WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated with 4 employees at Experian because I have a Credit Check account through XXXX. I got divorced and my last name changed, which is changed at XXXX but not on my Credit Check account. I called simply to change my name and provide whatever is needed in terms of documentation. 
Employees were not aware of relationship with XXXX, could not locate my account and did not offer or provide any method for me to correct my name on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit report.
Product: Debt collection

I filed a complaint with the CFPB on XX/XX/2023 against OneMain Financial because an alleged agreement we entered into was not fully disclosed to me so that I understood every right afforded to me as a consumer in the consumer transaction. They responded through the CFPB on XX/XX/2023 stating that the matter was being investigated. Therefore, pursuant to 15 USC 1692g all attempts to collect any alleged debt should cease. I received a statement which is attached to this complaint with the amount of an alleged debt and late charges as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Experian not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. Information for this account has not been verified as it is inaccurate/Inconsistent meaning this account legally must be removed. I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. The account found in violation is XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX **XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverified information on my credit report. Despite my formal dispute, Experian has not conducted a proper reinvestigation nor provided adequate verification of the disputed information, in violation of federal law. 

Details of the Complaint : 1. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items within 30 days. I submitted a dispute regarding inaccurate and unverified information on my credit report, yet Experian failed to provide proper verification or remove the disputed items.

2. Retention of Unverifiable and Inaccurate Information According to 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or can not be verified must be promptly deleted or corrected. Experian continues to report unverifiable and incorrect information on my credit report, despite my request for validation.

3. Failure to Provide Documentation Supporting the Accuracy of Disputed Items Per the FCRA, Experian is obligated to provide supporting documentation verifying the accuracy of disputed accounts. However, I have not received any legitimate proof that the negative accounts in question have been properly verified with the original creditors.

Requested Resolution : I am requesting that the CFPB take action to ensure that Experian : Conducts a thorough and reasonable reinvestigation of the disputed items in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Removes all inaccurate, incomplete, and unverifiable information in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

Provides me with clear documentation verifying the accuracy of the disputed accounts, as required under the FCRA.

Faces appropriate regulatory action for its failure to adhere to consumer protection laws.

Experians failure to comply with these federal requirements not only damages my creditworthiness but also violates my rights as a consumer. I urge the CFPB to investigate this matter and ensure that Experian upholds its legal obligations under the FCRA. 

Thank you for your time and attention to this matter. Please let me know if any additional information is required. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, DEPTEDXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 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.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - L XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 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

I have been in contact with the loan Holder and they are refusing to take my payments and never provided information on a loan repayment plan. I received a letter XX/XX/XXXX I have until XX/XX/XXXX to cure the loan. How can I cure the loan whrn they refuse to take my payments? 
I have left numerous messages for a supervisor and no return calls. I am on the phone now with a XXXX who has had me on hold for 30 minutes. With no resolution. 
The company is BSI Financial Services in PA.
Product: Mortgage

1. PROPERTY TAXES. Since XX/XX/XXXX, I have made multiple phone calls to Newrez ( and I've sent emails and uploaded requested documents ) asking Newrez to pay our XXXX property taxes. My husband and I have about {$15000.00} in our escrow account and our property taxes are roughly {$2500.00}. During the phone calls, I notified Newrez that I received a delinquent property tax notice from XXXX XXXX and that every month the county is adding on hundreds of dollars in penalty and interest. On two separate occasions, I have provided Newrez with a copy of that delinquent notice. 
I sent Newrez another email on Monday of this week asking how there could be this much delay and why was Newrez risking the loss of its collateral. Yesterday, I received an email response back stating ( for the first time ) that a company called XXXX takes care of Newrez 's tax problems and that it is XXXX that is causing the delays in resolving this matter. 
2. EXCESS ESCROW FUNDS. Since XX/XX/XXXX, Ive requested that Newrez return over {$10000.00} in excess funds that my husband and I paid into our escrow account at closing. I have had many phone calls with various Newrez representatives and, in response, Ive received several different answers about the return of our escrow funds, including that : the law does not permit Newrez to return our escrow funds until XX/XX/XXXX, the law allows Newrez at its sole discretion to keep our escrow funds and to adjust our monthly mortgage payments however it sees fit, Texas law requires Newrez to return excess escrow funds in XXXX and our money should have been refunded already, and the debacle with our property taxes has already triggered an escrow analysis which is required to be completed within 2 weeks, at the conclusion of which our excess escrow funds will immediately be returned. ( That phone call took place more than a month ago and I was told the lady I was speaking with was a Newrez supervisor. ) In my phone conversation with a Newrez escalation agent that has been assigned to my case, I was advised that an escrow analysis has not been started and might not be. The agent did say that if an escrow analysis is performed, the analysis will indeed require an immediate refund of our excess funds. 
3. THIRD-PARTY PROPERTY TAXES. Several Newrez reps have told me that last XXXX  Newrez took some of our escrow funds ( about {$800.00} ) and paid a third partys property taxes. That money has yet to be returned to our escrow account. 
4. HOMEOWNERS INSURANCE. I checked with XXXX last week and they said Newrez failed to make our XX/XX/XXXX homeowners insurance payment. After I brought this to their attention, Newrez paid the insurance premium this month. 
5. NEWREZ BANKRUPTCY. In my last phone call with Newrez on XX/XX/XXXX, I asked ( because of all of the above unusual occurrences and the conflicting information Ive been receiving from Newrez ) whether Newrez was in bankruptcy or about to be in bankruptcy. I was advised the company is in good condition and not in bankruptcy or preparing for bankruptcy.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed info on rny credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed my fraudulent XXXX XXXX account.