23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX MST, I called Equifax due to a discrepancy on my account for my name. I had a legal name change in 2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. I am in the process of buying a house and need to have my credit accounts straight. They gave me a fax number and I had faxed Equifax by XXXX with my drivers license and social security number that morning. The representative told me that the documents would be received in 3-5 business days and that it would be processed in up to 5 days. 

I followed up with a call on XX/XX/XXXX at XXXX MST. The representative said that no documents were received. I called again on XX/XX/XXXX at XXXX MST. This time the representative made me use an application were I used my drivers license ( with my current name XXXX XXXX XXXX XXXX and take a picture of myself. He said that he could not verify my ID and could not tell me why. I ended the call. 

On XX/XX/XXXX at XXXX MST I called again. The representative said that they discontinued fax services. The fastest way for me to submit a change was through mail. 

Around XX/XX/XXXX, I mailed the documents to the address listed on their website. My lending agent informed me that we would not need the Equifax credit score for my report. 

However, when my lending agent pulled my score around XX/XX/XXXX, it populated on XXXX ( the credit reporting system ) as " Fraud Reported by Consumer. '' I called Equifax customer service again on XX/XX/XXXX at XXXX MST. The representative informed me that there was no fraud reported and that they could review under my previous name. My lending agent was not able to. They also informed me that they had not received my documents. 

On XX/XX/XXXX at XXXX, I gave Equifax customer service a call. At around XXXX, I also digitally uploaded the files and created a dispute. I received a call back at XXXX and asked to speak with a manager. The representative put me on hold. About 10 minutes later, I was hung up on with no resolution to my problem.
Product: Money transfer, virtual currency, or money service

Bluebird bank said my account has been permanently suspended due to transactions that were in violation of one of their rules
Product: Mortgage

Wells Fargo sold a mortgage we had and paid off via bankruptcy to a XXXX Home Loans. I have already filed a complaints with the XXXX which is under the Pennsylvania XXXX Office and the, Pennsylvania XXXX. I have documentation that Wells Fargo filed a satisfaction of mortgage with XXXX County, I have further documentation from the Bankruptcy court records that indicate said mortgage has been satisfied. XXXX Home Loans is currently trying to foreclose on our property, even know documentation has been submitted to them multiple times proving the mortgage has been satisfied, was recorded in XXXX County on XXXX XXXX 2016.
Product: Bank account or service

I signed up for a promotion with CitiBank to open a bank account, keep a XXXX balance for 30 days and then receive a {$400.00} bonus. I completed the steps and was not provided the bonus award.
Product: Student loan

I applied for a reduced payment plan two months ago and my servicer is yet to acknowledge it in writing. Whenever I call in they say the payment will be changed, but nothing ever happens.
Product: Credit reporting or other personal consumer reports

I have multiple unauthorized inquiries and XXXX account that I have tried to dispute multiple times. 

Inquiries : XXXX XXXX XXXX : XXXX : XX/XX/XXXX XXXX XXXX XXXX : Transunion : XX/XX/XXXX XXXX XXXX  : Transunion XXXX XX/XX/XXXX XXXX XXXX  : XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Transunion XXXX XX/XX/XXXX XXXX  XXXX : Transunion XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX Someone broke into my husband 's work truck and stole his wallet. We called right away and got our cards turned off and new ones sent out. I went to the ATM XX/XX/XXXX to get money out. I realized that somebody had withdrawn {$3500.00} from my account my account. And there was a XXXX deposit not made but myself or husband. I called Wells Fargo right away and told them there was fraudulent activity. They basically told me that it was impossible for someone to withdraw that kind of money that wasn't a cardholder or account owner without ID. I told them about my husband 's wallet. He was treating me like I was lying and some sort of criminal trying to claim Fraudulent actions. He submitted a claim and froze my account and supposedly put a hard lock on it so nothing was able to act or 2 access. Over the next 3 days from branch to branch the thief was depositing bad checks and withdrawing anywhere from a {$1000.00} to {$3500.00} A-day. The XXXX and XXXX of XXXX there was withdrawing of XXXX, XXXX, XXXX, another XXXX with a more bad checks. They closed my account and transferred all of what I had left for money into a new one for it to continue to happen. I kept calling Wells Fargo and telling them this and and it continued to happen.. When I was told this this was taken care of they drained my account down to XXXX. All I could do is cry. Then all of these bounced Checks started coming through and made my account negitive and then they dipped into my Wells Fargo credit card for the overdraft which went over my {$1500.00} credit limit which Now its going to affect my credit negatively. This is any persons worse nightmare. I had to borrow money for the XXXX time in my life from my father because I had no gas in my car or food in my fridge for my children..Wells Fargo refused to give me A-line of credit until this was taking care of. I have never been treated so badly being called a liar and basically a criminal. Every time I was under the impression that this had stopped and been taken care of on their behalf it continued to happen. They literally drained Everything I had to my name. I haven't received a phone call, feedback or an update as far as to what is going on on. I have try to call them and they just keep telling me that I need to be patient for a 10 day investigation. I have filed 3 different police reports in 3 different cities for these all happened in. I am defeated, anxious and scared. Wells Fargo has been zero help. I have been a customer of theirs since 2003 and I'm absolutely disgusted with how they have handled this. I am looking into hiring a lawyer in dealing with this otherways.
Product: Consumer Loan

The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.
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
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2024 and XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late this has caused me a great deal of pain to see the list of my consumer laws that have been violated A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to me you all have broken the law and caused me great harm here are all the laws you have broken 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s-2 - Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Balance {$35.00} Highest Balance {$36.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

I sent a letter out to the 3 credit reporting agencies XXXX, Experian, and XXXX on XX/XX/XXXX requesting they stop reporting certain information. To date the accounts are still reporting and I have not heard back from XXXX XXXX. I want this matter resolved asap.
Product: Student loan

In XX/XX/XXXX, XXXX XXXX pretending to be USA Funds sent correspondence to addresses that were not mine. I received the mail from my mother and mother in law several weeks later which indicated they were to start a wage garnishment. I promptly replied that I requested a hearing as I had not been on my job but one month and had not worked since XX/XX/XXXX, as I am XXXX and awaiting an appeal hearing from the SSA. I also forwarded financial statements indicating abgarnishment would cause a major hardship. I received no confirmation only copies of my promissory notes from years ago, with no cover letter or anything. I had also indicated I was interested in loan rehabilitation and asked how I could start that program. 

A few weeks later, with no notice, they began garnishing my wages. About a week after that, I received a letter stating they cancelled my hearing, of which I had never received any confirmation would happen. A couple of months later, I received a letter from a company named XXXX. I called them and hey set up loan rehab for me. To date, there have been no payments applied to my loans from the garnishments which were taken illegally. I would like to have my money returned to me that was stolen from my paychecks, as I am no longer working due to my XXXX, and have absolutely no income. I am also in the process of filing for XXXX forgiveness anyway. The way that was handled was in direct violation of my rights and they should be prosecuted for theft by deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not adequately notifying consumers of dispute outcomes. These issues reflect my own experience, where XXXX has neither corrected nor removed the disputed information. XXXXXXXX XXXX XXXX XXXX are the accounts unauthorized and inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXXXXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX account XXXX - The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 

XXXX XXXX XXXX XXXX account XXXX The open date, monthly payment, last reported, and date last active, and date of last payment are reporting XXXX different dates which is an inaccuracy. Delete the account due to inaccuracy. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 













15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Payday loan, title loan, or personal loan

Contacted nearly everyday including my references. Not completely sure how to solve this when unable to pay
Product: Credit reporting or other personal consumer reports

I just went over my credit report and saw an inquiry from your company that I never gave permission for.
Product: Money transfer, virtual currency, or money service

XXXX scams deposit the wrong checks and made a transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the cosigner on my son 's student loan with XXXX credit. Even though his loan is in a delayed repayment status because he is XXXX XXXX military, they incorrectly show a missed payment for XX/XX/21 and XX/XX/21. 

They don't dispute the error, and agreed to fix it, but then failed to do so. When I contacted them a second time, I was instructed to email my credit report to them. 

I did so, but now they claim they can't authenticate my identity. I used the same information via email that I used earlier the same day via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$7000.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4800.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3700.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2200.00} FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$1500.00} I am concerned with the validity and consistency from your latest examination along with the delayed payments with regards to this particular account and exactly how it is reporting on my credit report. Just about 45 days ago I requested an investigation considering the fact that I assumed the item is not being cited recently. To my shock I been given a document showing that your examination was completed and that the item had been " validated as accurate. According to Section 1681 ( g ) take the time to grant me with a description of the technique employed to prove the account is " genuine '' and mail me the name and addresses of persons contacted in every laws in the FCRA.
Product: Debt collection

I owe a debt of XXXX for a future pay account that the debt collection agency Transworld Systems Inc is handling I set up a payment plan monthly with them I been making my payments ever month on time but they keep calling not me but my husbands cell phone constantly even after repeatedly telling them that is not the correct number to be calling and to stop they apologize and tell me they removed his number and I give them my number but they continue to call him I call them back they tell me the same story they removed his number but yet continue to call him about a debt that is being paid and has nothing to do with him they never call me even after I give them the correct number
Product: Debt collection

I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX 
Assigned Creditor : XXXX XXXX XXXX. 
Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX