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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Someone made fraudulent purchases with my Discover card and after reporting it as such to the company, they are denying my claim and telling me that I am now responsible for paying it... It's a {$9000.00} charge made on XXXX XXXX XXXX XXXX XXXX  and I have no idea what this company even is so there's no way it was an accident or something on my part. Someone got access to my personal information and then made this purchase... It's not me and I'm not going to be paying it. I am reporting it to the proper channels and going through with a lawsuit if I don't have this money returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXXXX/XX/XXXX for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.
Product: Credit reporting or other personal consumer reports

There are two addresses on my credit report that i have never lived at. Please view attachment. The highlighted addresses are incorrect
Product: Debt collection

Date filed XX/XX/XXXX for the amount of XXXX. Civil suit paperwork was served to my husband on XX/XX/XXXX. 

The civil suit was served on XX/XX/XXXX through the XXXX XXXX XXXX XXXX. I have not rec 'd any request for payment or any notification prior to this. The entity that is listed as the Plaintiff is completely unknown to me. The paperwork shows the original loan company is listed as XXXX and I am not familiar with them. The interest rate on the paperwork shows 39 %. With a original loan date of XX/XX/XXXX. 

I have undergone XXXX XXXX XXXX XXXX XXXX  so my memory is not good at this time. I am currently on Social Security Disability and age XXXX. I recently lost my XXXX so that has effected my memory. 

Please advise me as soon as possible. Thank you in advance. 

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

On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been blocked in trying to obtain my annual credit report from Experian. I have tried to have this fixed through multiple calls to Experian. They have not taken the time to look into this issue. I have spent multiple hours on the phone with them with no success. I not only can not obtain my free online credit report bay can not dispute online and am having issues with lenders and potential banks due to them not being able to identify me through Experian. 

This issue has been going on for months and and I feel that it is my right to be able to obtain my actual credit report as mandated by law, Currently, I have having issues opening accounts and can not prequalify for a mortgage due to some block that Experian has on my file. My credit report is unlocked and there is no fraud alert in place. 

Thank you, XXXX XXXX
Product: Debt collection

Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..
Product: Credit card or prepaid card

I received a debit XXXX cash app card in my name to my address. I did not open a cash app account. Someone did this with my information. Someone has my social security number. I called cash app on XXXX XXXX to report this. They sent me a link to send picture of card and wanted my name. They said they would close the account. I don't know if it is closed.
Product: Credit card or prepaid card

XXXX. ) I contacted Bank of America on XX/XX/2022 regarding a purchase dispute. My Bank of America account is being illegally accessed which access was provided by Bank of America to unauthorized third parties. This is a fact since after imitating the dispute a hired actor or third party member of the public staged a stunt informing me that he knew about the dispute filed with Bank of America. I do not know this person and have never seen him before. This person is very likely a hired actor or agent working for the federal government, the intent of which is to interfere with my financial situation and by doing so interfere with or prevent further pursuit of the active lawsuit in the D.C Federal district court against one or more federal agencies. 
XXXX. ) Bank of America did not issue a temporary credit as is usual, customary, and consistent with its own procedures. Bank of America did not issue a claim number on the matter, therefore indicating that the claim had not been filed or properly handled. 
XXXX. ) I can not validate that the person from West Virginia who handled the call for Bank of America was actually an employee of Bank of America as she called from a number outside of Bank of America and she did not properly identify herself. 
XXXX. ) The intent of Bank of Americas fraud was and is intentional and to interfere with my finances to aid the government to prevent further legal action against the federal government i.e. XXXX as set forth above due to an active lawsuit I have filed against the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting age

ncies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report. Furthermore, I have reason to believe that my personal information was used without my writ
ten authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.
I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately. 




I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Product: Debt collection

I received my most recent XXXX XXXX report and noted a collection on the report which is not correct. The debt appears to be in collections with Credit Management Co. for unpaid debt of {$260.00} to XXXX XXXX. I have not not lived in or have any associated in Texas. The recently happened to me with another collection agency and XXXX XXXX in the same state. This appears to be identify theft/fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, within my Chime bank account, I transferred {$20000.00} from a linked XXXX XXXX checking account. I have been aChime customer for almost 3 years. On XX/XX/XXXX, the transfer had not yet been deposited into Chime, and I received an email stating my account was closed. I asked customer service if my {$20000.00} would be returned to the bank account it came from, and they said yes, it would be automatically rejected since the account was closed. On the XXXX, they again assured me that the transfer ( which was initiated by me, within my Chime account ) would be returned to the original account ( also mine, at XXXX XXXX ). As of XXXX, the {$20000.00} still has not returned to my XXXX XXXX checking account. On XXXX, I reached back out to Chime and asked if deposit was sent back. They stated that it was not sent back, that it was posted to my Chime account on XXXX ( though it was closed on XXXX ), and I would not be receiving any type of refund. I filed a XXXX report and have attempted to contact employees to handle the issue, but they do not publish or share the email addresses of anyone in the company. They have stolen {$20000.00} from me which is, as you know, illegal.
Product: Checking or savings account

Yesterday, one made contact with Navy Federal Credit Union XXXX XXXX XXXX XXXX and had a conversation with XXXX. This discussion was in regards to a potential scam or terroristic threat made by an agency called, " XXXX XXXX. '' Initially, intuition told me XXXX failed at possessing the capability, to fulfill my request. This is because XXXX was able to distinguish his XXXX preferences over the phone. Unfortunately, " XXXX XXXX '' and XXXX, share a common denominator in offering service to men. Most of the time when one comes in contact with an individual like XXXX, who has a tendency of targeting men for fun, I keep my distance because their antics are very offensive. Yet, the severity of a matter allowed me to overlook my personal bias and attempt to move forward with the issue. 

Throughout the consultation yesterday morning, XXXX acted extremely peculiar. He was constantly placing me on hold as if, he was searching for a resolution with another team member and intentionally violated my right, to file a dispute with Navy Federal Credit Union. 

Following our conversation yesterday, I stood by for a formal acknowledgment from NFCU pertaining this dispute. Which I never received via electronic mail. It placed me under the impression that XXXX was acting facetious and completely ignordered my request for support from NFCU. 

Consequently, another representative from XXXX XXXX confirmed that XXXX never submitted any dispute, related to my plea for processing. That being said, I do not appreciate how XXXX flagrantly lied to me via phone stating, " Although it XXXX not end in your favor, we are going to process your dispute. '' Seeing that he was so comfortable in verbalizing lies, to an NFCU XXXXXXXX XXXX will the Consumer Financial Protection Bureau please, investigate both XXXX 's intentions and a possible domestic threat against " XXXX XXXX  ''? 

United States XXXX, XXXX XXXX
Product: Prepaid card

I received a gift card from my employer and have struggled to find places where the Amex Business Gift Card can be used without being declined. After nearly a year Im down to {$11.00} but cant get it to not be declined anywhere Ive tried. 
I tried XXXX, XXXX in person and online, XXXX XXXX  XXXX, XXXX, XXXX. They all get declined. 
I called support and they told me no refund, try another retailer. No help offered. 
This is a racket and they have a ton of money sitting in their account from people not willing to fight for their money. I want all of the money that was given to me. Let me spend it or send me a check!
Product: Debt collection

My XXXX XXXX XXXX  account has been charged off. They attempted to sue me and that lawsuit was dropped after I disclosed my financial status. This account is no longer on my credit report. I do not have the entire account number but the last four digits are XXXX. 
Amount owed is {$1900.00}. This account was acquired in 2011 by Portfolio Recovery. 
Portfolio Recovery has been has been trying to collect this debt. There are making harassing phone calls. They are also trying to collect a debt from XXXX. I have never had a XXXX account. I have disputed the XXXX account with them. 
I would like the calls from Portfolio Recovery to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX SCHOOL XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

As Wells Fargo has demonstrated a total lack of reading comprehension skills, they get to respond for a THIRD time. Maybe this time they'll get it right. 

In my previous complaint, I pointed out that WF stated they informed XXXX ONLY that I was a successor in interest on the mortgage. But I am ALSO the administrator of the estate. THAT was the point in the second complaint. So, since WF continues to be obstructionist regarding the documentation provided to XXXX, and based on their previous response, I am SPECIFICALLY requesting the documentation sent to XXXX with PROOF it was sent regarding my status as the Administrator of the Estate of XXXX XXXX XXXX XXXX, PROOF that the XXXX documentation was sent to XXXX, the information regarding the status of the CARES Act forbearance and PROOF that it was sent to XXXX, and documentation of the payments made in XXXX and PROOF that it was sent to XXXX. 

I trust this is clear enough and specific enough for WF to understand and provide actual, meaningful response to, not just deflections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, XXXX XXXX has sold off this account to XXXX XXXX. I had already paid XXXX XXXX and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. Equifax need to deleted XXXX XXXX  off my account too.

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

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX Unknown, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX , XXXX XXXX # : Unknown , XXXX XXXX XXXX # Unknown , XXXX XXXX XXXX : XXXX . I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Product: Debt collection

1- Pacific Credit services straight ahead reported me to the CRAs without even notifying me of the existence of a debt. 
2- When I found out a collection in my credit report, I sent them a certified letter dated XX/XX/XXXX asking for a validation of the debt. They did not answer and kept on reporting this collection which is violation of the FCPDA. 
3- I send them another certified letter dated XX/XX/XXXX requesting validation and to stop reporting to my credit report, which is considered to be a collection activity. They did not take heed and still reported the collection on my credit report. From them, I then received a letter for a statement that does not proof that the debt is mind. It was dated XX/XX/XXXX sent to the wrong address listing charges back to XXXX with no explanation what the charges for and with a note stating '' a recent audit of your account revealed that we have inadvertently missed billing you for your portion of the payment '' Pacific Credit services failed to send me a validation. 
4- On XX/XX/XXXX I send them another certified letter requesting them to validate my debt under the Fair Debt Act and so it has been 57 days and they have not replied and are still reporting the collection to my credit report. 
5- Pacific Credit services are in violation of Fair Debt Collection Practice as they are reporting an unvalidated debt. They also do not have my authenticated permission to first pull my credit report or to report to CRAs. I do not have any legal binding between them and me. I do not owe them anything. 
5- In the letter they sent they indicated to me that they will keep negatively reporting this collection to credit reporting agencies which is illegal practice. 
6- They defamed my character for something I did not do. 
7- Medical debt collection on my personal credit report is a direct violation of HIPPA Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items were seen on my credit report which I found some erroneous remarks in each item. Experian has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX : {$430.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX. XXXX XXXX XXXX : {$820.00} XXXX. XXXX XXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$19000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX BALANCED {$2500.00} XXXX XXXXXXXX BALANCED {$240.00}
Product: Debt collection

NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks