23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was late on paying my Discover account due to trouble making payment through the discover app. I was charge a late fee of XXXX XXXX. Which was refunded. But my minimum payment went up by XXXX XXXX  for the next month. Upon Discovers policy there calculations for late accounts you have to pay XXXX XXXX   plus an extra XXXX, plus 2 percent of Balance owing that goes towards balance owing. Upon this calculation you are paying an additional XXXX XXXX  plus on top of the monthly minimum due balance which is going to the balance owing. I was late paying XXXX 's minimum amount due. Therefore, XXXX 's payment has been increased by XXXX XXXX. Eventhough it goes to my balance owing and not to Discovers pocket for late charge ; I am still being charge a late fee in another form of punishment for paying late. Discover calculations on late payments practices should be reviewed period.
Product: Debt collection

Allied International Credit Corp I  received a letter on   XXXX   XXXX   stating that I owe a debt to  XXXX . The current amount due is stated at {$240.00}.   It says to   XXXX   XXXX   the money, or send them a money order. They provided a reference number and also a representatives name that is handling my case. However when I called it was not the female listed on the page. It was a foreign gentlemen who insisted that this was a legitimate company and that I have to pay them the money. I asked if they can even prove if this was my debt. First of all, it was sent to my house and address but the name was not my name it was my fiance 's name. Secondly they asked for my social security number which I did not give for obvious reasons. Third, the man threatened that my fi ances credit score would be affected by this. Fourth, I do not know of any  XXXX  debt He r or myself owe, as she ha s one   account with 1 feedbac k for an item that she purchased last year. Obviously there is no w ay one purchase of a  {$8.00} gift is somehow being mistaken for some {$240.00} debt. She paid for that gift with   XXXX   and everything went fine with positive feedback on both ends. She is worried and wants to pay the debt because of there threat that it will hurt  her credit score ( we are  applying for apartments and in the future will probably need a car loan ) I am however extremely skeptical as I believe a debt this large should come along with more than a letter just stating this amount is owed and pay them within 30 days. Should n't there be correspondence proving the debt is true? Should n't there be an attachment stating from the original company that in fact we do owe this amount for this reason and so on ...   I have no idea what to do, and I am also worried if this is legit if they will somehow be able to hurt he r credit score o r mine. I do n't know how they could but the threats that were made were pretty convincing. However my attempts for more details about what this was and proof that it was actual ly one of our d ebts were dodged and the person on the phone kept saying that I need to pay it within 30 days to avoid credit problems..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with experian multiple times via online and also by mail. I have submitted documentation to verify my identity and to notify them that my identity was once stolen and I have never had any auto loans or leased any vehicles. My identity was stolen In 2013 and XXXX  and XXXX  have removed XXXX consumer auto loan off my credit but experian refused to remove it. I also sent a letter stating that by federal guidelines that i wanted copies of the original documentation that was used to determine the investigation results and experian have failed to provide that.
Product: Debt collection

To whom it may concern : Upon reviewing my credit report, someone tried to get a lease in my name and later did not pay leaving me with a collection of {$410.00} from XXXX XXXX XXXX. It is unfair for it to impact my credit in this matter, and I would like for this to be deleted from my credit report immediately because this is not accurate. I greatly appreciate you in advance. 

XXXXXXXX XXXX XXXX NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX Collection Companies NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS - XXXX Balance {$410.00} Date opened XX/XX/year> XXXX
Product: Debt collection

I have received several phone calls via a robo dialer to my cell phone since the beginning of XXXX from a company called MAC from several different phone numbers. One representative, who called at XXXX XXXX on XX/XX/2021, stated his name was XXXX XXXX on voicemail and said that if I do not respond then " they will turn my case over to the county where is reside. '' He is not the only one that has left me these types of voicemails. I also received a call from someone named XXXX saying the same thing on XX/XX/2021. The number I was told to contact them at is XXXX. Not only is this threatening, this is also pre texting ... they are using scare tactics to force a debt to be payed, and I insist that actions get taken against this debt collector, so they won't use these illegal tactics against someone else. I have saved all voicemails if they are needed.
Product: Credit card

I have a walmart Credit Card. In XXXX I noticed online fraud charges. I contacted walmart and told them about it. They told me they would be closing my account and reissuing a card. Before that though I sent a payment in total of XXXX dollars to cover my monthly minimum seeing as i did not know when new card would come at the suggestion of rep. I finally get new card activate it today and see that walmart is claiming i didnt pay XXXX minimum. which they combined with XXXX and XXXX late charges. They are trying to charge me XXXX dollars when rep suggested I make the payment on the day I did. I called them and asked them to listen to recorded call and they refused to help with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( Capital One ), XXXX ( Kohls ), XXXX ( XXXX ), XXXX ( XXXX ) has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer card plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account. This account has already been removed and block by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Payday loan

Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.
Product: Checking or savings account

I was scammed on XX/XX/2019. It was a job scam. But Bank of America is the one who took my money, made me pay money, and reported me to XXXX even though they knew it was a scam. 

I was hired for a fake job by the scammer. He gave me a check. I deposited the check into my personal checking account. When I realized I was scammed, I reported it to the FTC, the local police, and Bank of America. 

Bank of America drained my account and left me with a negative balance. I didn't have money for food or bills until I eventually got paid in two weeks. I also had to make monthly payments to BOA, which I couldn't afford. 

This is still affecting me today. I no longer bank with BOA and avoid them when possible. 

XXXX, which helps XXXX and people with XXXX with scams, told me to contact CFPB because they didn't think Bank of America did the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information is inaccurate across the 3 bureau 's XXXX XXXX XXXX Reported : XXXX. XXXX, 2023
Product: Debt collection

I was mailed a letter on XX/XX/XXXX regarding a debt that was due. 
I contacted XXXX from the company on XX/XX/XXXX and told her that the debt was paid. She required me to provide proof. I explained that the initial debt holder who contracted with RCS should provide that as I made full payment of the initial amount owned to the initial creditor in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have had XXXX Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting a security freeze on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX Reported : XXXX. XXXX, XXXX {$910.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX DOB XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts and Inquiry. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I paid off {$410.00} to Bank Of America in XX/XX/2020 and it say I didnt on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at BEST XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2020, I, XXXX XXXX XXXX received a letter addressed by Wells Fargo Home Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. However, the letter must have been redirected by the illegal occupants occupying the residence and was delivered by XXXX to XXXX XXXX on the front door step of that residence. The letter indicates that it is an acknowledgement letter and I agree that I have requested that Wells Fargo acknowledge and address some matters. the letter is properly addressed to XXXX XXXX XXXX and has the correct physical address in which I am inquiring into. However, the letter does not address the proper account number. I have provided the proper account number on all inquiries submitted. Therefore, Wells Fargo will need to identify and address the proper account number because there acknowledgment account number is incorrect. The provided response date is XX/XX/2020. I will further acknowledge that I received a voice message on ( XXXX ) XXXX. The account is also missing off of my credit report.
Product: Checking or savings account

Capital One online banking has failed to post my employment direct deposit. I phoned Capital One on XX/XX/year>, spent 2 hours 45 mins on hold just to have the customer service representative read a statement that was futile. I escalated the issue and spoke with XXXX, supervisor, requested timeframe when my monies will be deposited, whats preventing my direct deposit from posting, reason behind Capital Ones irresponsible email after they were aware of the issue and requested updates regarding this issue. My direct deposit hasnt been credited to my checking account to date.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. The account details are as stated : Jefferson Capitol System Originally : XXXX XXXX is no longer in Business.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I had received several text messages from my banks fraud number on XX/XX/XXXX asking me if I had done a transaction through XXXX XXXX  and I replied no then I received another text message from the same number asking if I had added someone to my XXXX account through my bank and I replied no then I received a telephone call from the same number which shows my banks fraud number and the person on the phone said that I needed to delete my debit card from my XXXX XXXX  and told me to add an virtual card in order to stop the payment and I would see the {$400.00} back into my bank account within an hour. So I did what they said because I thought it was my bank because the phone number showed my SouthState bank number. I went to my branch on XX/XX/XXXX to ask about it and talked to a lady name XXXX and she told me it was a scam that I needed to file a claim but I had to wait until it showed it went through my checking account because at the time it was showing pending that she would file a claim on Monday XX/XX/XXXX and that i didnt need to call her she was making a note. i decided on monday XX/XX/XXXX to go to the branch at XXXX and talked to XXXX and the claim was not filed yet like XXXX XXXX she would so XXXX XXXXXXXX XXXX claim. i received a letter denying my claim due to my phond was used for the transaction. yes it was becsuse i thought it was my bank becsuse of the phone number showed my bank. i also feel like if XXXX would have done something while the transaction was showing pending i could have stopped it. i took all the right steps and i should havr had my money credited back
Product: Checking or savings account

I opened a Chime account and had been banking with them without any problems. Had a deposit come in my account around XX/XX/2021 that had my name on it and they closed my account without sending me a check for my funds that was in that account. I contacted Chime several times and was only to correspond through email due to them closing the account. I was never able to speak to a live person. I am in need of getting my balance from Chime. Can you all assist me in getting my money from the institution? I do know they can not confiscate money from anyone that they did not supply. Please help!. Thank you