23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report and this was on it. I have no knowledge of this account I never had an account with this company. Ive tried to dispute it and it remains. 
XXXX XXXX XXXX XXXX {$350.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name 12 XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Wells Fargo Bank , N.A . for their continued reporting of an unauthorized account on my XXXX XXXX, despite my repeated efforts to have it removed. The account in question, under account number XXXX, was neither opened nor authorized by me, and its presence on my credit report has caused significant harm to my XXXX XXXX and financial standing. 

Despite submitting multiple disputes directly to Wells Fargo and the XXXX XXXX, Wells Fargo has failed to properly investigate my claims or provide adequate verification of the accounts legitimacy. This failure is in clear violation of the Fair Credit Reporting Act ( FCRA ) - XXXX XXXX. XXXX, which mandates that furnishers of information conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. 

Moreover, Wells Fargo has reported a late payment on this unauthorized account, further damaging my XXXX. This action violates the XXXX XXXX Billing Act ( FCBA ) - XXXX XXXX. XXXX ( b ), which protects consumers from being penalized for billing errors and unauthorized charges. 

I have also provided evidence that XXXX has recognized this account as unauthorized and has removed it from my XXXX XXXX. Despite this, Wells Fargo continues to report the account to XXXX and XXXX, contributing to ongoing financial XXXX. 

XXXX XXXX refusal to rectify this situation despite clear evidence and multiple disputes demonstrates a willful disregard for federal consumer protection laws, including the FCRA, XXXX, and the Truth in Lending Act ( TILA ) - XXXX U.S.C. XXXX ( b ).
Product: Mortgage

Mortgage company known as Seterus ( XXXX XXXX XXXX, XXXX, CT XXXX ) # XXXX is no longer supplying monthly billing information stating balance, interest, or escrow. They provided " coupons '' to pay monthly and you are required to " opt-out '' to get the details and I have done so but they have not provided me with any bill for the month of XXXX or XXXX. I called to request information and the running totals they provided stopped as of XXXX XXXX, 2015. The online system has stopped showing me past invoices as of XXXX, 2015. I did get a computer printout ( very hard to decipher ) of my payments until XXXX but only after I called. At this point, I 'm paying the bill because I just know it 's due but I have no invoice, no updated amounts due or no idea how things might change due to taxes/escrow/etc.. This is unacceptable and clearly violates the Dodd Frank Act.
Product: Debt collection

Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with XXXX XXXX and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to XXXX XXXX. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to XXXX XXXX. No action has been taken by XXXX XXXX to resolve the issue. XXXX XXXX has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by XXXX XXXX on XXXX XXXX, XXXX, the second was sent out and received XXXX XXXX, XXXX. XXXX XXXX has provided me with account statements from the original creditor, XXXX XXXX  stating that the accounts are mine however no such document bares my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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. 
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 XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, A checking account was opened without my consent by a third party. They also applied for a credit card under my identity, which resulted in a hard check on my credit report. I fear my identity was stolen. 

The checking account was for Citi bank. The number is XXXX. This account was opened on XX/XX/scrub> 2024. 

The credit card application was for a Citi XXXX XXXX Mastercard. The application was denied due to the information in a report from the XXXX reporting agency. 

My record shows that a hard credit check was conducted on XX/XX/XXXX. 

Thanks for all your support. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 37 account which i didn't authorized on my account with XXXX, most of the company which appears on my credit report more than once that i didn't recognize or apply for credit with theses companies. I tried to contact the company and file a disputed with XXXX  never receive any responds nor answer. Also with Transunion i have 20 dep/XXXX  which have been discharge with a XXXX balance plus 7 other account which wasn't authorize without my consent i file a dispute to remove those items but have been unsuccessfully or no results. i need these account to be investigate fully so i can see a change on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unathorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX UNAUTHORIZED FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Product: Checking or savings account

Paypal acts as an intermediary that claims to have " Instant Transfers '' as they are even titled this at the transaction level on my bank statement. A quick XXXX search will even bring you to their webpage where it is written " An Instant Transfer is a way to send money or make a payment from your bank account instantly using PayPal. '' However, on 7 different occasions this year, an account that I use to pay a handful of bills and keep a low balance on has been overdrawn by paypal instant transfer transactions that are not reflected in my banking history until days later ( on a delay ). I would think the average consumer can reasonably assume that an instant transfer means that it will come out of your account the same day. That being said, I would recommend the CFPB review this for potential UDAAP Violations. As it sure does seem to be misleading and deceptive in regards to the verbiage used on their webpage ; leading to material customer harm in the form of potential NSF fees. 

Just some context, I bank with XXXX and if a transaction occurs that happens to overdraw my account I get text alerts with every single type of transaction - with the exception of paypal. Paypals transactions all reflect in my banking history on a delay but with a posting date of the date the transaction occured. Since they do not actually show until days after the fact there is not chance to fund the account in the event of an overdraft. I have contacted Paypal on this, as I have incurred 7 NSF Fees totaling {$210.00} and they refuse to do anything about it and keep referencing their legal agreement which does not speak to this issue. 

Additionally, Paypal charged the wrong card for 2 of these transactions. I reached out to them and even disputed the charges because I did not authorize payment on the card that was charged. Paypal has denied my dispute but has not closed the case with the merchant.The result is, that the merchant will not refund me for the returned items. My understanding is that this is a Reg E Violation in that all disputes are required to be either closed or a provisional credit issued within 10 days of the dispute. I opened my dispute on XX/XX/21 and while paypal case handling tells me the case is closed - the merchant wont refund my returned items because they are indicating that paypal hasnt communicated the result of their investigation.
Product: Checking or savings account

XXXX XXXXup to and including today ( XX/XX/2022 ) ATM at Truist bank branch out of cash. No sign on machine, no explanation inside bank. Clerk inside bank gives out the cash to a very long line of unhappy customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 Moneylion llc admitted that i made payment but reported that i have missed consistent payments with 120days late showing on my credit report i would like the error removed and full account removed
Product: Checking or savings account

Capital one high yield savings is not accruing the original interest rate that was advertised but instead a much lower interest rate without informing me
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies are reporting a bankruptcy. And will not release how they verified the results.I have a letter from the county house that states they do not relese any info to 3 rd party company's.And all of my search companies like lexes nexus is frozen.This is the 3rd time they have not followed the rights of the fair credit reporting act.And have violated my rights.Please help me have these accounts deleted thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity. I have no knowledge of these accounts. Please delete them from my report because the are hindering me from obtaining good credit.
Product: Debt collection

I am a victim of Identity Theft. 

XXXX is reporting a collection through Diversified Consultants XXXX for {$1800.00} that is not mine. 

Police Report has also been filed : Report number is : XXXX I have tried contacting XXXX, Diversified, XXXX, XXXX and XXXX and am not getting this account researched and resolved. 

It is preventing me from getting the credit I deserve and needs to be deleted right away.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022. An authorized charge was placed on my Chase Freedom XXXX Credit Card for the amount of XXXX dollars. The charge was made online at XXXX ( XXXX XXXX XXXX XXXX # XXXX. Address XXXX XXXX XXXX XXXX XXXX CA XXXX. ) store, the transaction include household items and a can beverage cooler worth XXXX for delivery. The thief included his phone number and address! The person put this phone # on the record ( XXXX ) and used this address XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX for delivery.
Product: Checking or savings account

I was a Wells Fargo customer from XXXX - XXXX and experienced wrongfully charged overdrafts charges
Product: Debt collection

I contacted XXXX XXXX  in regard to the account that in shown as a collection account in the amount of {$620.00}, they stated that I am a consignor on this account and that the account was opened by my former spouse. I disputed this account twice since I never authorized this transaction under my name and have not been able to get it removed from my credit report. I have contacted my former spouse about this issue, and she stated that she is unable to pay for this account at this time and not sure when she will be able to do so. Furthermore, the company that my spouse had the debt with was a furniture company called rooms to go which in turn sold the debt to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax and spoke with so many people in the fraud department saying they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me
Product: Credit reporting or other personal consumer reports

I am writing in regard to report an inaccurate credit report entry. This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Dispute of Information I recently reviewed my credit report and identified the following inaccuracies reported by your company : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter thoroughly and correct the inaccurate information. Please confirm, in writing, that the corrections have been made and notify all relevant credit reporting agencies ( XXXX, Experian, and XXXX ). 

XXXX. Request for Validation of Debt ( if applicable ) If this issue concerns a debt that you claim I owe, I am exercising my rights under the FDCPA ( 15 U.S.C. 1692g ) and formally requesting validation of the alleged debt. Please provide : XXXX XXXX  A detailed accounting of the alleged debt, including the amount, date incurred, and the basis for the obligation. 
Any signed agreements or contracts that substantiate the debt. 
XXXX. Request for Cease and Desist ( if applicable ) Until this matter is resolved, I request that you cease all collection efforts, including calls, letters, or electronic communications. Continued attempts to collect on this disputed debt may constitute harassment under the FDCPA.