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

Regarding these accounts below, I am writing this letter. That affects me greatly and shows up on my credit record. These accounts show up on my credit record as I was victim of identity theft and had my data hacked. Since these stories are not mine and I should not be liable or responsible for anything that was revealed without my knowledge, they really are affecting me greatly.
Product: Credit card

On XX/XX/year> ( today ) I chatted with a rep to see why my payment had not been reflected and it had been 6 days since the payment was made and debited out of my account. In that time I looked over my statement, my balance due amount was {$1700.00}, I made a payment of {$1100.00}. I than notice that my statement end date according to my statement online under more information stated it was XX/XX/year>. Just trying to be better at credit I am attentive to when the statement closes which means reports to the agencies. In that same area it stated my next statement would be on XX/XX/XXXX, it is the XXXX and I still have not received a statement. Looking over my credit report it seems that the company reports incorrect information if we are going by the standards of reporting the amount at the end of each statement close dates. I have XXXX credit cards with this company, my Sam 's club card is due on the XXXX and statement close date is XXXX, this was reported on all three reporting agencies on the XXXX of XXXX, my Amazon payment is due on the XXXX and the statement date is also the XXXX, this was reported on XX/XX/XXXX but the amount was not the amount of what was on my statement which was {$190.00}, this amount was paid before the XXXX so this should have not shown as balance due, then the amount that has been reported prematurely is {$230.00} and that too has been paid in full prior to the due date which should show a XXXX balance not only on their website but also to all three credit agency. This is showing that I am using far more than 30 % of my credit limit and causing my credit to take over XXXX point hit when I am using the credit properly and paying my bill as I am supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ......
Product: Debt collection

I requested validation/verification of this debt through the credit bureaus in  XXXX  of  XXXX . The debt collectors refused to do so and the credit bureaus deleted them off of my credit report between   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  . I have no recollection of this debt and according to my past credit report, this debt is almost 10  years old . Now, the SAME collection company sent me a letter dated  XX/XX/XXXX  to try to collect the debt once again AFTER their refusal of verification/validation.
Product: Mortgage

For the last 6+ months my payments have been made every month. Which is also reflected on my credit report. However, in XXXX, all of a sudden, WellsFargo online system showed that we were behind by 4 months which is completely inaccurate. I contacted Wells Fargo many times trying to get this sorted out and they fail to assist me. 

Back in the Summer/Fall of XXXX my husband was having an issue with his Wells Fargo Bank account and decided not to use it anymore and ultimately close the account but Wells Fargo continuously attempted to withdrawl our Mortgage payment from this account, causing the system to return payment for non sufficient funds. Our mortgage payments were being made from my XXXX account and for some reason are not being reflected on our account. Our account should be paid through XXXX and right now its showing we are due for XXXX. I need to know what payments they are showing as " missing '' so that I can provide my bank statements. I have already provided my bank statements but Wells Fargo fails to acknowledge them and fix this issue. 



On XX/XX/XXXX I spoke with someone on the home preservation team and also submitted an email to them with copies of bank statements and receipts showing our mortgage has been paid up to date. I requested that they immediately review our payment history and what months they show as not paid and all missing or misallocated payments corrected, a written confirmation that our account has been updated and corrected once the review is complete and the cessation of any negative reporting to credit bureaus and documentation of any corrections made to our account. 

The payment dates going back to XX/XX/XXXX are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account under the name Hunter Warfield keeps showing up and the amount owed each month goes up and down {$1.00} at a time. I have never had a contract or done business with this company. Also, it shows the account was removed from my credit report and now it appeared again a day later and I was not notified. I have submitted several disputes to have this removed and it is still showing and negatively affecting my credit and reputation with other open accounts I actually have relationships with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan that was purchased by Suntrust bank. ( XX/XX/2019 ) I have made all payments on time. However, in XXXX of 2019, they failed to apply my full payment properly and immediately submitted it as late to the credit bureau resulting in a lowering of my credit score as well as several other credit companies lowering my credit limits. They have damaged my credit scores and creditworthiness. I contacted Suntrust on numerous occasions to resolve this, and they admit they were in error but did nothing about it. I have full documentation of such. I then hired an outside firm to contact them and try to resolve the issue. Suntrust also admitted they were in error to this third party yet they have done nothing to resolve the issue. I have a letter from this third-party company showing the admission of the error on the part of Suntrust, and yet they were unable to get any resolution either. 

Every time you try to call Suntrust you speak to a different person or department and they give you the runaround and none one takes responsibility to resolve the issue even though they admit the error. This has been the case for more than 6 months now. 

If you are dealing with Suntrust bank, my advice is to be very cautious because they are unethical and unwilling to resolve issues even if they admit those are the fault of the bank. It seems to me this ought to be illegal. I have no resort except to report them in this complaint, hoping that someone will do something about this issue and give help where it is needed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c
Product: Credit card or prepaid card

XXXX XXXX Opened an Account in my name with no signature or authorization and is reporting negatively on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, there was a JPMCB credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my XXXX credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with Chase ( the card company ). 

In XXXX, I started reporting the issues to XXXX. Around XX/XX/XXXX, I contacted Chase fraud and they said they would open an investigation. Since then, I have not heard from Chase and my credit score is still low and the XXXX site still lists the card as having debt under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/ unauthorized collections off my report from XXXX XXXX XXXX XXXX XXXX or provide proof in writing within 30days
Product: Credit reporting or other personal consumer reports

I'm trying to sign into my Equipfax account to unfreeze the reports, but it keeps giving me error messages. I called the support number, XXXX, but the rep could not help either even after trying many different steps. She could not figure out what the issues were and told me that she would escalate the matter to another team, which supposedly should contact me with a fix. They simply ghosted me out, and I'm still unable sign into my account. As a result, I can't move forward with any new credit purchases.
Product: Credit card or prepaid card

Step 1 : What is this complaint about? 
I summited serval request to Comenity Bank to dispute the charges but was denied any resolve or remediation. 
Dispute return payment and purchase for {$10000.00} ( {$5400.00} return payment and purchase {$5000.00} ) account # XXXX. 
The purchase occurred on XXXX XXXX 2021 Step 2 : What type of problem are you having? 
Fraudulent charges to my Credit Card for {$10000.00} Step 3 : What happened? 
This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/2021 for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by XXXX XXXX XXXX. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under CAD/CASE No. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with XXXX XXXX XXXX  because these charges are a result of criminal act of fraud. 

See attached police report. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Step 5 : Who are you submitting this complaint for? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Time Line XX/XX/2021 Deposit, PAYMENT - made in account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Withdrawal, RETURNED PAYMENT, taken from Comenity Bank Account by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim, purchase and mailed equipment ( XXXX XXXX ) XX/XX/2021 Victim contacted State police to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 Victim contacted Comenity Capital Bank to report crime of criminal fraud and theft perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and dispute all transactions and charges related to the crime. 



See attachments : XXXX ) XXXX Comenity Bank Credit Card XXXX XXXX ) Dispute Documents - Comenity Bank Credit Card Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX # XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I disputed this on the same day with Experian and XXXX XXXX Experian came back in 72 hrs with a verified result - XXXX took 2 weeks and came back Removed from my Account. I know Experian did NOT do an investigation, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand This be Removed from my Credit Report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Product: Debt collection

The posted derogatory credit remark for collection by Stellar Recovery Inc. is the same derogatory remark previously removed. The amount billed {$1400.00} originates from identity theft by XXXX XXXX in California used to open a XXXX XXXX account. I previously resolved and removed this derogatory remark using the CFPB complaint site. It appears that the previously resolved debt was trnsffered to another debt collection company despite the previously substantiated identity theft.