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

Dear Equifax Information Services, LLC : This is a Self-Attestation that I am a XXXX XXXX XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Debt collection

I had a checking account with US Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by US Bank. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, US Bank added 6 overdraft fees ( NSF ) for a total of {$220.00}.

In mid XX/XX/XXXX I receive a letter from US Bank stating the account was in negative balance. The same day I received the letter I went to my local US Bank branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted.

I did not hear back from US Bank until early XX/XX/XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted US Bank again and the claim has been re-initiated, but I do not have confidence any action will be taken.

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Volkswagen Credit ruined my credit score. I used their autopay system and the system did not work properly and my credit suffered from that. Prior to using the system my payments was never late. In XX/XX/2022 I put my payments on autopay using the VW credit app received a confirmation message that the payment will be processed on the XXXX of XXXX. The VW agent explained she sees where I activated the automatic payments in XXXX but the system didnt take a payment until XXXX. She removed all late fees from my account. The account has been paid in full. All I ask is that the negative marks be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter requesting to have inaccurate items removed from my Equifax credit profile. As of XX/XX/2020 I have not received a resolution from Equifax so I sent another letter requesting that they follow the law and remove my inaccuracies ; since they did not resolve my issue within the allotted 30 days given to investigate my dispute. Equifax has neglected to comply with The Fair Credit Reporting Act, and still have not remove the inaccuracies from my credit profile as of today, XX/XX/2020. I have included copies of both letters with my complaint.
Product: Credit reporting or other personal consumer reports

I have made several attempts to reach kickoff but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/2023. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX
Product: Debt collection

I resolved the initial debt through a debt consolidation company back in XXXX. There was a zero balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX. 

I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had zero CONTACT with anyone.
Product: Credit reporting or other personal consumer reports

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. 

These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed a dispute in regards of the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit card

I used my Discover card on the XXXX XXXX to make a purchase. The seller did not supply the goods that I agreed to purchase. I knew within 1 day that the Seller was did not supply the goods. I reported it immediately to both XXXX XXXX ( who told me to contact the credit card company ) and Discover. 

Discover stated that they would not issue a refund because I used an app to make the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX closed my account and turned account over to a law firm for collection in XX/XX/2021. I have been dealing with this law firm regarding this debt which XXXX XXXX XXXX XXXX now does not own. Under the FCRA two establishments can not collect for the same debt. A major violation of the FCRA. I have disputed this account with the three major credit agencies and did not get the results or relief sorted. I am now at the mercy of the CFPB to hold not only the agencies to the law of FCRA but XXXX XXXX XXXX XXXX to delete or remove this debt from my credit profile since they no longer own this debt.
Product: Mortgage

I have been approved for the Florida Homeowners Assistance Fund program in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was told my payment was sent to Cross Country Mortgage on XX/XX/XXXX. I called Cross Country Mortgage today XX/XX/XXXX to inquire about the FHAF payment and was told that they had not received it. In XXXX the payment was posted to my account with Cross Country on XX/XX/XXXX and XXXX payment was posted on XX/XX/XXXX. If they received my payment from XXXX, then the payment needs to be applied before my grace period ending date of the XXXX. I do not want to be charged a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access. 

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information. 

I apologize for any inconvenience this may cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a check deposit on XX/XX/24 the bank applied the deposit, then took it back that the fund was not available. I went to the bank I wrote the check from and that bank says Wells Fargo had not presented the request for funds via the check. I took the funds out in cash and deposited them in the wells fargo account as it is the primary payer of my mortgage loan which I have had for XXXX years with wells fargo, so I called and ask them to cancel the check, they says the check is on hold and they will run it again on the XXXX. XXXX days after my mortgage auto debits. I told them I brought the funds in cash so the check needs to be cancel as they already have the funds in cash. they refused and told me that i will responsible bounce check fee from the other bank, we request a stop on the check at the XXXX XXXX XXXX XXXX but now we are being charge fees from both bank for the holding the check for XXXX  days
Product: Mortgage

i requested for a mortgage payoff quote BEFORE XXXX XXXX never received anything. 

i tried calling and FINALLY talked to someone and they assured me i would get the qupte before XX/XX/XXXX i emailed a complaint to them and they responded thru email that i would get my quote. 

its now XX/XX/XXXX and still nothing its very difficult to actually speak with someone with this company. roundpoint dont know what to do. 

i never chose this mortgage company... they bought my mortgage. they are the worst. 

i still want to pay it off just so that i no longer have to deal with these guys. 

but also afraid if send them all that money, it could disappear. if they have no problem lying about my payoff quote and nearly impossible to contact by phone, how can i trust this company?
Product: Debt collection

I received a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.
Product: Debt collection

Repeatedly have told this company trying to collect that this isnt my debt, they insist that it is. I need and want complete verification that this is my debt
Product: Checking or savings account

The ATM at Wells Fargo Bank is accepting deposits and provides a receipt for the deposit. The next day the bank makes an adjustment to my account removing the deposit. When calling, you get transferred from one department to the other. over 1 hour on the phone, only to be told to wait 2-10 days for a copy of the returned check. This has happened to me 2 times once for {$280.00} and this time for {$720.00} on XX/XX/2022. I received a letter today XXXX showing : " While processing the transaction a system error occurred resulting in us recording a deposit of {$0.00}. As a result, we deducted the {$720.00} from your account. WE MAY REACH OUT TO YOU IF ADDITIONAL ASSISTANCE IS NEEDED TO RECOVER THIS TRANSACTION ''. My complaint is that Wells Fargo is taking customer money with no accountability.
Product: Checking or savings account

I received an email XX/XX/XXXX, stating the account for XXXX XXXX was closed. I immediately called customer service to inquire on the reason for the account closing. It was a joint account. I was told that the account was closed by the bank and a cashier check would be mailed out for the amount of {$46000.00}. 
After XXXX weeks, XX/XX/XXXX I called Chase customer service to follow-up on the status of the cashier check being mailed out. I was told that the process takes a while and I should be receiving the cashier check soon. I asked if I could verify the address where the check was being sent and was told that I could give my address and they would be able to confirm the address where the check was being sent. I gave my address XXXX XXXX XXXX XXXX, XXXX IN XXXX. The customer service rep said yes, thats the address where the check would be mailed. 
XX/XX/XXXX, and I still had not received the cashier check, so I placed after to Chase customer service. I explained the reason why I was calling and gave the rep my information. I was placed on hold while they went to pull up the account. I explained I had not received the cashier check and if there was an update on when the check would be issued. They looked into my request and came back saying a cashier check had been spent out but was able to tell me who the check was made out too or where it was it mailed to. The only thing that they were able to tell me was a cashier check was processed on XX/XX/XXXX. The rep was able to give me a XXXX tracking number, which I was able to track and see that a package was delivered to XXXX TN on XX/XX/XXXX. 

The rep could not tell me who the check was made out to because they could not see that on their end. The call ended with sorry I couldve been more helpful. You might need to contact your local branch office for more assistance. 
I quickly made an appointment with the branch office in XXXX XXXX. My appointment was made for XX/XX/XXXX @ XXXX. XXXX Chase Bank manager was very attentive to my concerns, and she begin looking into why I was told by the rep on the phone that they were not able to see who the check was made payable to. After looking into the account XXXX made some calls to find out why the image of the cashier check was not visible to see. She was told the account wS handled by the back office. After being put on hold and transferred to different departments, XXXX had to ask if she could look into this account more later and give me a call when she found out more. To fast forward Chase bank has not been able to tell me who authorized the account to be closed or show an image of the cashier check that was mailed out. I was called to come to the bank to sign a declaration of lost stolen or destroyed cashier check. I didnt sign the document because I didnt agree with me saying I LOST the check. This account has been with Chase for over 20 years and I didnt think I would have to go through soon many problems to resolve my deceased uncles account.
Product: Debt collection

I looked at my credit report and noticed a charge off & that is a debt that is discharged!
Product: Mortgage

I contacted your agency for assistance about Bank of America and the fourclosure process in which I felt XXXX  fraudulently fourclosed on my home at the time and received a response from them through your " process of complaint '' proceedure. I am again asking your agency to investigate the " larceny '' of subterfuge behind closed door egregious and chicanery I was subject to while trying to get my mortgage modified. I was never able to get in touch with the person ( s ) to actually have the mortgage modification process proceed. In addition, I enlisted the help of the XXXXXXXX XXXX XXXX  to help and again they were stonewalled and received no help what-so-ever from XXXX. I am enclosing documents that directly contradicts what XXXX say 's they did and what actually transpired in their own admittance. Since I never started the process how could I have sent anything remotely resembling evidence to the contrary? Lastly, bank of america sent me multiple documents in hopes of quailing this inquiry but failed to send me any copies of said request of my wanting to modify with my original signature. In addition I believe they broke and or ignored the " LAW '' because I never received the original deed of ownership from them as well. I felt they or their representatives did not actually own the property when they fraudulently fourclosed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for credit repair service to fix the problem, but credit bureau has not yet fixed it.
Product: Debt collection

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records o
f convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit card

On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.