23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXXXXXX XXXX # XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Student loan

I have a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Clark county collection. Despite my repeated attempts to rectify this matter with Clark county directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness.
Product: Debt collection

Wells Fargo Bank Credit card # XXXX Credit Card Debts due to scam. Although this case is being closed. I request Wells Fargo Bank to freeze the debt collection for now since police investigation needs to take some time to seize the criminals. 
I plea the Wells Fargo Bank to investigate one of the criminal 's bank account, which belongs to Wellsfargo Bank. Please see the attached document. 
And I did not use any of that money, I need to wait for the criminals ' investigation done.
Product: Credit card or prepaid card

A flight purchased through XXXX on XX/XX/17 was cancelled on XX/XX/2017 ( non-operational ) and I was promised a refund by XXXX ( flight was through XXXX XXXX ). I have the email from XXXX to prove this ( see attached ) XXXX never followed through with the refund ( 2 tickets at the price of XXXX ) so I filed a dispute with Capital One. Capital One initially credited my account for those flights and SEVERAL months later I receive a transaction REBILL on my credit card statement because XXXX disputed this saying I owed for it. 

XXXX disputed my request for refund even though the flight was cancelled. Capital One asked for proof which I sent ( email AND itinerary print out of my XXXX account showing it was cancelled ) and they closed the claim on me stating that I am past the statue of limitations with my claim. They sent a letter to me initially asking for more information in writing which I never got ( I had called due to the rebill on my online account ). Capital One said they would review my info even though it is past the date they requested it is received by. Then they refused everything I sent in. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 5 university loans that were serviced by my previous loan servicer, Conduent, which has now turned all my loans to XXXX. I looked at my credit record and say that they reported late payments in XXXX and XX/XX/XXXX, which is not true. I have been paying my loans since XXXX with no late payments. I didn't receive anything regarding late payments in the mail either. There is no working number or email associated with Conduent anymore as it says it has been decommissioned. It seems like online there are multiple borrowers that are in the same situation as me where payments were not applied correctly. I have the ability to pay off all the loans entirely so it is frustrating that they reported deliquent payments against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$3500.00}
Product: Debt collection

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) XXXX XXXX XXXX XXXX is a debt collector Account name : Paypal Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the mist of trying to buy a house. I realized I had damages on my report due to a charge off. I did not receive a 1099 form from the company. According to the 15 U.S.C 1681 Law there should not be damages on my report it is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim Of Identity theft with These Accounts XXXX XXXX   open Dates XXXX XXXX {$4000.00} XXXX XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open
Product: Mortgage

On XX/XX/XXXX I purchased a condominium that had been foreclosed on by the homeowners association on XX/XX/XXXX. On XX/XX/XXXX E Trade Bank instructed XXXX XXXX company to record a full reconveyance of a prior owners loan against the home ( That prior owner had not owned the home since the foreclosure on XX/XX/XXXX ). The reconveyance indicated that the mortgage company had no interest in the property. In XXXX after I purchased the property and cleared all tax liens and repaired the property to live in it {$60000.00} the mortgage company filed a rescission of the reconveyance stating on that document that an error had been made and they did not intend to release the prior owners mortgage. I filed a dispute with E-Trade and XXXX to which I received the reply that the prior owner from XX/XX/XXXX called and stated that he was a victim of identity theft so the reconveyance should n't have been completed. ( This is no explanation for why they would do this ) I am filing a complaint because I relied on the clear title at the time of purchase that I have record of and I believe the mortgage company released interest in the property due to many liens against the unit and its poor condition. They enticed me to invest in the property by recording the lien was not in place. As soon as they found that I had purchased and improved the value of the property and paid all the liens off. They then reapplied their lien. This is simple and plain fraud on the part of the loan company and the XXXX company they are attempting to call a " mistake ''. However their Vice president and XXXX had to go before a notary and record a deed in this error so I believe it is intentional. I put nearly all of my savings into this home and I ca n't reside there or sell it now.
Product: Credit card or prepaid card

ON XX/XX/XXXX I PAID OFF MY ASPIRE ACCOUNT IN THE AMOUNT OF XXXX. I ACCIDENTALLY PAID IT OF TWICE. IN TWO PAYMENTS IF XXXX Totalling XXXX. 
I contacted Aspire on XX/XX/XXXX via text chat. I texted with XXXX. He said " I will have a refund request forwarded to the appropriate department. Please allow 7 business days for internal processing and an additional 10 business days for you to receive the refund check. 
Then on XX/XX/XXXX Aspire closed my account out of the blue, saying because of " inactivity on my card ''. 
This made my credit score drop XXXX points! I have had XXXX XXXX on time payments. 
Then on XX/XX/XXXX they said I was issued a refund. 
They didn't send a direct payment to my bank account. I called the on XX/XX/XXXX to see when I could expect a payment, if they sent it to my bank account. 
I talked to XXXX. Then he told me no, it wouldn't be going directly to my bank account, that I would have to wait another 7-10 business days for them to process a check, then wait another 7-10 business day to receive my check in the mail.
Product: Credit card

For CC # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX My wife and I remitted payments of {$5100.00} and {$4200.00} which XXXX XXXX bank XXXX XXXX almost immediately, XX/XX/XXXX. We used my wife 's bank account as it had the funds to pay the entire balances before our intro 0 % APR promo rate expired. 

We were told there was a routine 5 day hold on the payments before the credit could again become available ( which was needed to pay other clients for our small business ). During the process, I made daily attempts to pay these clients XXXX XXXX and was declined as the " holds '' were not done. Finally a {$2000.00} payment went through on XX/XX/XXXX and I assumed all was right. 

Both my cards were subsequently locked and frozen, and during a call on XX/XX/XXXX a " XXXX XXXX '' (? ) went on to tell me they suspected fraud and were locking the accounts until early XXXX essentially telling me the Bank XXXX to make sure the payments " cleared '', as they were made from an " account they did not recognize ''. 

Bank payments have XXXX possible statuses : Cleared, pending, rejected. XXXX cleared without any questions on XX/XX/XXXX. Several B of A phone reps told us, and XXXX XXXX told us. Bank of America is fraudulently holding {$10000.00} of our money " in suspense '', without interest, despite these funds being long out of XXXX account. 

XXXX XXXX phone operator XXXX today confirmed the funds left our account and cleared on XX/XX/XXXX, and gave us the payment ID : XXXX. 

I subsequently cancelled both B of A cards in this phone conversation, and demand remuneration for this absolute nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my report from Early Warning and saw XXXX XXXX put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX  on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a XXXX to call an office so I can pay them when I am in the bank trying to keep a positive standing with them Regions needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I logged online to check my XXXX Card ( issued by XXXX XXXX   ) account prior to ordered a sample backsplash tile to update my kitchen. Upon checking my account balance, I was startled to learn that my available credit was {$19.00}. I was surprised because I knew I should have had more than {$300.00} in available credit, with a balance of {$370.00}, which put my utilization at a little more than 50 %. On XX/XX/XXXX, I received an email ( and a few days later, a posted letter ) alerting me that my credit line had been increased. Only after that did I make another purchase of a little less than {$100.00}. I have done nothing but pay my bill on time every month, and I usually pay a little more than my minimum payment each month. I called tonight, XX/XX/XXXX, and was told that the bank must have received information that made it lower my credit line increase. While on hold to speak with a supervisor, I checked my credit score and learned that my score was updated just today and has been steadily rising. In fact, with XXXX now dropping my credit line, my credit utilization has sharply risen to 90+ %, which will definitely have a negative impact on my credit. 

My issue here is that with an offer of an increased credit limit, my use should have been acceptance of the offer. Therefore, their reneging on the terms seems less-than-honest, especially for a customer who has consistently paid on time, and this will have a supremely negative impact on my credit report in a way I had no control over happening. Additionally, while I understand from speaking with the supervisor tonight that a letter has been mailed, it is a poor policy to drastically reduce a credit line without so much of an email saying that something changed on my account, allowing their customer to be shell-shocked by a suddenly-increased credit utilization on their account. I am disappointed in this company, and I am seriously considering whether I want to continue doing business with this company. While my {$390.00} may not be significant to XXXX, it is significant to me, and I will make sure everyone I know is aware of the shady practices this company displays to faithful customers who pay on time and never exceed their limit.
Product: Credit card or prepaid card

On XX/XX/XXXX, at XXXXXXXX XXXX  someone broke into my car and stole my purse, my Old Navy credit card was in my purse among other belongings. 
I called Old Navy customer service and reported the card stolen at XXXX XXXX and requested to close the credit card. Two hours later I received a text from customer service notifying me of suspicious activities on the card. 
Whoever stole my purse used it at a near by Walmart and made XXXX purchases, {$200.00} each. 
I called customer service and asked for an explanation as for how they failed to close the account when I reported the card stolen, they said it's under investigation and that I should receive a letter within 7 to 10 business days regarding the issue. 
I haven't received any letters until today XX/XX/XXXX. 
When they sent me a new credit card later in XXXX, I logged in to the new account, it's not showing any transactions on XX/XX/XXXX, the day of the Fraud Activities, all it shows is a balance transfer from the old account to the new account for the amount {$1900.00} and I had to pay the balance hoping that they would resolve the dispute and refund me. 
I made several calls to the customer service, all I hear is the dispute is still under investigation. 
I don't have a proof of the fraudulent transactions because I no longer have access to the old account and all they display on the new account is a balance transfer. 
I don't trust the Old Navy credit card company because of their poor performance and probably ill intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I report my Amex card lost in XXXX and then also dispute fraudulent charges as well on my account. 

A dispute was report for the lost card XXXX XXXX travel Was fraudulent and I didnt travel out of XXXX in 2017 around XXXX or XXXX to XXXX never been to XXXX but Amex continued to charged me {$12000.00} interest on this charge on top of my outstanding. 

I have numerous times and they explanation just take out the {$12000.00} out of it and not remembering that they have compounded the interest on top of the fraudulent charge to XXXX. 

I also want to note that my XXXX XXXX XXXX never signed up for any Amex card. Why is it being false reporting on my credit. XXXX XXXX XXXX its an incorporation business and never signed up for an Amex card. 

I XXXX XXXX personal owned an Amex card which got stolen and Not the XXXX XXXX XXXX business. 

XXXX XXXX has now had damages to its credit line for the false reporting claims against it and have been discriminated against by banks because of this law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX  was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.
Product: Debt collection

I received XXXX postal letters from Accelerated Receiveables Management , Inc. I verified that they are not licensed and have been in contact with the Arizona Department XXXX XXXX XXXX that has been investigating this company as they are not licensed in Arizona as a debt collector. In email conversation with the XXXX of the company XXXX XXXX she stated I will transfer this to my law office I do not need a law license to sue there meaning Arizona.