23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On Sunday XX/XX/year> I received a text message from XXXX XXXX regarding the procedure for obtain a new debit card for which I did not request, the message notified me that if I did not request the new card to XXXX XXXX immediately. Upon waiting hours to speak with a representative about the unauthenticated card replacement I was informed that the individual also requested the new benefit card to be mailed to a different address not associated with my own account info and requested the new card be sent XXXX mail delivery which a charge of {$13.00} was immediately deducted from my account. 
The representative also informed me that the individual who changed my mailing address also changed my email address and was informed that the request for the unauthenticated and unauthorized card would be processed. I was informed by the representative to request a new benefit card myself to ensure that benefit be processed to myself and the {$13.00} expenses would be waived. Upon receiving the government benefits XXXX XXXX fail to return the {$13.00} x XXXX and charge a {$4.00} card replacement fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a dispute challenge letter to ( TransUnion ) in  reference to ( XXXX XXXX XXXX  ) and company it was transferred or sold to ( XXXX XXXX XXXX ) in XXXX of 2019. I believe that TransUnion has not investigated this account has they say that did. 

Reason : Both ( XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) still  appears on my TransUnion credit report as updated & verified. 

TransUnion is in violation for reporting a collection account. ( Of which currently reports an inaccurate date of last activity ) a violation of FCRA. TransUnion does not report last date of payment on a collection account. A violation of FCRA. 

TransUnion currently reports inaccurate high balance & or credit limit. A violation of FCRA
Product: Money transfer, virtual currency, or money service

XXXX- I sent XXXX via XXXX through BBT to XXXX for purchase of a personal computer and I did not receive the item. I saw this item on XXXX. I contacted my bank and they said the money had been delivered to the party and there is nothing they can do to reverse the transaction.
Product: Credit reporting or other personal consumer reports

World Finance Corporation has listed my debt as " written off '' on my credit report. The original debt was {$620.00}. The contract date was XX/XX/year>. I am entitled to a 1099C for this income. I am requesting a 1099C to file my taxes correctly. The " write off '' amount was {$1000.00}, yet on my credit report the debt amount is listed as {$1200.00}. I would like this clarified and a 1099C drafted because this in income. 
Thank you in advance for your help in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the ( FCRA ) ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed several collection items with Experian, XXXX and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Product: Credit card

I have a credit card with Citibank and I have multiple charges on my account that I have disputed. Last year around the same time I already disputed the charge and it was never resolved. They claimed it was my responsibility. the Merchant is XXXX XXXXXXXX. I reiterated that I'm not interested in renewing my XXXX XXXXXXXX account. However I was charged last year on XXXX XXXX, XXXX, and again this year- XXXX the same date I'm charged for another year. I've explained to XXXX XXXX multiple times that I'm not interested in a paid membership. The original payment was {$74.00} XXXX ago and then they jacked up and kept charging me. I reached out to my credit card company explaining this and they refused to assist.
Product: Credit reporting or other personal consumer reports

Some tried to open a credit card account in my name with XXXX back on XXXX 2023. I don't recognize this. I didn't authorize it either. 
XXXX Hard inquiry ( XX/XX/year> )
Product: Credit reporting or other personal consumer reports

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent items from my file.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent items from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date opened : XX/XX/year> Balance : {$0.00}
Product: Credit card or prepaid card

XX/XX/2017 - {$1.00} was charged to my closed credit card account When my account was requested to be closed over 3 months ago, BofA did not monitor fraudulent deposit going into my closed account for 3 months and they did not send me my final bill.

In a letter over 30 days ago, BofA stated that they will not assess any fees to my closed account till all the fraudulent deposit was reversed/expensed out and they will provide me a final bill. Then on XX/XX/2017, they went back and charged me a {$1.00} late fee and went back on their word.

The problem was BofA did not give me a final bill because there were over {$10000.00} of fraudulent credit going into my account, while they were reversing the money laudering credit with the use of my closed credit card account ... they never send me a bill saying how much I was to pay, I made assumptions the last month and mail some money in, then a statement showed up now that I still owed

{$50.00}, off course, if that 's the final bill to end this fiasco, I had made an immediate overpayment with the {$1.00} minimum interest charge included. But please, as my 3rd CFPB complaint, send me my {$1.00} for screwing with me!! ... of which {$1.00} divided by {$48.00} x 12 months = 37 % annualized interests being charged ... BofA are crooks!!!
Product: Debt collection

According to the FCRA 609 ( a ) ( 1 ) ( a ) Transworld Systems Inc is required by FEDERAL Law to respond with all the requested information in my Validation letter with in 30 days. They have failed to respond in writing therfore they are in violation of the Law. I demand that they stop reporting this negative information to XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

Personal Statement for CFPB Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License XXXX Proof of Identity ) -Copies of a XXXX & XXXX XXXX ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Checking or savings account

On XX/XX/year>, Wells Fargo asked me to close my account by bringing my account balance to zero because I was a non-resident. However, I was prevented from transferring my money out of this account to my other USD bank account because of non-resident accountholder restrictions. Wells Fargo XXXX assistance said they would send me a check instead. I explained that my XXXX bank was no longer accepting USD checks and requested that payment be made electronically to my nominated USD account. No check was received, nor any transfer to my nominated USD account. I reiterated my request to Wells Fargo by later telephone, but they were unable to help as they could not find a specialist to assist. I re-submitted my request in writing to Wells Fargo with nominated account details via my Wells Fargo online banking portal. On XX/XX/year>, the balance of my savings account was reduced to XXXX  with no explanation or advice from Wells Fargo as to where this money disappeared. Wells Fargo has closed my online banking portal and is unable to explain by telephone where the money went or why it was not transferred to my electronic account.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my credit report from XXXX  and TransUnion there is credit inquiries that I did not make. XXXX bank on trans union saw XXXX as well. XXXX has inquiries from XXXX XXXX credit Card Cos. Also capital one. I did not make these inquiries. Please take them off
Product: Money transfer, virtual currency, or money service

On Messenger a person hacked into the XXXX  Arizona '' s Mayor 's personal account an sent me a message about an available program from the Government that I might be eligible for, sort of like a grant for {$50000.00} that I would not have to pay back but I would have to submit a payment of {$350.00} with the application. I also had the Mayors personal number as our conversation did not sound the same, I could tell by the reply 's something was off.

Thank God I didn't give any personal info but I have theirs.

If you want more info please send me info on who to report this to.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I have sent LexusNexis XXXX requests for my report, XX/XX/XXXX, and XX/XX/XXXX. 
I included a copy of my drivers license, social security card, and a Electric Statement my home address, with my request. Lexus Nexus sent me reply letters stating they still don't have enough information. 
I had no trouble with XXXX, XXXX and XXXX. 

I don't have a printer, so I had to go to the library to copy those items, and I have done enough. I I understand from what I am reading on XXXX, that this is a Stall Tactic because they are behind, thus Lexus Nexis in violation of the FDCPA.. 

Please have them stop reporting my information as follows, and send my a confirmation letter, stating that they have halted reporting my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you, XXXX M XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XX/XX/XXXX, Transunion, and XX/XX/XXXXcredit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Product: Vehicle loan or lease

In XXXX of 2024 car loans was purchased from GM FINANCIAL without my consent or authorization ( account XXXX in the amount of {$110000.00} also account XXXX also opened in XXXX of 2024 with the amount of {$97000.00} ), these accounts reflect me of being a victim of identity theft, I have notified the FEDERAL TRADE COMMISSION of these actions along with the 3 credit bureaus. These accounts dont reflect negative information on my credit reports but positive, but these loans are not my loans.
Product: Debt collection

Attempting to collect on an alleged debt. Being harassed by apartment complex as well as the debt collection agency. Cease all threats, contact and harassment. As well as removed alleged debt from credit. Damaging credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED AND NEW INFORMATION ON EXPERIAN : On XXXX  I stated that EXPERIAN has made false statements and violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ). You can see more information about that and my identification information here : CFPB CASE NUMBER:XXXX Today is the XXXX day ( XX/XX/XXXX ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i ( a ) & 15 usc 1681i ( a ) ( 5 ). Experian has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified letter to Transunion disputing a debt collector failing to respond to my validation letter and failing to update the status of my account as disputed. Transunion received my letter on XX/XX/XXXX and, to date, still has not processed my dispute. It's been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.
Product: Mortgage

On XXXX XXXX, XXXX XXXX XXXX XXXX filed a foreclosure complaint ... my mortgage and note that was duly executed by the original holder of the note, ( XXXX Mortgage ) Mortgage Document No. Recorded # XXXX in the XXXX XXXX recorder of deeds. later in the case XXXX f/k/a XXXX XXXX XXXX assigned it to XXXX XXXX XXXX, XXXX without notifying me and my husband. The loan is a XXXX. loan. they did not have a face to face meeting before filing the foreclosure complaint which is in violation of Federal Regulations governing its mortgage law pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) and which are set forth in XXXX XXXX XXXX my FHA loan number is XXXX XXXX now they which/ assigned it to KONDAUR CAPITAL CORP. who says they do n't have to do/or give any modification.
Product: Debt collection

N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer agency can not furnish a account without my written instructions