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

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Since XXXX I had noticed having unrecognizable transactions in my main bank account. As I had always assumed used bill pay to pay bills and make deposits to my acct at another institution, I never had used wire transfer as a way to send funds. Upon my discovery of possible account/identity fraud ; my account with flagstar had received an unexpected zelle transfer that needed a verification and when I questioned it I never received a response nor funds. At one point the account had listed other accts that seemed attached from multiple banks of financial offering and I had sent in a request to the banks I regularly dealt with as well as the transfer company to find out what was linked and about the rare notice. As I never received a response I had just began using the service as I needed to now use the only savings I had because of the fraud I've been dealing with ever since I inquired about the original process of transfer not making sense. As I have made transfers I noticed that bb & t was linked yet, I wasn't aware of this account and have never been notified. Since it seems to me that the original concern has gone unanswered I am attempting once again to get information on an acct linked to my bank via XXXX and find out how long it's been active and why no communication has ever been made. I have already put in another request for acct profile information to offset the increased problem I'm having with getting information on sum thing that thru a verification process ; shouldn't take so much work. It has been a concern that not only is identity theft possible as I have seen information on my birth altered in a way that the situation would assume a laundering of funds that had been filtered by this method as the questions asked when verifying identity would include date of birth. My attention to this was brought on by a XXXX call that said my year of birth was XXXX, when it's XXXX. And with my acct limited access for a long period of time along with finding my phone number being hacked n emails redirected as well as opened with no knowledge, I am researching the situation in a different approach as I feel the original request must not have flagged all the institutions involved.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my XXXX card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with XXXX, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from XXXX be considered when reviewing my credit history.
Product: Debt collection

On XX/XX/2019 I sent a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX to Midland Funding. It shows that my dispute letter was received on XXXX XXXX at XXXX XXXX. In my letter of dispute I informed the collection agency of my dispute and that I was requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In my letter I also request " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. in which my letter was all ignored and instead they are sending me letters threatening to sue me. They are in violation of the FCRA & FDCPA because clearly they are unable to validate this supposed debt by ignoring my dispute and instead of sending me proof of validation they are in turn sending me letters threating to sue. Not only are they in violation of my rights they are clearly reporting a false policy on their website when it comes to debts. practicing the very opposite of what they are committing.
Product: Debt collection

XXXX I received the letter state that " we have tried to contact you '' ( that is false ), to collect debt from hospital ( service date XXXX ). 
There is no medical bills, no explanation, just order to pay {$2700.00} before XXXX. 
And threads that this is " amicable manner '' Company represent itself as PCB XXXX XXXX XXXXXXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX I have medical insurance, and I never received any " bills '' from hospital, that PCB "  represents ''. Beside that - hospital has my insurance information.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my report regularly, but this time there were random discrepancies. I even tried refreshing the page thinking it was just a glitch, but nothing changed. The wrong accounts stayed there. Given this situation, I need the documents I've sent to be reviewed carefully so I can stop worrying about this once and for all.
Product: Bank account or service

My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's all.
Product: Credit card

I've got a 360 account with them year ago I have know access to that old number 12 months ago I've moved had gotten a recovery phone that I lost the other one. They choose to stereo type because XXXX  good credit so figure let 's give XXXX XXXX XXXX XXXX had my cards one week without activation why capital one wants to upset individual.i sent fax paper to capital one thru XXXX  XXXX would fax them a copy of my XXXX XXXX XXXX XXXX XXXX of general relief my social worker willing to email a copy of who I am know couldn't accept. Wow they know who I am trying to make me remember a year ago phone number of mine I can't I've updated knew XXXX phone. Social security number exist in their system but my phone number doesn't there for can't activate your cards.im stuck with a none activated card credit score now XXXX points added on to hurt my credit score for a none activated card
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the XXXX XXXX ( XXXX XXXX XXXX XXXX ) account from my Equifax consumer report. This account was reported without my consent and falls under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction, constituting identity theft as defined by the Federal Trade Commission ( FTC ). 

Firstly, I want to clarify that this account is not related to any transaction authorized by me. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 

The reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, including attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. 

In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. 

Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a credit sweep as I have identified several inaccuracies on my credit report that do not reflect my actual credit history. These inaccuracies are negatively impacting my credit score and hindering my ability to secure credit. I believe that these errors may be a result of outdated information or incorrect reporting by credit bureaus. 

You are requesting a credit sweep to address inaccuracies or outdated information on your credit report that may be adversely affecting your credit score. This process aims to ensure that your credit report accurately reflects your credit history and financial behavior, thereby improving your chances of securing loans, mortgages, or other financial opportunities.
Product: Debt collection

XXXX XXXX contacted me on through the XXXX XXXX XXXX XXXX online dating app. He continuously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He XXXX  XXXX  to give over my social security number, a photo of my drivers license, and all my banking details. He stole money out of my bank accounts and had my banks shut down. He put fake checks into my account and fraudulently used my banking information to pay for XXXX to erase any internet data so he could not be traced. I told him to stop but he refused. All of the transactions were unauthorized. I never heard of Fig Loans LLC until I saw it in my credit report. I never applied to any of those loans. I did not consent to that loan. I tried to contact Fif Loans and they told me I do not have an account with them but it is still on my credit report. I also gave them a handwritten statement attesting that I did not open that loan nor did I ever give any permission to open that loan under my name.
Product: Vehicle loan or lease

I went to a car dealership in XXXX XXXX XXXX Florida to purchase a vehicle in XXXX XXXX At the time i had no job, was working on and off with XXXX and XXXX ride sharing companies. Unbeknown to me at the time, someone from the dealership made up a fraudulent income on a form and used it to qualify me for the car. The interests was high, and i was told to pay about {$600.00} per month because of the false income they made up. I realized later that it was a regular practice with the dealership and the finance company. This finance company has been sued by at least 34 Attorney Generals in various states for deceptive practices, predatory loans etc. They settled, but continued these fruadulent practices. I sued in Federal Court and it was dismissed sending me to arbitration. I went to arbitration and they turned a blind eye saying that they have no jurisdiction in the matter. I struggled with this predatory loan for 6 years, then could not keep up anymore. So the finance company as usual repossessed the car on XX/XX/2022. 
This is injustice and i as a consumer needs help. Thanks in advance.
Product: Credit card or prepaid card

XXXX  canceled my flight and the the country I was visiting had a travel band. The airline never returned my money.I sent supporting documents several times. Capital one claim I never did.
Product: Debt collection

On XX/XX/XXXX, Portfolio Recovery XXXX XXXXXXXX XXXX my bank account. 
I never received a court summons, so the court and plaintiff garnished my bank account without my legal right to defend myself in court. 
A debt from XX/XX/year> that had been dismissed by court The law firm managed to reopen after illegally bypassing the statute of limitations of 5 years. 
Amount : XXXX I did not get any documentation about this debt.
Product: Checking or savings account

On XX/XX/XXXX I realized that monies were transferred from our savings account to XXXX XXXX  in the amount of {$27000.00} without our knowledge or consent. I immediatelly called bank of America and informed that we were out of the country ( XXXX ) and did not authorize any transferring of funds. Bank of America put an immediate freeze on our account and upon our return on XX/XX/XXXX we went to the bank to find out what was happening. We were told it could take 45 days to be disputted. On XX/XX/XXXX we received a letter from bank of america stating that the claim was closed because XXXX  XXXX   sent them proof of our enrollment or authorization. Since we were out of the country, I do not know how this was done. I have continued to dispute this and have notified our local police department of fraud.
Product: Vehicle loan or lease

I have sent over the needed documentation ( XXXX XXXX orders, XXXX  that shows we pay Louisiana taxes, member details that shows our Louisiana address as home of record, marriage license ). I have even sent over a letter outlining the entire law and highlighting points that make us eligible. On the phone the reps continuously inform us that we are qualified and they do not know why it is being denied but they are submitting it to their management to be approved immediately and not to worry about it. Then we hear nothing until we get a denial letter in the mail XXXX weeks later.
Product: Mortgage

Recently, I was made aware of the {$180.00} Million settlement awarded from the {$3.00} Million Forbearance Class Action Lawsuit initiated by the CFPB. 

I contacted Wells Fargo Mortgage in reference to account # XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX employee # XXXX for XXXX minutes. Proof of call attached. They should have a recorded copy to verify my statement as well. 

My mortgage was paid in full XX/XX/XXXX. I verified my contact information and address for correspondence with XXXX as XXXX XXXX XXXX XXXX XXXX, MI XXXX. He stated. my account has not been audited for remediation ; moreover, that I was not sent communications to file a claim. Prior to my call I tried to verify the status on the court website and Well Fargo has disabled access. Proof attached. 

My forbearance situation did not include the option to roll payments to the end of my mortgage ; furthermore, I refinanced the house to buy out a coborrower ( ex-husband ) in XX/XX/XXXX. Attached, I was required to make all forbearance repayments with interest to complete the transaction. 

It was my understanding Interest was supposed to be waived under Covid 19, which was why I even considered the forbearance in the uncertain time of the Pandemic. In the attached statement, I was required to make {$15000.00} in payments that included Covid interest forbearance payments of {$3700.00}.

After reading the Class Action litigation I was quite surprised I was never contacted regarding a claim, moreover, that XXXX was extremely evasive as to assisting with my inquiry or claim intake. He advised I needed to wait for a letter. As we both know there is a timeline that requires information be submitted. If Wells Fargo is not sending out the required notices to account holders, they are in violation of the Class Action agreement. 

Thank you kindly for you intervention and follow up regarding this matter. 

XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018I am calling in reference to a resolution payment for a credit card of XXXX XXXX the debt was for {$4000.00} and change. I made an offer of {$2000.00} and they did not want accept my offer. I tried several times to fix the problem spoke with two different collectors and a supervisor at the end I had to pay {$3600.00}. I had the offer of {$2600.00} before but to bad advice from my friend I lost the offer and due to that I was penalized.the company is Federated Law Group,XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX
Product: Credit reporting or other personal consumer reports

For over 6 years I have requested the following Companies To VALIDATE these Collection Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in 6 years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my Fault that these companies ignore the FDCPA and just put accounts into Collections or Charge them off without proof of the debt. All I requested was a Simple Statement that VALIDATES these debts? XXXX XXXX  sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus Also never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX ACCOUNTS XXXX  XXXX XXXX Account type Debt Buyer XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I attempted to open a checking account with XXXX XXXX, XXXX, XXXX, XXXX, and was denied to to some information XXXX had. I called the company and requested the information the report contained. I never received any response from my inquiry. I do believe there is negative information on my report preventing my opening a normal checking account. I need to correct the report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$670.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ). Its been over XXXX days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX at Equifax. this is not my account, XXXX XXXX XXXXXXXX XXXX ( CLOSED ) Account Number XXXX XXXX
Product: Debt collection

This letter is an complaint of inaccurate information according to the fair credit report act section 609 A 1A i am required by federal law to verify through physical verification of the original sign contract any and all accounts that I pulled on the credit report I demand to see verified proof if been a validate remove from my account immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.
Product: Credit reporting or other personal consumer reports

Experian with another ridiculous explanation to a complaint closed again by this fraudulent company
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 : 1. XXXX  / XXXX 2. XXXX  / 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 EXPERIAN 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 accounts 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, hoping that you make a better decision in my situation, thank you