23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Total Card Inc. that represent the client   XXXX   XXXX   XXXX   XXXX   charging me for a debt of   XXXX   that is not mine.
The date of the letter is   XXXX   XXXX  , 2017, but I just received yesterday and it says the original creditor is   XXXX   XXXX   XXXX   /   XXXX   XXXX   XXXX   XXXX   XXXX  .
I never had an account with   XXXX   XXXX   XXXX   or   XXXX   XXXX   so I don`t know why I am being charged.
I called  XXXX  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

This debt collection was already deleted and removed off my credit report but some how another company picked this debt up and now reporting it i have had service with at & t the company name thats now reporting this debt is Credence Resource Management address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX balance XXXX this is not my account i have no knowledge of this account and will like this removed once again and for them to stop reporting this on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that the spelling of my name is incorrect and there is incorrect/fraudulent information as well. Additionally, there is a credit union that has been sending me a statement every month, also with the incorrect spelling of my name, that shows I owe an outstanding loan with a balance of XXXX. However, on my report it shows that the account is closed and has been charged off as bad debt, profit loss write-off. The credit union 's information is not only incorrect but they themselves are also being deceiving and displaying abusive debt collection practices. I sent letters to all 3 credit bureaus and only one responded, stating that the information was verified and correct. In that letter the credit bureau also used the wrong spelling of my name! This is why they should be willing to absolutely verify and certifi-cate all information, show absolute proof and also provide the verification process that was used. You can seek a minimum of XXXX $ in damages per violation for : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act.
Product: Credit card

I have a charge card with Home Depot/Citibank. I had a outstanding balance of {$2.00} which I made a payment on time, in cash, at a Home Depot store. I Saved receipt. 
Citibank claimed they never received it. After calling three times to clear up. They continued charging my account interest payment for 2 months which they reported to credit agency as a failure to pay. My credit score went from XXXX to XXXX. 
I finally went to store and addressed the payment I made of {$2.00} on XXXX/XXXX/16. They discovered the cashier applied my payment to wrong account. Called back Citibank with Home Depot manager on the phone and she explained the error and we both were told they would take care of the mistake. They would apply the payment I made, reverse the interest charges and contact credit reporting agencies of there mistake. As of today they have not repaired my credit, reversed charges. I have personally talked to 2 Citibank supervisors, 2 regular agents that tolded me they would take care of this. No action. 
Please file a complaint and attempt to repair this situation of credit fraud. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
Product: Debt collection

I paid this debt In XXXX, It still went on my credit report as unpaid even after I paid it in full, I contacted the credit collection and they removed it, however, they still continue to send me notices and put it back on my credit report as a debt. I have contacted this agency more than once, I have also submitted proof of payment, which is attached, my bank statement showing the payment in full, back in XXXX.
Product: Credit card

My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are XXXXXXXX XXXX. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to XXXX XXXX XXXX and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX  : Credit card opened on XX/XX/XXXX under account number XXXX. 
XXXX : Credit card opened on XX/XX/XXXX under account number XXXX. 
XXXX XXXX  : Credit card opened on XX/XX/XXXX under account number XXXX. 
XXXX XXXX : Credit card opened on XX/XX/XXXX under account number XXXX. 
XXXX XXXX XXXX  Credit card opened on XX/XX/XXXX under account number XXXX. 
XXXX XXXX : Credit card opened on XX/XX/XXXX under account number XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries and collections appearing on my consumer credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : Immediate removal of the fraudulent accounts from all my consumer credit reports.

Cessation of all collection activity related to these fraudulent accounts.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account that I believe contains inaccurate information. The account in question is associated with XXXX XXXX, and the details are as follows
Product: Debt collection

This company was notified via mail by the attorney XX/XX/XXXX of the stop order because ch XXXX bankruptcy was filed. i also emailed them XX/XX/XXXX on five occasions of the bankruptcy and included case number and attorney information. My attorney also emailed and provided the case information. The company continues to automatically bill weekly and does not allow me to stop the automatic billing. When i called on XX/XX/XXXX, I was told the company has no bankruptcy department. 

attorney : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told I could make wired mortgage payments via XXXX XXXX at my local XXXX XXXX with XXXX Mortgage. XXXX XXXX gave me the option for " urgent '' payment for a fee ( XXXX XXXX ) or XXXX business day payment for free ( Check Free Pay ) and I was not aware these were XXXX different companies. Carrington Mortgage Company does not participate with Check Free Pay and I was not aware of this until my mortgage payments were not going through. I called Carrington Mortgage for several months trying to resolve the issue and it was finally investigated that there was no fault on my part and I had paid my mortgage for all three months on time. During the investigation, I was told by a Carrington Mortgage supervisor that during this investigation, the " late '' payments would not affect my credit and would not be reported to credit bureaus. After checking my credit report, XXXX payments are now being shown late ( XXXX, XXXX, XXXX ). I was the receipts showing all my payments were made on-time and were never late during this investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted 4 fraudulent XXXX XXXX  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$16000.00} XX/XX/XXXX
Product: Debt collection

Rent Recovery solutions was suppose to remove the item off my credit report. 
It was paid in full and not removed.
Product: Checking or savings account

Today is XX/XX/XXXX. I observed all transactions from XX/XX/XXXX as finalized, processed, and settled in my Bank of America account. I had a balance of {$1.00} on XX/XX/XXXX in the app. I got a regular deposit on XX/XX/XXXX. Immediately after the regular deposit posted, charges that were settled more than 5 days ago, are now showing as " processing '' and were debited as from the regular deposit amount. The amounts were showing on XX/XX/XXXX previously paid and settled. I contacted the fraud department for query and an explanation of why this was happening. I was told because of the holiday, the amount was not taken until XX/XX/XXXX. However, had that been so, the account 's previous balance on XX/XX/XXXX would have been higher than the {$1.00}. I explained that I am not an account, however, it appears I am being double charged by the bank and the line items are being manipulated in such a way to justify the bank double charging me for already paid transactions that I saw before the regular deposit was made.
Product: Credit card or prepaid card

The XXXX XXXX XXXXXXXX XXXX XXXX  I have called XXXX  times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX 

XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX  phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest.. 

My XXXX XXXX with all XXXX agencies has gone down over XXXX points. 
I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX. 

I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX  and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!
Product: Credit reporting, credit repair services, or other personal consumer reports

There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.
Product: Bank account or service

On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to do my free credit report on   XXXX   and some of their questions do NOT pertain to me and because I could n't give them a correct answer, I was denied my credit report. I paid off   XXXX    major bills and then they lowered my credit score and this is NOT right!! Experian is NOT doing their job and they are lowering my ability to obtain a loan even though I do not have ANY high balances ( except my mortgage ) on all my accounts.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX  - XXXX - {$7900.00} XXXX XXXX XXXXXXXX - {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts immediately.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Product: Checking or savings account

2 problems : 1 - Ally has repeatedly failed to send me a new debit card linked to my XXXX account as I requested. I had disputed a transaction so they cancelled my debit card ( without telling me ) and supposedly sent me a new debit card ( also without telling me ). When my old debit card didn't work, they said they had sent me a new card a month ago, but I never received it, so they cancelled it. And they said that they were sending me another debit card on XX/XX/XXXX- but it's been over two weeks and I haven't received it. I sent a message through Ally web site but they ignored it. 

2 - I asked ( through Ally web site ) about a retirement account XXXX and they said that I don't have such an account number- but that's the number I see when I log in. I sent them a message and screen shot through Ally web site on XX/XX/XXXX asking about the XXXX account, but Ally never answered. On XX/XX/XXXX I sent Ally another message telling them to quit ignoring me and answer my question of XX/XX/XXXX - that was a week ago and they have not answered.