23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was notified that a credit card account was opened under my name. I immediately contacted Wells Fargo and was told they would do an investigation. Over a month has gone by and my credit report is still reporting an open account from an address I do not recognize. Wells Fargo has sent me a regular card statement but has not contacted me to give me an update and has not told me whether the card is closed. I am concerned this is on my credit reports and that it may be used for fraudulent purposes
Product: Credit reporting or other personal consumer reports

After receiving a copy of my consumer report I've noticed that there is inaccurate information and accounts thats being reported. I then reached out to the creditor reporting this account and asked them to provide me any signed contracts, agreements, or receipts that verify the alleged debt. I also asked them to cease all communications with me which by definition, reporting this account to my consumer report its a form of communication in which they must remove. How can there be an alleged debt if there isn't any contracts or agreements between me and the creditor listed in my dispute letter. I never gave them the consent to obtain nor share my personal information which is a violation of my right to privacy. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Checking or savings account

I used my debit card to reserve a hotel booking for XX/XX/2020. Hotel instructions, says that the card is used to reserve the room and will be charged when I book in on XX/XX/XXXX. I have been calling the hotel from XX/XX/XXXX to cancel the reservation due to the Corona Virus and the fear of taking my family overseas. Neither the hotel nor the XXXX booking company have been responsive. On XX/XX/2020 I went to the bank, Wells Fargo, to advised them not to pay the hotel. Wells Fargo, advised me to cancel the debit card so that the hotel can not charge it and they issued me a new card. On XX/XX/2020 I got an alert that the hotel attempted to charge {$1500.00} to the cancelled debit card. I went to the Wells Fargo bank on XX/XX/2020 and they told me that the transaction is pending and I do not have access to the money. I asked them how could they process transaction against a cancelled card and they had no answer. Wells Fargo is about to withdraw funds from a debit card that they have closed. How do I get my money back from Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, Equifax and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Product: Debt collection

I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report. I can not recognize any of the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting

I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.
Product: Credit reporting

Summary of XXXX complaints against Experian that had harmed me by not not fixing credit mistakes delaying my mortgage process : 1. Inaction on a letter of correction for 12 days, 2. XXXX representatives gave me misinformation that this had been corrected, 3. On the XXXX day, the XXXX representative, finally verified the information, however refused to expedite the process of correction, further harming me by delaying the mortgage process by up to 3 more business days. On a further note, I asked to speak to a supervisor or manager to inform them of this complaint and possibly have this issue resolved before hanging up the phone. I was told I was being transferred to a live supervisor, but got a voicemail and I did leave a detailed message with my contact information.
Product: Debt collection

On X/XX/17 at XXXX XXXX I contacted IC System for a debt they had in my name for XXXX XXXX XXXX in the amount of XXXX. The Rep gave me the amiunt and I asked what kind of deal wee could make t pay it. He said he was authorized to reduce it to 75 % of the debt resulting in XXXX. I agreed and gave him a check by phone. He told me I would be receiving a letter paying the debt off and they would report it as paid that weekend. The check cleared my bank on XX/XX/17 for the amount of XXXX on XX/XX/17 instead of the pay off letter I was expecting to receive in the mail I received a new bill for the amount he reduced my bill for. Under our agreement I paid this debt off and no longer owe them anything. I have tried contacting the company and I have now disputed the debt with the credit burues. IC System has broken our agreement of the debt being paid off and is reporting it as a negative account on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS OUTSIDE OF THE CFPB AND HAVE YET TO GET FEED BACK ON REMOVING THESE ACCOUNTS THAT DO NOT BE LONG TO ME.
Product: Checking or savings account

I received a refund check from Regions Bank for overdraft charges and it bounced NSF
Product: Debt or credit management

Hello, most of the companies that I file for a credit card for or have a credit card has reported incorrectly on my credit report. I will try to get a credit card and they will deny me and still have that inquiry on my credit report I would like all of this to be taken care of please.
Product: Debt collection

They are calling my place of business and me and my wifes personal cell phone trying to collect a debt my father is. I have nothing to do with it. The name of the company is Account Control Technology
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Equifax XXXX and ( the consumer reporting agencies in question ), in reference to my initial complaint. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address, transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. I have attached a copy of my original complaint for reference. the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. I appreciate your attention to this complaint.
Product: Credit card

XX/XX/XXXX I reported fraud to XXXX XXXX, Citi Bank. I provided them with the police report number and a statement of the fraud. I was very clear that my credit card has not been used since XX/XX/XXXX. I am XXXX, XXXX, and unable XXXX XXXX or pick up purchases. When I asked how was this done or what was someone buying they told me they didnt know, but I had multiple charges and linked to an email that wasnt mine. I waited XXXX XXXX for a response, nothing. I called in XXXX and no one knew what I was talking about. I submitted the information again. I waited another XXXX XXXX and nothing again. I called back and they tell me they have no record of me and to call back. I called back and finally get someone that tells me that I am responsible for the fraud and I told them that I am not responsible for someone stealing my information and that I dispute it. No one ever called back. I called again XXXX  XXXX  later and again, no record of my report ; however they finally closed the card for fraud but did not discharge the charges. My credit has went from a XXXX to a XXXX. They are still charging me every month and my amount is still going up and now over {$2000.00}. I have always had XXXX XXXX paying on all of my debts and this is not getting resolved and I am not responsible for theft or identity theft. I want this resolved and removed from my credit.
Product: Mortgage

Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. 
Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution
Product: Debt collection

Triton Recovery Group has called, texted and emailed me several times .. Each time threaten me they they are serving my real estate broker with a UCC lien and all my past clients. They are threaten that none of my client will ever do business with me again. They are finding personal information and demanding they know how much commission I made.
Product: Debt collection

The following information is the account information and the amount that is supposedly owed by me. 

The account is from XXXX Acct # XXXX with a balance of {$1100.00} I am a victim of identity theft and fraud and have never had XXXX. I have been a customer of XXXX and XXXX XXXX XXXX. I am submitting a copy of my police report with my local police department. 

Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof of the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per fcra. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without it, it must be removed as per fcra. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter or email communication. 

I look forward to hearing from you soon. Have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter that Equifax received on XX/XX/2021. today is XX/XX/2021 and i have not receive any information regarding the dispute/investigation letter.
Product: Credit reporting

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
Product: Student loan

I have requested a refund for the additional payments ( {$100.00} over 4 loans ) on my student loans from edfinancial. They refused to respond and have taken my money for months now. I have already finished paying off my student loans and just want to know how to get my money back, but they are not cooperating in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor:XXXX  XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota, XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally dispute inaccurate and potentially unlawful information reported on my Experian credit report. I have identified the following issues with negative accounts and inquiries that violate the Fair Credit Reporting Act ( FCRA ) : Accounts in Dispute XXXX. XXXX  XXXX ( Account # XXXX ) This account is listed as charged off with a balance of {$560.00}. However, the payment history and balance reporting appear inconsistent. No payments are recorded after the account became delinquent, and the monthly payment requirement is listed as {$0.00}. I request that this account be investigated for accuracy, particularly regarding the reporting of past-due amounts and charge-off details. 
XXXX. XXXX XXXX ( Account # XXXX ) This account is listed as a collection account with a balance of {$690.00}. I dispute this account due to inconsistencies regarding the original creditor ( XXXX XXXX XXXX  ) and the amount owed. Additionally, this account may have been sold or inaccurately reported without my knowledge. 
XXXX. XXXX ( Account # XXXX ) This secured loan is marked as paid and closed, but late payments are recorded after the account closure date. This reporting is inaccurate and misleading. I request a full investigation and correction of this account. 

Additional Issues Unauthorized Hard Inquiries : My report lists inquiries by entities such as XXXX and XXXX XXXX XXXX XXXX that I did not authorize. These inquiries violate the FCRA ( 15 U.S.C. 1681b ) because they lack a permissible purpose. 
Inaccurate Name Variations : My report contains variations of my name ( e.g., XXXX XXXX XXXX ) that I have not used. This may indicate errors in the report.

I respectfully request the following : 1. Investigate the accounts and inquiries mentioned above for accuracy, including a thorough review of supporting documentation from the furnishers. 
XXXX. Remove or correct any inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a written explanation of your findings and the steps taken to resolve this matter. 


If this matter is not resolved promptly, I will consider additional legal action to enforce my rights under the FCRA. Please contact me at [ XXXX ] or [ XXXX ] for further details or to request additional documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against EQUIFAX. They reported an inaccurate information on my credit reports. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )
Product: Debt collection

I do not have and am not liable with any debt with XXXX XXXXXX/XX/XXXXXXXX. I do not have any contract nor do I owe any debt to LVNV FUNDING LLC. Only the original creditor which is me can verify a debt and the debt is not mine. Not only that LVNV FUNDING LLC is in violation of the fdcpa. Here are the statutes that they are in violation of. 

1. 15usc1692d ( 1 ) utilzing the consumer reporting agencies to harm my reputation. By listing this collection on my report, they violated my reputation. 

Infringed on my right to privacy as the natural person by listing a collection on my report.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the fourth time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was informed that My personal information was exposed in a date breach with XXXX XXXX who works for my healthcare insurance XXXX XXXX. My name, Date of birth, Social security number, address, email and medical records were exposed. I dont not recognize these accounts, they are a resultvof identity theft and fraud. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I demand that the aforementioned fraudulent items be removed from all of my consumer credit reports and that all collections activities cease. I have attached My FTC Identity Report
Product: Checking or savings account

Bank of America ( BoA ) has restricted my ability to make deposits and charged excessive overdraft fees when my account balance became negative. 

My local branches ( I am restricted by not having a car ) have not had tellers and do not expect to have any until at least XXXX, so I have not been able to make deposits. Note I am not a debit card user, so I can not use the ATM. I have not been able to make deposits on the Mobile app because of an app update that was recently pushed that my older XXXX does not support. 

I got an email notification from BoA on the night of XX/XX/21 alerting me to the issue and deposited the funds mid-day on XX/XX/21 to rectify the issue. 

Overdraft details : # transactions : 4 Dates : All transactions on XX/XX/21 Fees : {$35.00} per transaction = {$140.00} Total debits : {$2500.00} Previous balance : {$2400.00} Brought me to a - {$250.00} balance ( Unfortunately the biggest charge hit first, resulting in 4 overdraft fees instead of only 1. Not sure how this is determined ) I have been understanding about BoA 's labor shortage and technical limitations in this difficult environment and expect that they would suspend their overdraft fees in light of the difficulty of making deposits through their branch and apps for customers with limited means of transportation and older app platforms. 

Thanks!