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

Experian Credit Reporting Agency has been continuing to violate my Consumer Rights as well as the FDCPA. I sent them a letter regarding the entry reported on my credit report under US DEPT OF ED on XXXX, 2021. Then on XXXX XXXX I wrote Experian a follow up letter reminding them that they have Violated my rights as well as Federal Law.
Product: Credit card

Case number : XXXX. I am following up on this case number. I have attempted to contact Discover Card contact but have not received a return call. 
The response has not been in a timely manner.
Product: Debt collection

On XX/XX/2021, COMMONWEALTH FINANCIAL appeared on my credit file. I do not owe this debt. I have -- and have always -- had medical insurance. Has this company even attempted to bill my insurance company? What is this debt for? What was the date of service? I want this removed from my credit file immediately. Have they even sent me anything in the mail to validate this debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the fraud on my Social Security number was XX/XX/2020. The amount of the fraud is {$6100.00}. The company 's name is CKS Prime Investment, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The account number is XXXX XXXX. 

I have tried severally over the years to talk with the company that this was a fraud in my name, but they insisted I have to pay ( what I did not owe ). 

I never had a credit card in that name and the address used on the fraud is totally different from my address I have been living for 16 years! 

The company has consequently refused to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received an email from XXXX XXXX informing me of a new hard credit inquiry from a company identified as " XXXX XXXX XXXXXXXX '' submitted on or about XX/XX/2024 to Equifax and XXXX credit bureaus. The email from XXXX XXXX asked me to verify whether on not I had initiated of approved the credit inquiry in question. I contacted a XXXX XXXX agent. I informed the XXXX XXXX agent and thereafter an Equifax agent, that I did not make or authorize the credit inquiry ( notice of which appeared in my Equifax credit report and the email and communication from XXXX XXXX ), that I had never heard of the XXXX XXXX XXXXXXXX and, prior to the email from XXXX XXXX I never knew it existed. After discussing a range of negative impacts an unauthorized credit inquiry could have on my credit and finances, I used the telephone number I was given for Equifax Credit Bureau, and spoke to an Equifax agent, temporarily freezing credit inquiries, and requested that the credit inquiry from XXXX XXXX XXXX  [ XXXX. ] be removed from my credit report. The I attempted several times to call the number supplied for XXXX XXXX XXXXXXXX '', but was unable to connect with that company, although I heard a disturbing ring tone sounding like a fax machine, every time I tried. 
XXXX different Equifax agents I spoke to after that advised me to submit a Dispute to Remove the credit inquiry in order to have the inquiry removed from my credit reports. The last one told name I would need to submit the Dispute with identification documents and a Complaint to the FTC explaining the credit inquiry and how I had attempted to remedy the unauthorized use my identity and specific steps I had taken to remedy the situation. As described above I had taken reasonable steps to fix the problem. In addition the governments IdentityTheft bureau and reported the same fraudulent inquiry by telephone and the email and communication from XXXX XXXX  ), that I had never heard of the XXXX XXXX XXXX ''. Since Equifax is requiring a complaint manifesting my action to correct the situation, I plan to submit a copy of this report to them with my dispute to remove the offending credit inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote a letter to this company stating I am a victim of identity theft and en closed a copy of the identity report filed with the fraudulent items listed to be removed from my credit report. The company then reply back with a letter stating that the letter wasn't from me and I was working with a third party company and they will not fall though with my request which is false. This company need to address this problem immediately.
Product: Credit card or prepaid card

I received a text message at XXXX XXXX on XX/XX/22 stating this, Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. I checked my XXXX credit and found that a card had been opened in my name that I didnt apply for. I called Bank of America and got the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED or FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction. 

I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern, I am writing to formally lodge a complaint regarding fraudulent reporting on my credit profile by Experian. My ex-wife has unlawfully obtained services from XXXX in my name, and despite my numerous efforts, this fraudulent account has not been removed from my credit report by Experian. The incorrect information has already been removed from XXXX because they agreed it was unverifiable. But Experian continues to illegally report the issue on MY credit report. 

For over a year, I have diligently attempted to dispute this fraudulent XXXX account with Experian. Despite my efforts, Experian refuses and has failed to properly investigate and validate this debt, continuing to report it on my credit profile. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information can be reported on my credit profile. 

Experian 's refusal to validate this debt or remove the inaccurate information is not only unjust but also illegal. As the account does not belong to me, it can not be legally verified. I request that the Consumer Financial Protection Bureau intervene in this matter. This unresolved issue has negatively impacted my credit score and is preventing me from obtaining necessary financing. 

I ask for your assistance in addressing this issue with XXXX to ensure that my credit report is accurate and that this fraudulent account is removed immediately. Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Checking or savings account

I was the victim of theft on my account to the tune of {$2000.00} with my stolen debit card and I told Chase Bank this and they simply did nothing and reported my account to XXXX. 

I made it clear over and over this charge was not authorized by me and even filed a police report but nothing was done and now I am dealing with the inability to deal with certain financial institutions over this.
Product: Mortgage

I have been trying to get modification for months and I have submitted the same documents over and over again. I have just learned that my house is scheduled to be foreclosed on XXXX XXXX, 2015.
Product: Credit card

XX/XX/XXXX Capital one close my account with a XXXX balance. on Capital One website. XXXX +yrs later they said the account was not paid off Ok. Why did Capital One wait so long to catch their error? So now interest has built up If Capital One had found this error XXXX ago this account would have been paid off. Account # XXXX .. XX/XX/XXXX Capital One sent me a letter about this account. I call Capital one on XX/XX/XXXX and said I will pay the remaining balance of XXXX and not the XXXX in interest. That would be fair. Cause it was Capital One error not mind.. Never heard of them .. On XX/XX/XXXX Call Capital One again talk to a young man told him my story he said he will put in a dispute claim.
Product: Mortgage

XXXX   XXXX   XXXX    I been trying to get a short sale through with Ocwen its now    XXXX   XXXX    and still no sign of it going though. All the paper work has been filed by both parties the owner  (     XXXX   XXXX     )  and the buyer and sent to Ocwen. My agent  XXXX   XXXX , a relator with  XXXX   XXXX  hears they (  Ocwen   )  are waiting on the lender. As of    XXXX   XXXX   XXXX     My  agent  XXXX   XXXX  had me on a  3  way call with Ocwen. I was not to speak for she did not want them to know I was on the other line. We was informed that the paper work was never summited to the lender instead it was passed on from under writer to under writer and no one has ever touch the file. My agent was told to call back Friday for an up date but that 's all we been hearing since the beginning. I am already going on  XXXX  bpos my perfect  credit score  from  XXXX  has dropped to the low  XXXX  's I have no idea what to do. You can reach me    XXXX   XXXX    at    XXXX   XXXX   XXXX    or my Agent  XXXX   XXXX  with  XXXX   XXXX  at    XXXX   XXXX   XXXX
Product: Mortgage

WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$3000.00}
Product: Credit card

I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.
Product: Debt collection

I did a settlement offer with XXXX XXXX XXXX for a Navy Federal credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my Credit card balance on my target red card. However that collection is still showing on my credit report. 

While paying balance off, XXXX credit department promise me that, this will go off from credit report once balance paid off. 

Need help on removing this collection from my account. 

Thanks & Regards, XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/2024, someone gained access to my Coinbase account and added a new bank account. They then preceded to sell all my assets and started an ACH withdrawal all in the same day in the amount of XXXX How does that happen? Common sense should have dictated that this may be a fraudulent transaction. Like most banks call their customers. No EMAILS if over XXXX. This is where crypto becomes a fraudulent industry and will never grow. I immediately called locking the account. They informed me that the funds where sent and there was nothing they could do. Again, all in the same day and 3-to-5-hour time frame. They said it was my account, so I contacted XXXXXXXX XXXX. The bank name and the gave the XXXX the last four of the account. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is an international hacker bank haven. They should be investigated and sued for these ACH crimes. Nobody could tell me nothing. ACH fraud has been happening for over 10 years it's time we make someone accountable for our losses. Nobody wants to take responsibility these days. Inside jobs I assume. I know it takes three days for funds to move. Coinbase will not call the receiver. The receiver is saying we can't tell you nothing. We must stop these guys and not only fine them but pay the individuals back they hurt. If they can't become more secure shut them down. Now I know that XXXX may have been right. After being in crypto for several years and using Coinbase with no resolve. I think Iam done.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I filled out an application for payday. When completing the application it asks when did I get paid. I marked XX/XX/XXXX and the last day of the month. Before signing the application and accepting the payment I stated to the representative that I get paid on the XX/XX/XXXXand last day of the month. The representative stated that it wouldn't be a problem and they will correct. Once I notice that they didn't fix the problem I called them back. The representative told me that there nothing I can do about the contract was signed. I am explaining to the representative that I don't get paid until the XX/XX/XXXX which is the last day. The representative started getting smart and I told me that the issues wasn't going to get fixed. 

I need them to resolve the problem because it causing my account to be overdrawn.
Product: Debt collection

National Account Systems has continuously reported a debt on my credit that I do not owe. I have sued the original creditor ( XXXX XXXX XXXX ) for falsely sending me to collections and this matter has been taken care of in the court of law in XXXX XXXX. This creditor is continuing to report and attempt to collect a debt they have no legal grounds to collect. 


Previous CFPB complaint : In XXXX of XXXX I was approved for rental assistance in the amount of {$2200.00}. The State of Nebraska contacted XXXX XXXX XXXX for address verification to send the rental payment and XXXX XXXX XXXX advised they would no longer be accepting rent from me and had given me a XXXX  day notice to vacate the property. I contacted the Property Manager XXXX XXXX who also stated they would no longer accept rent and wanted me to vacate the home I occupied since XXXX. They refused the rent check and have now sent me to collections for {$3300.00} requesting rent for the same months they previously refused to accept. Even after refusing the check, I sent numerous emails to resolve the situation amicably and they chose not to respond or return any of my calls. I have a current court case that will occur in XXXX of XXXX regarding this company defaming me and for breach of contract for not accepting the rent balance when tendered. The state of Nebraska has provided documentation that will also prove XXXX XXXX declined to accept any rent on my behalf and had sent me a non-renewal of my lease agreement.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX  XXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

sofi bank randomly froze my account due to no explanation given and was told the securities team will follow up with me. they did not and no response was given.
Product: Credit card or prepaid card

I've been a great customer with Discover for almost a year. I've never missed a payment. 
Discover requested an IRS tax form They received them and said they couldn't verify information but wouldn't say what. They closed it for no reason and didnt even give me one despite multiple calls in. I flipped out on the reps I spoke to since I'm rebuilding and this absolutely set me back a couple steps. Discover is a bad company.
Product: Credit reporting or other personal consumer reports

XXXX  reported .months ago of 1 loan paid in full and the other balance was updated but trans union refuses to change it
Product: Credit card or prepaid card

I obtained the credit card  XXXX  through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the  XXXX  month, in  XXXX   2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year  promotion.   After speaking to a representative of  XXXX  regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with  XXXX  be closed. It is now  XXXX  and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest.   After calling  XXXX  once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after  2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.
Product: Debt collection

XX/XX/ {$66.00} Company that I don't recognize report a collection debt on my credit report without authorization and previous notification. Also, they never sent me a bill on my address, email or a phone call.