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

On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX XXXX Credit Card ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( Charge Account ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all three credit bureaus XXXX, Equifax and XXXX on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than 30 days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.
Product: Credit card or prepaid card

An XX/XX/XXXX payment to Comenity Bank was not applied correctly and as a result compounding interest + late fee was assesssed. The current total of fees and interest is below. 

XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX ( late fee ) XXXX Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX total I sent the following message to their customer service on XX/XX/XXXX : XXXX XXXX XXXX returned funds to my account due to the payment on XX/XX/XXXX being REFUSED by Comenity Bank. In reviewing the billpay information for Comenity, I discovered that the account that is listed is no longer current. The number listed was the original account number when the account was opened. On or about XX/XX/XXXX, the account number changed. Regardless, Comenity Bank continued to accept the payment for exactly 6 years. For the month of XXXX this year, your system refused the payment. 

My response to this situation is this. If your bank no longer accepts payment for this account number, particularly after a period of 6 years, it is your responsibility as an upstanding business to notify the consumer in writing. I received no communication either through US Mail or via email of the update in policy. 

I submitted proof of payment from my bank that the payment was made on XX/XX/XXXX. 

They have yet to resolve and continue to assess interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I joined a 5 month repayment program with GreenSky LLC stating I would receive smaller payments from XX/XX/XXXX and that I would have to start making regular payments again in XXXX, XXXX. I setup automatic payments to come out of my account for those months. 

Below is the verbiage from the email I received : Reduced Monthly Payments Required 1. We are temporarily reducing your monthly required payment for 5 month ( s ). During this period your new reduced payment amount will be {$89.00}. After 5 month ( s ), your required monthly payment amount will be due again in XX/XX/XXXX in the amount of {$170.00}. 
2. If your account was past due at the time you were granted relief, it will return to the same past due status immediately upon expiration of your relief and your account will be due for the previous past due amount.

My account was reported as Current for the period of the relief program and I didnt think I needed to start making regular payments again until XX/XX/XXXX. 

On XX/XX/XXXX, I started getting emails that my balance was PAST DUE and the relief program ended XX/XX/XXXX, which contradicted my understanding of when I needed to pay the regular monthly amount and anything past due again. Additionally, I thought my balance for XX/XX/XXXX had already been paid on XX/XX/XXXX since an additional payment came out of my account automatically. On XX/XX/XXXX I went to review my account balance and noted I had a Past Due balance and paid {$430.00}.

I thought their records were erroneous because I had already made a payment for XXXX, but wanted to make sure I wasnt in that status. I spoke to a XXXX, who called me back on XX/XX/XXXX and told me I was ~ {$19.00} short of paying the past due amount that was owed before I entered the relief program. She also apologized for the confusion I had because she noted an automatic payment still came out of my account for XX/XX/XXXX even though the program had ended in XXXX according to her records. She stated I needed to make that {$19.00} payment by XX/XX/XXXX, which I did. 

Subsequently, I was reported as 60 days PAST DUE on my credit report which was NOT mentioned on any of the correspondence I received AND my understanding is that I met the XX/XX/XXXX date by paying the full past due amount, this was not Past Due. That XXXX mentioned nothing about me still getting reported as Past Due. 

I have attempted to resolve this matter with XXXX and their investigations keep saying their information is correct. However, on XX/XX/XXXX, a representative told me that they have been unsuccessful in finding the recorded calls that I told them I had with their Company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXXmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Product: Mortgage

I was scammed during Covid shut downs ... .I was current they offered forbearance and promised on tape when jobs were reinstated they would redo loan and start from there. They kept asking for the same pay stubs and info over and over until they forEclosed behind my back THIS WAS A ONCE IN A LIFETIME PANDEMIC AND GOVERNMENT HAS NO PLAN TO HELP KEEP OUR HOME WE HAVE BEEN IN FOR 20 YEARS. ALLOWING THESE XXXX STEAL PEOPLES LIFE TIME OF WORK AND SWEAT SPS IS A UNDERHANDED COMPANY AND I NEED HELP I QUALIFIED FOR OHIO SAVE THE DREAM BUT THEY BOTH JUST DRAG FEET SO THE AMOUNT IS CRAZY NOW I NEED THE COMPANY TO TAKE THE BALANCE OF THE AMOUNT DUE MINUS THE XXXX XXXX AND TIE THE BALANCE INTO THE LOAN ITS A WIN FOR EVERYONE PLEASE HELP
Product: Prepaid card

I have attempted to us a Pepaid American Express Rewards card that was sent to me virtually ( no physical card ) on multiple online vendors. Everytime I attempt to use the card it is declined even though I include the correct card number, CVV, and expiration date.
Product: Checking or savings account

My wife and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. XXXX XXXX XXXX XXXX XXXX XXXX and I am fully aware of AML issues but the bank refused to explain anything other than " they reserve the right to close without issuing a reason '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX indicating that the debt has been settled.

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action. 

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation
Product: Debt collection

I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my TransUnion credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX of Michigan Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage Medicaid they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  along with Experian, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Product: Credit card or prepaid card

You already have a copy of my correspondence to Citi on this matter. I am XXXX and saw online ad for electric scooter. On sale apparently by XXXX.I purchased item with Citi card. Ad said item to be delivered by late XXXX from California. Item never delivered so inquiry made with party who took and confirmed order ( in XXXX, to my surprise ). Response was that it had been delivered! FALSE! Told at various times in email exchanges to check post office, neighbors, customs office, mail box. Obviously these responses were ridiculous. Item this size would not be sent though USPS, nor need for customs involvement from California, fit in mailbox etc. Contacted XXXX and got immediate response : SCAM. I filed a dispute with Citi, got the provisional credit, but then Citi responds later that my dispute was DENIED. No information on lies given by scammer in XXXX. I sent a written response to Citi - a copy of which I sent to your agency- but I have not heard anything back from Citi. They are obviously ignoring my more complete complaint, even with evidence sent them.. When I learned it was a scam, I even had CIti cancel my card number and issue a new number card. ( Would I do that if there wasn't FRAUD involved? ). The amount of money was about {$44.00}. Not a lot but I am on fixed income.
Product: Debt collection

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency XXXX XXXX.
Product: Debt collection

Debt should be paid by XXXX indigent/charity care!
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with TransUnion and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. TransUnion is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as TransUnion, XXXX, XXXX  etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened accounts ( 2 ) with XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, I had to voluntarily repossess my vehicle and could not pay on the personal loan due to an employment termination of my late husband. It has been 8 years since the account was closed, however, Experian shows the account was closed in XXXX and shows the account as a Serious Delinquency. 

I have disputed this several times with Experian Credit and XXXX  XXXX XXXX XXXX, and I was told that this reporting can stay on my credit report for 10 or more years. The Experian report has shown different dates and account numbers for the same account and I feel the company ( s ) are re-aging my account information. XXXX  and XXXX  shows the issue has been cleared and has been removed from their reports.
Product: Checking or savings account

I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXX Bank making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. Please instate account and fees. Thank you. 

The bank indicated I was refunded the fees from XXXX Bank. The fees XXXX refunded did not include these fees from XXXX as I was not aware of the impact till months later. Please see a copy of that was refunded by XXXX and for what.
Product: Mortgage

Chase purchased our home loan then refinanced it when I told them not at all for any reason! They then put us in a covid 19 program and then raised the estimated value of our home with out a reappraisal to XXXX which was what we needed if we refinanced to pay off all our debt if we were going to refinance! But chase had a estimate on paper for around XXXX less then 6 months after they raised our property value falsely cause of there mess up and it has destroyed our credit! Now they have illegally taken money from my personal bank with out any notices or approval from me! I will not pay chase a nother XXXX and XXXX XXXX protecting my American dream I worked for! To many dates and names to list but it hase been since they changed my fha loan on their own without me accepting anything! Please for the love of XXXX help!
Product: Money transfer, virtual currency, or money service

I am concerned with Zelle 's handling of disputes in regards to the recent CFPB lawsuit. Although I have used Zelle many times and reporting these discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They told me that recovering lost funds and tracking these transactions would be impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all 3 credit reports are hurting showing open and late.
Product: Money transfer, virtual currency, or money service

This complain is a continuation of the previous complain. 

The last complain number is as follow : CFPB Complain ID : XXXX-XXXX  Capital One CID : XXXX With the last response, Capital One only said what is happen. The Capital One have not solve the problem, and still hold money in Capital One account. 

Capital One asked XXXX get money back. The check maker spoke with her bank - XXXX many times, but XXXX doesn't want to do anything with the case. XXXX said the check is real, the check 's signature is true, and the check has already cashed 8-9 months, they couldn't get money back. 

Now this case is a circle. Capital One ask XXXX get the money back. And XXXX doesn't think any problem with the check and ask us have Capital One solve the problem. 

So I require Capital One send money back to my account or send to check maker 's account.
Product: Debt collection

I had been phone repeating call from XXXX Monarch Recovery robocall. Never received written from Monarch Recovery nor are reporting any of my credit bureaus messages left on answered Machine. They a last name ask press 1 if that is name or press 2 if not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute to remove several inquiries however the credit bureaus have not removed them.