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

Fraudulent Accounts Appearing On Credit Report. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX {$520.00}
Product: Credit card

I attempted to set up a payment with AVANT credit card company using my XXXX debit card and the payment never processed and I was penalized with a late charge due to non payment. I requested a waiver of the late fee because I was unaware that the AVANT does not take payment from XXXX debit cards and they submitted a request. I made a second attempt to make a payment by using my XXXX debit card and the payment never processed and I was once again penalized with another late charge now equaling two late charges of {$39.00} each. I once again requested a waiver and downloaded the AVANT mobile application where I linked my XXXX XXXX XXXX account to make autopayments to AVANT. I check my application two months later and find out that none of the payments went through even though my checking account was in good standing and had the funds. I called AVANT @ XXXX and they told me that there was an error and that they could not help me because it was my phone application that had issues. I asked to speak to a supervisor multiple times to clear the situation up but they just placed me on hold for hours. I tried calling again when I had some free time and they told me instead of holding for so long that they would have a supervisor call me and they never called me back. Today I was finally fed up and waited XXXX hours to speak to a supervisor who then told me I would have to email the company for a waiver of any late charges. I am currently 180 days delinquent of making a payment and I tried multiple times to make a payment with AVANT but I can not make payment due to the scammy system they have in place. I googled AVANT and I am not the only customer they have that has difficulties with them and making payments are almost impossible. I need help because as of right now I have {$320.00} owed of late fees before I can chip away at my {$500.00} credit owed but I can not make any payments due to the system they have in place.
Product: Credit card or prepaid card

hello, someone applied using may name and social to receive unemployment benefits during covid. The bank in question is Bank of America, they refuse to close " my account '' that someone else has access to. 
thousands of dollars were sent to the card and used, not by me. I reported this to the IRS, credit bureaus. However, bank of America still doesn't want to close the account under my name. 

Unforutnetly, I am a victim of identity theft and I am trying to clear and dispute all charges/inquiries/accounts that were not done by me. However, it is very difficult getting in contact with a lot of these companies, since I don't have the correct information. 

Based off my credit report, I do see that they also tried to apply for loans with the following businesses that were not made by me, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX no phone number avaliable marlette serving XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXXXXXX XXXX  and equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report. I asked for source of information, and the source given to me does not provide information to credit services. I disputed information with XXXX and they responded in writing saying that the information is unverifiable. I then disputed information on Equifax and XXXX. They said that they verified information via XXXX and the court. I have sent Equifax a screen shot of response from XXXX and email from the court, but they refuse to remove item from my account. Furthermore, I have never given consent ( as required by law ) for this information to be included on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX the accounts are not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Product: Debt collection

this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.
Product: Checking or savings account

On XX/XX/18 I made a payment to the XXXX XXXX in the amount of {$900.00}. On XXXX I made a small purchase in the amount of {$7.00}. Because of the holiday I believe this caused these items to show on the same day although they actually were not, nonetheless the funds were there to cover both purchases. I purposely made a payment for {$900.00} which was less than the amount owed to avoid overdrawing the account. On XX/XX/18 approx XXXX I made a withdraw from a none pnc atm in th amount of {$400.00}. At this time my account showed I had approximately {$23.00} available. I knew I would be charged for this withdrawal. Unfortunately a charge came out of the account for {$9.00} which should have come out on the XX/XX/18 again because of the holiday I believe the charge was delayed in processing. I expected at this point to be charged for the {$400.00} withdrawal and the {$9.00} charge that came in. When checking my account I realized I was charged 2 additional fees a total of 4. I called pnc customer service and spoke with a rep who transferred me to XXXX XXXX ( account manager in the escalation dept ). I was told that had I waited until a certain time to withdraw the money I wouldnt have received these fees. PNC seems to play with actual dates and times so that they can charge you the most money that they possibly can. My online account shows that at the end of business on XXXX I had enough money to cover every purchase up to that point. The withdrawal is the reason they are charging me additional fees. Although a computer may not be able to see dates and times but an actual person can see when purchases were made and when the withdrawal was actually made. I would like the 2 additional fees returned to my account. I had enough money in my account to cover all charges with the exception of the withdrawal and the XXXX purchase.
Product: Credit reporting or other personal consumer reports

I disputed my personal information on XXXX to Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious information is spoiling my credit worthiness. 

THIS IS MY CORRECT NAME : XXXX XXXX XXXX THIS IS MY CORRECT ADDRESS : XXXX XXXX XXXX, XXXX XXXX NJ XXXX MY CORRECT PHONE NUMBER IS XXXX ANY OTHER VARIATIONS OF THIS PERSONAL INFORMATION IS NOT MINE. PLEASE STRAIGHTEN THIS OUT FOR ME. 

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

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding items listed on my consumer credit report : Truist BankXXXX I am entitled to see the source of the information, which is the original contract with ( original ) creditor, containing my signature, and original date account was opened.
Product: Debt collection

This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Product: Credit card or prepaid card

I received a XXXX $ XXXX gift debit card for XXXX. On XX/XX/XXXX I went to XXXX to activate the card. The Card Activity report at this website shows two pending XXXX Pre-Authorization transactions dated XX/XX/XXXX, XXXX XXXX XXXX {$1.00}, California and and XXXX, XXXX XXXX , Texas {$1.00}. I only opened the package the card came in today, XX/XX/XXXX. I tried contacting the number on the back of the card to report what looks like fraudulent charges already on a card that has just been issued. There is no response to calls to this number XXXX, I am put on hold until the call eventually disconnects. I called the XXXX national number XXXX and was told they could freeze the card but I would have to call the US Bank number XXXX to get a replacement issued.it seems to me Since there is no response at that number this looks a bit suspicious. I have had XXXX freeze the card. XXXX says they will notify the bank the card has been frozen. XXXX has my personal contact information. I will make another attempt to contact US Bank for a replacement card but have been told by two XXXX representatives to call off peak. When I asked what that actually means do they mean a daily, weekly or seasonal peak I am told they do not have that information. Apparently there is no recommended time to call about fraud and actually get a response. 
By the way, a quick web search of those two charges shows many people have complained about similar pre-charges against both new credit cards and bank accounts by those same two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account being that I have been incarcerated for the last XXXX years. I want this information removed from my credit report it is a total fraudulent account.
Product: Credit reporting or other personal consumer reports

I have recently within the past XXXX or XXXX months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted XXXX and XXXX in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with Nordstrom, and nothing has been done about this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to check my credit score on things like XXXX XXXX and XXXX XXXX. WHen trying to create account I get a notification that my personal information is incorrect which it shouldnt be be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX XXXX XXXX credit card account that shows a charged-off status with a recent {$8600.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX XXXX XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX has incorrectly reported me late beginning XX/XX/2019 thru XX/XX/2019, and XX/XX/2019. Wells Fargo has incorrectly reported my credit payment history as past due when I was never reported 30 days late in my statements while I did always pay in the past due window. Payments always overlapped due dates and often I paid 29 days late. I may have been late once but the Wells Fargo Statements DO NOT reflect the actual dates payments process AND Wells Fargo somehow kept my account negative and did not reflect the payment, even though I was 0 to 29 days late only. Payments came out of my personal Wells Fargo checking 'instantly ' yet sometimes Wells Fargo XXXX would take 3-5 days to reflect the payment in my credit account. Wells Fargo also took over 50 days to respond to my dispute from XXXX and did not address anything in my dispute. Wells Fargo has also refused to give me an accounting of my records and has also refused to provide me anything but statements, of which I am contesting because they incorrectly report my payment due dates. I have bank records showing instant payment transfer dates, yet XXXX wouldnt process them in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am requesting and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX XXXX XXXX with the Case Number XXXX and the XXXX XXXX XXXX with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

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

I am a victim of identity theft and there are unauthorized inquiries on all 3 credit bureaus
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I financed it through First Iberia Credit which  is the biggest mistake I have ever made. The price of my car was {$3700.00}. The total amount owed on loan came up to {$8800.00}. 33months at {$260.00} per month. 
I paid faithfully for 17 months. Then I fell on hard times. My car was reposed in XX/XX/XXXX. My refinance total was {$7900.00} TOTALLY RIDICULOUS!! I paid 17 payments of {$260.00} a total of {$4500.00} but my new loan is only {$950.00} different. SERIOUSLY!! These people are crooks and should be investigated as such. I have paid 10 payments on my new loan 10 @ {$210.00} Total of {$2100.00}. When I made my payment in XX/XX/XXXX I was given a written receipt. It showed my balance remaining as {$6000.00}. I came unglued. I have already paid these people a total of {$6700.00} and they say I owe {$6000.00} more. That would mean that I will pay {$12000.00} on a car that sold for {$3700.00}. That is a total of {$8900.00} more than the car. For what?? Interest and anything else this man chooses to add on to your loan. XX/XX/XXXX {$660.00} was added to my loan for what they wrote down as recovery fees. I had no idea. Was not told anything. It wasn't until I went to the office in XX/XX/XXXX and asked for a copy of all of my paperwork. That is when the XXXX hit the fan because I started asking questions and they all started passing the buck. This stuff has to be against the law. They are robbing me blind. I did not make my XX/XX/XXXX payment. I informed the manager that I was filing a complaint and I am not making another payment until I hear from you. This must stop.. 
Thanks
Product: Debt collection

The debt collector XXXX Resurgence Capital Services XXXX is attempting to collect on a debt that I do not own. They have also sent a letter with a statement that indicates the current account owner XXXX LVNV Funding LLC XXXX will not report the debt to any credit reporting agency. This is a false statement. I learned about this debt as a result of it being reported to a credit reporting agency. Also, the statute of limitations to collect on this debt has expired. This debt was supposedly acquired in 2008. I have not heard from this debt collection agency, or any other company regarding this debt until now. If this debt is valid, I would assume the debt collection would have begun a while ago.