23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacting my employer for a XXXX XXXX XXXX debt for garnishment that is not my debt. 
XXXX XXXX REQUESTED BY SHER AND SHABIN P C XXXX ACCOUNT XXXX XXXX XXXX The collection company forfeited all rights when bankruptcy was filed in 2022 Also, I have been a victim of collection and fraud scam Identity theft Trying to force me to file a XXXX  XXXX, to add debt to my name that is not my debt.
Product: Checking or savings account

Hi, I unknowingly deposited fictitious checks into my checking account with Citizens Bank, N. A. provided to me by a fraudster impersonating a college professor performing a research project. Two deposits in the amount of {$990.00} each were made on XX/XX/2024 and XX/XX/2024 for a total of {$1900.00} and withdraws by myself were made through XXXX XXXX and XXXX payment services to fraudulent payees against my linked Citizens checking account. Citizens had indicated that there was available cash in the account from which to withdraw against, implying that the checks cleared. I only made payments after this indication. A few days later, Citizen identified the checks as fraudulent, and created overdraft balances on my account. I contacted Citizens claims department where I indicated that they should make me whole for the balance of approx {$900.00} in my account since they wrongly indicated that funds deposited through online banking were available providing no warning that they were not fully cleared. A claim was made with XXXX XXXX jointly with Citizens reference XXXX. This a claim against the payees. This is still in process, however, my claim is against Citizens for giving the impression that the checks deposited were fully cleared by making that balance available for withdrawal. My account has no overdraft protection so they should not effectively be indicating the money is available when it did not fully clear. I would like for Citizens to make me hole upfront as their controls did not catch these fictitious checks prior to withdrawals. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off reporting on my credit report. This charge-off is inaccurately reported.
Product: Credit reporting or other personal consumer reports

I am filling this complaint against Equifax Credit Bureau for not following the Laws and Statues regarding fraudulent account ( s ) disclosed on my credit report. On XX/XX/, I filled an FTC report on the fraudulent hard inquires disclosed my credit report. There are several hard inquires that I did not authorize and the accounts are not related to any active or open accounts. I have disputed the fraudulent inquires several times on the Equifax website and have attached a copy of the FTC report. After several denies, I contacted Equifax Fraud Department on XXXX XXXX XXXX and I was advised that my report is invalid and not correct. I was advised to mail a copy of my Social Security card, copy of my birth certificate, and Drivers license. I reviewed the Equifax website and it states to upload a copy of the FTC report to remove any fraudulent accounts on a credit report. I am filling this complaint with Consumer Protection to resolve this matter and remove the fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I want to reported accounts to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention a matter concerning inaccurate and erroneous information related to a debt that has been attributed to my name. I believe this information is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and may require investigation to rectify the situation. 

Details of the Inaccurate Debt : Creditor Name : Procollect Account Number : Amount : {$4200.00} Date of Alleged Debt : XX/XX/23 Explanation of the Dispute : I have recently discovered that a debt, as detailed above, has been reported under my name. However, I have no knowledge or record of any such debt, and I strongly believe that this information is inaccurate and not associated with me. I have taken the necessary steps to verify my financial records, and I can confirm that I have no outstanding debts with the mentioned creditor. 

I have also made efforts to contact the creditor directly to resolve this matter, but my attempts have been unsuccessful. Given the potential harm to my creditworthiness and the violation of my rights under the FDCPA, I am seeking your assistance to investigate and resolve this issue promptly. 

Attached to this letter are copies of relevant documents, I kindly request that you initiate an investigation into this issue and take appropriate action to correct the inaccurate information on my credit report. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please feel free to contact me at XXXX or XXXX if additional information is required. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have been banking with chime since 2019. I have a substantial amount in my savings, spending and credit accounts. I had a legal suit awarded to me in XXXX and chime had advised me how to deposit the amounts in my account. XX/XX/XXXX I received an email that all of my accounts were closed due to fraud. I have not been able to get into my account ever since. Not only are my accounts frozen I cant get into my app to see previous transactions. On a daily basis I have tried to call and email both chime and XXXX but have not had any luck. My life savings is shut off. This is XXXX time as well as end of the year. I need my money! If I had known chime and XXXX would treat their clients in this matter I would never had opened an account with them. I have over {$18000.00} that I am not able to get to as well as scared to death I wont ever get it back. Please help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience a
nd financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX  - Account # XXXX - XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Checking or savings account

Opened a capital one 360 account in XXXX because they advertised a high yield interest rate and just found out that I havent been getting a high interest rate- I called them and they explain that they had XXXX different savings accounts with XXXX different rates and they said they sent me an email on XX/XX/XXXX of XXXX telling me about the new rate which I dont believe I ever received an email and they cant provide me with verification. Bottom line is Ive had {$40000.00} with them for XXXX years and Ive been making an interest rate of .8 % when I couldve been making an interest rate of 3.7 % I felt totally taken advantage of which I told them and misled. Everything is paperless with them and it doesnt show the interest rate unless you click around and find it.
Product: Credit card

Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the problem.
Product: Credit reporting or other personal consumer reports

Account opened without my permission and inquiries made without my consent
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish description on consumerfi gOV
Product: Debt collection

I continue to get a phone call from an agency claiming to be Premier Portfolio. They call my cell phone from numbers all over the united states, so I have not been able to successfully block them. I do not know this company, and do not have any outstanding debts in collections. They claim that it is for a check cashed in my name with my ssn and routing number, which does n't make any sense why they would have my SSN. I 've looked it up, and they are apparently scamming other individuals as well. I want to report them as well as get them to stop calling me.
Product: Mortgage

Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX FLAGSHIP CREDIT ACCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX STELLANTIS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquiries reporting. 

Here are a list of the unauthorized inquiries that are being shown on 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
Product: Debt collection

They have claimed that I owe {$120.00} but each time when I visited for XXXX I got charged and I paid for it so all paid in full ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit information both on XXXX XXXX credit check and XXXX XXXX in my XXXX  credit report I noticed a hard inquiry that I did not approve, the company syncb is a national credit card/airlines company based out of Florida, it says the inquiry was placed XX/XX/2018. I do not recall placing this request or approving of it and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX TOYOTA MTR XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see this random account named KikOff Lending reporting an account with {$20.00} on my credit report. This seems odd since I don't open any credit accounts with a credit limit that I can use under {$2000.00}, further research on this company, the credit they give cant be used. After more research I realized I never opened this account, I have no agreements with this company nor did I sign any contracts with this company. I have requested original contracts with my wet signature and they have failed to respond or send me this. I kindly demand that this account be removed from my credit report, Immediately. I did not open this account.
Product: Debt collection

i have tried numerous times to tell them that i was a victim of identity theft and they still arent removing the collection my spouse passed away and my finances are not doing great im needing to move homes but due to that collection they are denying my application if you can please help me out thank you, my contact number is XXXX and email is XXXX the collection account im talking about is XXXX XXXX no knowledge of it
Product: Credit card or prepaid card

On XXXX XXXX, 2017, my husband and I each applied (separate accounts) for a Wells Fargo XXXX XXXX XXXX Card at a Wells Fargo Branch located in XXXX, North Carolina.We each went through the application process and each reported $XXXX of monthly income to the banker XXXX XXXX. At the end of the application process I asked the banker what credit limit we would have on the accounts.  The banker told me that I (female) had an $XXXX limit while my husband received a $XXXX credit limit. I asked the banker why my limit was lower and he could not give me an answer.  Said that's what the system gave us.  I have reported the issue to Wells Fargo Customer Service and to this date they have not told me why my credit was issued at a lower rate.  The banker did try and get the limit raised, I do not know the status of that request.  I have now received information from the bank (Wells Fargo Consumer Credit Solutions) with the last four digits of the credit card numbers issued to us and our credit scores.  My credit score was XXXX while my husbands score was XXXX.  So, why did he receive a higher credit limit?  We just received the credit cards.  I have a credit limit stated at $XXXX and no cash advance amount indicated.  My husband has a credit limit of $XXXX and was given a cash advance limit of $XXXX.
Product: Credit reporting or other personal consumer reports

See attached letter that was mailed to alleged Creditor who continuously violates FCRA laws when responding to all prior inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )
Product: Credit reporting or other personal consumer reports

I am writing to issue a complaint against XXXX XXXX for an erroneous credit score report. I recently applied for an additional credit card through XXXX XXXX and was denied due to delinquent payment report from XXXX XXXX. I do not own a XXXX XXXX. 

I requested a credit history from XXXX and TransUnion only to find out that my ex-wife had opened a joint account in XXXX. I started divorce proceedings in XXXX and was divorced in XXXX. When she relocated to Florida she took the card with her and changed the address. I had no knowledge she was using this card or that my name was attached to the account. She continued charging on the card and making payments until her death in XX/XX/XXXX, leaving a balance due of {$7.00}. I have never received any correspondence regarding this account though they claim I am the primary. Had I known this card existed, I would have cancelled it. 

I have spent many hours on the phone with XXXX relaying this information, but their standard statement is, you are the primary. They have no record of who actually took out the card back in XXXX. If they cared to check ( or could ) they would not find any charges by me either. I have since payed the balance due and cancelled the card. Unfortunately that is not enough to change the status from XXXX as a delinquent card holder. Although I have explained all this to TransUnion, this delinquency will stay on my record until XXXX, unless XXXX changes it. I have added a clause to my record detailing this situation in hopes that it will help nullify the damage. I will be adding this same clause to the other credit bureaus as well. This account was NOT my responsibility in any way, shape, or form. They are totally unreasonable. 

I can provide divorce papers, my ex-wifes death certificate, or any other documentation you require to help rectify this situation. Until now I have had a flawless credit history with no delinquency on any mortgage, car loan, credit card, or any other financial responsibility, ever! This will affect my credit status in every facet of my life ( and my wifes ) including relocating, credit applications ( already occurred ) car/house insurance ( due in XXXX ) and many others. 

Im hoping you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen from Equifax by hackers. The company is not helping and has violated any sort of rights or trust they might have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to WELLS FARGO. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

I was contacted by phone from Midland Credit Management in XXXX  at the outbreak of the pandemic. I told them then to cease and decist and that due to loss of income from the pandemic I was not able to pay them. Today, I received by mail a pre-legal notification. I contacted them and my number was dialled into a call centre in XXXX, not in the United States. I do not appreciate that. When I ordered them cease and desist in XXXX, it meant no communication from them was wanted. According to the letter, I received was the division manager and his name was XXXX XXXX. I would like to hear from him personally and not some madarchod in XXXX, who can barely speak English. I believe that Midland Credit Management is indifferent to the hardships caused by COVID and that they are cold blooded in trying to collect a debt from someone who has told them of a hardship. If they get an attorney to review my case, not only will I file another complaint, I will also contact the proper authorities in my state to get that attorney either suspended or disbarred all together. It would not be my first time doing this.
Product: Credit reporting or other personal consumer reports

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.