23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification early XX/XX/XXXX from XXXX XXXX that account has been placed in collections. This account is from XX/XX/XXXX no specified date I have no knowledge of this account no knowledge of this company and never received any services from this company. I took a look at the XXXX reviews for this company and it seems that multiple people have had the same issue for the same date in the same year. This is fraudulent it has had a negative impact on my credit. The name of this company is XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX Michigan XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

My account was initially paid in full. After said loan was paid off, my agent mentioned refinancing it which didn't make sense, considering how I just paid it off. I declined the refinancing offer, yet it was still applied to my account and further my credit score. This issue has been a negative infliction to my personal, and professional life for ( years ). This needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

The XXXX XXXX made unfair charges without evidence for almost two years. 
They could not provide any proof for any damage. They sent two page inspection report after two years with any inspector company name or signature. 

The car was under lease in best condition.
Product: Debt collection

I have a mutual child not by marriage and by the Court of California he needs to pay child support and also all medical costs for our mutual child. His child that is not mine injured our mutual child the police were involved but I did not press charges, and because of the result of the injury our mutual child needed to visit the ER and after she got out of the ER her father said that he was going to pay for the medical bill. Which he did not pay. By court judgement he needs to pay for all of her medical. I contacted the collection agency to inform them of the judgement stating that he is fully responsible for all of our childs medical bills providing them with all of the proof including his phone numbers and home address. They put me in collections onXX/XX/XXXX the original amount for the collection was {$820.00}. The collection company told me that they were going to remove me and add him because by the courts he is supposed to pay the medical bills. Now I am providing his first and last name XXXX XXXX XXXX   XX/XX/XXXX, his address is XXXX XXXX XXXX XXXX CA XXXX home phone number is XXXX  and cell phone number is XXXX. This is the collection name and address Collection Consultants XXXX XXXX XXXX XXXX CA XXXX   Phone number XXXX all the attempts to try to resolve the dispute they promise me to remove my name from the collection but they don't do that therefore I ask from the CFPB to order the collection agency to remove my name from all 3 credit bureaus XXXX XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 card or prepaid card

A charge was placed on my credit card for bringing my service animal to a rental property. The rental company XXXX XXXX XXXX XXXX XXXX stated they have a strict no pets policy and they do not care if I have a service animal. Since this is illegal and in violation of the ADA title II & III I disputed it with American Express. American Express has stated that the rental companies policy supersedes the federal law. This is a class b misdemeanor in Texas as well as federal law. I did not authorize the charge and I can not agree to terms of any contract that are illegal. Again this is not a pet or an emotional support animal it is a service animal it and I are both legally protected from receiving charges for my animals presence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference report number : XXXX. ( attachments are in that report ) This report as stated above is closed and Experian stated in that report that they were in the process of removing all late payment information from my credit report apart from the bankruptcy of XX/XX/XXXX. 

As of today, XX/XX/XXXX, they continue to report that my credit had 90-day late payments in addition to the bankruptcy. I have attempted to resolve direct with Experian and obtain an update ; I have been unsuccessful. 

I do not understand why it is taking them so long to make the amends they stated they would accomplish. Remarks in my credit report from Fair Issac Credit Corporation dated XX/XX/XXXX show that Experian continues to make reports that at least 4 of my accounts have been late 90 days in addition to the bankruptcy, which is patently proven to be false, independent of the bankruptcy statement continue to harm my credit scores for unsecured credit, mortgages, auto loans >> as well as FICO scores across a range of their products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tails of. Please view the item below. XXXX XXXX XXXX Account XXXX XXXX Date of last activity has been re aged. And 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account was removed by XXXX and place right back after the original creditor didnt respond within the 30 days XXXX placed it right back on my credit profile. The data furnisher did not respond to the request for investigation and the disputed account was removed from your credit report. The result summary was sent to you on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I been sued for a time barred debt. Its credit card with the last payment being made in XXXX XXXX. They also lied and said the last payment was in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. Lastly, 15 USC 1681 s-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 in accurate.
Product: Checking or savings account

Hello, My Wells Fargo XXXX XXXX was used on XX/XX/XXXX for numerous charge attempts that were not authorized and fraud. Wells Fargo Bank authorized one of these in the amount of {$2200.00} to XXXX XXXX. I did NOT make or authorize this transaction. I have filed two claims with no resolution. I personally went into my local branch yesterday at XXXX XXXX  and was treated terribly. They told me to go call the airlines and get documentation. I asked if we could call together so they could hear everything. They laughed and said no you can go call from your car. I did this leaving me no choice and of course the airline wouldn't provide me with anything unless I had a booking number which obviously I don't have since I didn't purchase anything. 

There were approximately XXXX attempts that day. Today is the XXXX of XXXX, Wells Fargo will not refund my money and I am overdrawn. I have escalated this case to every superior manager I can. I have gone into the branch and treated horribly. I have been a very loyal and good customer for 26 years. The individuals who stole my information tried again today and called my cell phone saying they were Wells Fargo Fraud Dept. I said I didn't believe them and they hung up on me. I contacted Wells Fargo immediately and told them of this call. They could see the attempts again but still will not give me back my {$2200.00} I don't know what to do. I have {$17.00} to my name and work very hard for my money. 

Can you please direct me or assist me with any rights or actions I can take. 

XXXX XXXX XXXX I spoke with even said on the phone she didn't know why they approved XXXX Here is her info : XXXX P. XXXX number : XXXX XXXX Office Case XXXX Enterprise Complaints Management Office Thank you so much XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX  ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Checking or savings account

My account was compromised on XX/XX/XXXX. I called to have it secured again. My account was then frozen for over a week. I sent my identity information and changed my email, password and phone number back to what it was supposed to be as the hacker changed it all. I contacted them via email and phone calls over XXXX times. They finally unfroze my account XX/XX/XXXX. Within 3 days my account was hacked again and the person was able to make XXXX transactions before I could get someone on the phone to stop them. XX/XX/XXXX my account was frozen again. I sent all the information they requested about XXXX more times and called and emailed and after a week was able to change my information back once more but this time they kept my account frozen. XX/XX/XXXX I was emailed that they were closing my account, due to a risk based decision. I have since called XXXX times and emailed XXXX times asking if I will get my money back and how long it will take and how I will get it. They have no answered that question. Instead they just sent me a new email saying their decision to close the account remains the same. I can not get anyone on the phone who can give me an answer about how to get my money, which totals XXXX.
Product: Credit card or prepaid card

Dispute is towards HSBC Initial fee was for {$45.00} at XXXX XXXX XXXX XX/XX/2021 XXXX late fee was for {$25.00} on XXXX @ XXXX 2021 XXXX late fee was for {$37.00} on XX/XX/XXXX Payment made for both late fees and initial purchase on XX/XX/XXXX for {$100.00} When i attempted to pay my debt i set up a payment date so the money could come out of my account at a certain date but apparently something went wrong so my payment did not come out the date i thought i scheduled the payment for and i was unaware of this incident. I did not go back in to check if the money had come out of my account or not because im so use to it working i did not think twice about going back in and checking my account for conformation. I dont use my credit cards everysingle month i try to rotate them and use them all periodically. I emailed them a goodwill letter and got no response in a timely manner and im trying to have the 2 late payments removed so i can start up business credit and start my trucking company but these 2 very small late fees are hindering that process and i have no other derogatory marks on my entire credit file and i have even paid the fees in full and have still had no help from them whatso ever. I had a score of XXXX and the 2 late fees they added to my file dropped my score XXXX points
Product: Credit card or prepaid card

Received a cash app card.I never applied someone used my social security number.I called the company they said they closed my account and that I should file the report
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$440.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$700.00}. Please delete these fraudulent accounts ASAP.
Product: Credit card

There was an unauthorized charge on my account from a social media company called XXXX in the amount of some {$620.00} or so. I called my Southwest Airlines Chase credit card and disputed the charge and also complained that they had not honored my request to ban that merchant, as that merchant had tried to charge my card without authorization previously. 

Between XXXX XXXX and XXXX XXXX, I have spoke to nearly half a dozen representatives who have assured me they were closing my account and nothing would be owed. Just today I got yet another statement in the amount of {$98.00} which appear to be late fees and interest and such. 

This is appalling. I realize hiring people overseas saves money, but every single person I spoke with has done an incompetent job and I am left, months later, still dealing with this. 

Not to mention this could affect my credit adversely. 

I would greatly appreciate any assistance you can provide in helping to resolve this matter. This is my first complaint with you, but enough is enough. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.
Product: Checking or savings account

On XXXX went to ATM to withdraw {$XXXX} for my car payment. Got Error from ATM money not dispensed. Called the ATM company and was told to filea regulation E-claim and would have my money back same day. 

Called chime told them and was told I'd have my money within XXXX hours. I've called them daily and they told me they are investigating and won't be resolved until XXXX XXXX this is fraud. They stole my {$XXXX} and I'm getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.
Product: Debt collection

Commonwealth Is slamming my credit report with bullying tactics for a so called debt that I do not owe. In the past months they have plagued my credit report with 3 different derogatory marks for exactly the same amount, {$1900.00} ( no change ) First was XXXX on XX/XX/2021 and then thru XXXX on XX/XX/XXXX and also on the XXXX of XXXX. Something else I found strange is that my credit report was also hit by XXXX XXXX XXXX on XX/XX/XXXX of XXXX with the exact same charge of {$1900.00}. All of these Fraudulent charges stem from an old Fictitious medical bill for services that were never rendered. I do not owe this bill and I should not be harassed for it. I have beat these collection agencies repeatedly in the past and I do not understand why it keeps coming back. How they repeatedly get on my credit report is Absolutely Ridiculous.