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

I reviewed a copy of my credit report and I've noticed that XXXX XXXX  XXXX XXXX XXXX XXXX place a closed account on my credit report. This closed account streamed from a fraudulent balance of {$210.00} in which I paid for to keep my account in good standing with the bank. Despite paying the balance. The bank closed my account after paying for a fraudulent transaction that I did not participate in or took part in. I am requesting that you remove this closed account off my credit report. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provision of 612 15 USC 1681j, there should be no charges for this report. This closed account shows on my Experian and XXXX. It was removed from my Equifax.If, after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.
Product: Checking or savings account

I sent transfer request by XXXX XXXX from my BMO bank account in California, XXXX to XXXX, XXXX. The funds did not arrive in XXXX as promised and XXXX XXXX said they returned my funds back to my BMO account in California. When I tried to access my BMO account, they said that my account had been locked because " I '' put in the wrong password ten times. I don't believe I put in the wrong password. After many phone calls, BMO requested that I send them a notarized copy of my passport, which I did. After I sent my passport copy, in order to prove my identity, BMO said they can not accept the notarized passport if I don't include the business card of the person who notarized my passport. 
I felt this was unreasonable and only further delayed me from getting access to my account. In addition, when I sent BMO additional documents through their " secure site, '' BMO said they never received any of my documents.

So, I re-sent my documents more than seven times, while I was calling them over 20 different phone calls, while being put on hold. While I was on hold during a phone call, BMO said they would send me a different link to send my documents, After I received their new link, I sent the documents again, and again BMO said they didn't receive my documents, My hypothesis is that they don't want me to see my account until they figure out what to do about the strange XXXX XXXX and XXXX transactions. Anyway, I feel that something is being hidden, and something is for sure ethically wrong with this situation.
Product: Debt collection

XXXX XXXX Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$850.00} past due as of XXXX XXXX XXXX limit was only {$2000.00}, indicating over-limit status which I did not cause. 

XXXX XXXX XXXXXXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Status indicates " Paid, Closed, '' but I did not open this account. 
XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1600.00} written off. I did not open this account or incur this debt. 

XXXX XXXX ( 1st account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$200.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 
XXXX XXXX ( 2nd account ) Account Number : XXXX ( assuming the last four digits ) Discrepancy : Closed. {$230.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize the opening of this account. 

XXXX XXXX Account Number : XXXX ( assuming the last four digits ) Discrepancy : Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/2023. I did not create this account and am not responsible for the charges. 

XXXX XXXX  Account Number : XXXX Discrepancy : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/2023. I did not authorize this account or the accumulated charges. 

XXXX XXXX XXXXXXXX Account Number : XXXX Discrepancy : Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/2023. I did not open this account or approve any charges. 

XXXX Account XXXX : XXXX Discrepancy : Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/2023. I have no knowledge of this account 's creation or charges. 

XXXX Account XXXX : XXXX Discrepancy : Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/2023. This is not my account, and I did not make these transactions. 

XXXX XXXX  Account Number : XXXX Discrepancy : Transferred, closed. {$12000.00} written off. I did not create this account or incur this debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$970.00} past due as of XX/XX/2023. I do not recognize this account or the associated debt. 

XXXX XXXX Account Number : XXXX Discrepancy : Open. {$4100.00} past due as of XX/XX/2023. This account is fraudulent, and I did not take on this obligation. 
XXXX XXXX  Account Number : XXXX Discrepancy : Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/2023. I did not open this account or accrue this debt. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : Collection account. {$120.00} past due as of XX/XX/2023. I do not acknowledge this debt or the associated collection action. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : Collection account. {$2500.00} past due as of XX/XX/2023. This debt is not mine, and I did not authorize any activities leading to this collection.
Product: Mortgage

Bank of America continues to violate the Consent Agreement of XXXX and illegally still using false assignments caught in the IFR federal audit  in XXXX, and forged robosigned indorsment on the mortgage note.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX reporting agencies are still reporting inaccuracies, derogatory information about my accounts and refuses to reinvestigate each account and send me detailed information as to how they keep stating accounts are accurate. Delete or correct misinformation. And stop putting these accounts back on my report as validated and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX XXXX Re : Cease and Desist False Reporting Contact To Whom It May Concern : This letter serves as notice to you and your company to immediately cease and desist erroneous credit reporting. 
Pursuant to the Fair Credit Reporting Act for fair and legal reporting debt, we demand that you and your company stop the monthly charge offs. 
We closed our account in XXXX due to fraud and you have placed over 50 charge-offs since then. You are deliberately keeping the account open to justify the reporting monthly charge-offs. Per your website, members must maintain a {$5.00} balance to keep accounts open. We have had a zero balance in the account since XXXX. Yet, every month, you send a statement reflecting a zero balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), this falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX
Product: Debt collection

This company HR RG has called my house daily during the week and even sometimes on the weekend for the last 3 or 4 months. I have contacted them and they said it was for XXXX. I told them XXXX does not live here and they said they would take my number off their call list. I am still receiving calls from them, now they are asking for my mother XXXX. XXXX passed away 2 years ago, so I called and told them that. They got tacky with me and said my number was removed and I told them they were still calling. She argued with me and hung up. I want the calls to stop from this company. I have tried call block, but they call from many different numbers. They leave messages daily, I could only trace the numbers back to the XXXX on my phone. The numbers include : XXXX called me twice on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX I have talked to them several times and told them to quit calling, two of the people hung up on me when I told them to stop. I am getting sick of them calling me, this has nothing to do with me at all. Thanks, Here is the message they leave : This company Hello this is HR RG calling. Please return our call by calling XXXX between the hours of XXXX XXXX  and XXXX XXXX. May ask for XXXX or speak to an associate who answers your call. This message repeats. Hello this is HR RG calling. Please return our call by calling XXXX. Hours of XXXX XXXX  and XXXX XXXX. Ask for XXXX or speak to any associate who answers your call. Thank you.
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally, emotionally and physically continuously.
Product: Credit reporting or other personal consumer reports

I received a XXXX XXXX XXXX XXXX with a limit of {$500.00}. 
XXXX XXXXXXXX allowed a merchant that I had done business with in the past to charge an additional {$1300.00}. 
I disputed the amount. It was incorrect. And, my limit was only {$500.00} and I did not approve this transaction. 
When i got the bill I attempted to make a minimum payment on the total {$1800.00} so that I dont get reported late. While, trying to resolve the balance. HoweverXXXX XXXX XXXX insisted that I pay the entire amount above the {$500.00} limit at once. I was unable to. And, they reported me late and closed my card. This has made my credit score drop XXXXXXXX XXXX  I took them to small claims and agreed to pay in full just to remove this negative on my report. The lawyer was adamant that his client wont settle. This is their tactic to make money off their client. Losing my credit has made my life a living hell.. I should have been allowed to make minimum payments so not to be reported late.
Product: Mortgage

To Whom It XXXX Concern : Re : Wells Fargo refund checks for Mortgage rate lock extension fees refund. 
My XXXX and I received a letter from Wells Fargo stating that refund checks were coming to us on XX/XX/2020. The checks were for {$3200.00} and another for {$250.00}. The checks came but have been impossible to cash because the checks were made out to both my XXXX and I ; we no longer hold bank accounts in both names. We both have tried to contact Wells Fargo and asked the checks be reissued differently to no avail for the last 2 years. We are either told " too bad '' or the latest " it will take another year to investigate '' while there is nothing to investigate. They owe us this money and have been met with stumbling block everywhere we turned in that company, as they have no intention to refund us that money. 
I believe the refunds had to do with a lawsuit mortgage redress were Wells Fargo was obligated by law to refund customers who were overcharged. 
Thank You
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. 

Account Name : 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  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( 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 seven years.

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 card or prepaid card

Open the account and after receiving first statement, I called company to close account on XX/XX/XXXX. I was told I need to pay the balance on the account before I could close the account. I paid the balance $ XXXX and closed account because I decided I was not going to be flying XXXX. I never even activated my cards. The amount charged on the card was charges through XXXX. I am now discovering Citi is charging me {$25.00} late fee on XX/XX/XXXX, the day after I closed the account and was told the balance on the account. Citi has been charging me late fees and interest since XX/XX/XXXX and now the balance is $ XXXX. I do n't want this to affect my excellent credit rating so I am going to pay the balance but this is wrong. Citi did everything to try to have me not close the account and they are continuing to do everything so I do n't close the account even if it 's dishonest. I advise anyone against having a Citi card.
Product: Credit card or prepaid card

I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX
Product: Credit card or prepaid card

I did not make these charges. I 've never heard of these companies. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

was offered a credit card without applying several months ago. In XX/XX/XXXX, I was offered a promotion to transfer any balances up to my {$14000.00} credit limit with no interest or payments until XXXX. I transferred just under {$1000.00} r4om my discover card. I have since paid my account off every month. The method I use to do this is to check the statement balance, subtract the XXXX amount and pay the balance. A few times, I've had credits that have affected the balance after the statement " cut ''. On one occasion, a few months after accepting the offer, I received a statement that had the XXXX balance reduced by around {$14.00} even though I'd directed no payments to that account. I called the company and after playing for a long time with their on-line system - clearly designed so they never have to actually talk to a customer - actually spoke to some people who very unhelpful. In the end, after spending a couple of hours of my time trying to resolve this I gave up. As noted above, I have from time to time called the company to determine what payment needed to be made to maintain by promotional balance and not have any interest accrue on the remainder. This last statement showed my promotional balance completely wiped out, effectively increasing my immediate debt by almost {$1000.00}. After spending much more time on the phone a week ago, I spoke to a supervisor who indicated they had made a mistake and she would fix it and call me back. As of today, this has not occurred. I have communicated numerous times that I do not intend to pay off the promotional balance until the very last day of the promotional period, but they don't care they just want they money. This is a FCRA violation, blatant fraud and a violation of UDAAP. This has all been highly complicated by errors they have made handling several fraudulent charges on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Will not show the account as closed per XXXX account.
Product: Debt collection

XX/XX/2021 COMMONWEALTH FINACE XXXX XXXX XXXX XXXX, PA XXXX ***SENT VIA CERIFIED MAIL*** Certified Mail No. XXXX XXXX XXXX XXXX XXXX Commonwealth XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX COPY SENT TO XXXX  RE : Collection Account # XXXX To Whom It May Concern : This letter is being sent to you in response to an entry made on my XXXX, XXXX, XXXX  Credit Report, XX/XX/2021. I neither affirm, nor deny this purported debt. You claim I owe {$2200.00}. Please tell me how this was calculated. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec809 ( b ) that your claim is disputed, and validation is requested. I am herby requesting a copy of the last bill that says I owe somebody and a signed cop of the agreement. In addition, I need to know how much you paid for this debt, what was the original delinquency date according to the amount you say I owe.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the
above-named Title and Section of the Fair Debt Collection Practices Act.

You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Your legal staff will agree that compliance with this request is required under the laws of State and Federal Statutes.

In addition to the debt validation form, please attach copies of : 1. Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal Authorities. I also hereby reserve my right to take private civil action against you to recover damages. 

In addition, The Fair Credit Reporting Act states that while this item is being investigated by you ( under dispute ) you must remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. I have taken the liberty in also copying this request to the Credit Reporting Agencies. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Cc : CRAs ( XXXX, XXXX, and XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.