23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, as I do every week, I checked my credit report. I noticed I had a collection, which I have not had any collections in awhile. I lost everything a few years back and was able to get my credit out of the gutter. So I look on the XXXX and there is some charge on an account that was opened in XXXX XXXX. I didn't open anything and I do not have XXXX. I never had XXXX. I submitted a dispute for each of the credit company 's and called the collection company and told them I had no knowledge of this debt, I did not open any accounts with XXXX. They said its from an account in XXXX. I never heard anything about this so called debt owed from XXXX. Now my credit is tanking. They told me to file a police report. On a debt they say is from XXXX? No, I think this company is trying to steal money from people. I hope that my credit companies remove this from my credit report. I asked them to verify the debt or some kind of bill and I have not received anything. But every day my credit continues to tank because of this. 

If i owed anyone any money from that long ago, WHY is it just appearing now? Its a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday XX/XX/2021. I did not apply for a card. Please remove
Product: Payday loan, title loan, personal loan, or advance loan

I started receiving emails from Chime, welcoming me and telling me to get the Chime app. I ignored them because I had not applied for an account nor requested any information from Chime. I have never even heard of the company. The emails kept coming and then I received an actual debit card in the mail. It says to call the number to activate the card. I called the number and it wants the last 4 digits of my SS #. I hung up because I dont want them to have more information. They already have my email address, home address and phone number. Help! How do I cancel this account?
Product: Credit reporting or other personal consumer reports

XXXX  - credit report ===== XXXX XXXX, I would like to remove obsolete information off from my Equifax report credit file. There are two accounts which have closed and, paid whose dates of last activity are over 10 years. These people at Equifax are impossible to deal with and in the past they have been unresponsive. 

Could you help me to contact and resolve these issues with this bank/ Equifax The creditors name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the other is the XXXX XXXX XXXX. 

thank you
Product: Checking or savings account

On XX/XX/2023, bank charged me a statement fee. On the previous statements no such fees were charged, and no communication was sent to me that such a fee will be charged on the next month statement. 

They have some sort of a policy that if I am enrolled into their smart rewards, I will not be charged a statement fee. I have been enrolled in this program since XXXX but was not charged a fee until I received the latest statement from XXXX which showed the fee in one of the transactions.

Also, the fees are shown as one of the transactions under withdrawal. I think they should have shown me the fees charged Year to Date separately so that it is quite visible and clear.

Contacting them is super difficult. One can only contact them via phone and no email. On phone the customer service agent when asked to file a complaint, seemed to justify fees rather than instruct me with directions on what happens when such a complaint is filed.

They did not even honor correcting their mistake or crediting me the fee amount.
Product: Debt collection

DATAMAX CORP This account was paid for with XXXX. 
I have asked them to remove this.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1100.00}
Product: Money transfer, virtual currency, or money service

I was issued a refund from PayPal on XX/XX/XXXX, which was completed early on the XXXX, however this could not be possible because the XXXX XXXX XXXXXXXX account that the money was sent to was closed in late XXXX. I have been going back and forth with PayPal and XXXX support, but to no avail, as PayPal will not help me to locate my funds even though the bank automatically rejected the money and it was immediately sent back to PayPal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX ( Account Number : XXXX ). This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history.
Product: Credit reporting or other personal consumer reports

Hello, I have written Experian several times stating I have Inquiries on my credit report that are fraudulent or identity theft for I never gave permission for these companies to run my credit report. Experian writes back letting me know to validate my identity even after I send them plenty of proof as I will again today attached. Please inform them of my issue below. 

RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 XXXXXX/XX/year> I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give Experian permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, Experian to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

This account is medical. Amount is {$3400.00} as of XX/XX/XXXX. This account was paid by the Florida XXXX insurance. I tried to reach out to them but never received an answer. Upon looking over my credit report this collection showed on it. Now this account was paid. I want it removed from my credit report. Then I looked at another report from XXXX  this account came up. And with a different amount owed!!! Now I disputed it and yet to get this account off my credit report.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed charges on my credit card that didn't make sense to me. I researched online the abbreviations that I didn't understand. There were five companies listed : XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, XXXX {$39.00} in XXXX, and XXXX {$54.00} in XXXX. In researching, I found these were online dating services. I live in XXXX and have no idea how these charges got on my Bank of America XXXX. 

I called the Customer Service number on my statement who transferred me to their Fraud Department. Unfortunately, I did not write down the name of who I spoke with but she immediately cancelled my credit card and issued me a new one with a different account number. This lady said all charges would be removed. She also said that in looking back previous statements the charges were also listed on other months ' statements. I was surprised to learn of this. Typically, my credit card charges range anywhere from {$2000.00} to {$5000.00} monthly, I do not look at every little charge and did not notice it until the XX/XX/XXXX - XX/XX/XXXX statement. I was informed that Bank of America 's Fraud Department would investigate how far back I had incorrectly been charged and then reimburse me for them. The lady assured me I would not be responsible for these fraudulent charges. 

On XX/XX/XXXX I received a letter in the mail stating that after additional review, it had been determined my fraud claim was not approved because payments were made and statements were mailed to my address since XX/XX/XXXX. Again, I was not aware of these fraudulent charges until XX/XX/XXXX. 

I have tried talking to Bank of America and they are standing firm in their decision. I did not make these charges and I do not agree with paying for them. I am paying the amount of my credit card that I know are my charges. I am not paying for the {$1500.00} in accumulated fraudulent charges. I have had this credit card for 30 years and have never had an issue before. After paying the amount I owe, I am cancelling the credit card - NOT paying the {$1500.00} or the {$41.00} in finance charges.
Product: Credit reporting or other personal consumer reports

The Experian report includes : - Inaccurate reporting of 30 and 60 days for 2 accounts - Inaccurate reporting of 30 days for 1 account - 2 closed charge-off accounts, requestng verification - 1 collection account The TransUnion reports includes : - Inaccurate reporting of 30 days late for 3 accounts - Inaccurate reporting of 30 days late for 1 account - 2 charge-off accounts ; 1 is PAID
Product: Debt collection

I am disputing a debt being collected by XXXX XXXX XXXX for an apartment I previously leased at XXXX XXXX XXXX XXXX XXXXXXXX in XXXXXXXX XXXX. While I received a response from XXXX on XX/XX/year>, the information provided was incomplete and failed to address the full extent of my dispute. 

Several key issues remain unresolved : Incorrect Address : Notices and billing statements were sent to an address I have never lived at ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ), which denied me proper notification and a fair opportunity to dispute. 

Unsupported Charges : Over {$600.00} in alleged damage and cleaning fees were charged, yet no photos, invoices, or inspection reports have been provided despite my formal written requests. 

XXXX XXXX Violated : The lease agreement ( XXXX  XXXX ) states that such charges must be justified and applicable. Without documentation, the charges are unsubstantiated.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name and # : 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 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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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
Product: Credit card or prepaid card

I use my XXXX  in XXXX on a Car service but canceled the car before the XXXX time to cancel and I had the proof of that but the XXXX company says only the company that changed my XXXX can take the charge big of my XXXX when I have the paperwork to prove I canceled the service way ahead of time. The problem is the car service makes you go into their own website to make changes to car pick up dates then saying you never sent the change and wont show you the actual internal company email page you submitted the change on but just what ever they want to show you from what ever they want to show you but not the actual internal email you sent to them.
Product: Checking or savings account

My crypto withdrawals have been blocked on Robinhood with no warning. I supplied the verification ( which Ive already done twice within the past XXXX weeks ) and now its saying XXXX business days for review and approval. 

I received no email or notification from Robinhood stating that my account is blocked or any service is restricted. I was able to seamlessly deposit and buy crypto, but suddenly my withdrawals are stopped. This is extremely unethical - first my entire account was blocked conveniently while a deposit into the account was pending, now XXXX cant withdraw my crypto. It seems like this company is taking every opportunity to scam me out of my funds. 

XXXX XXXX on the phone informed me theres nothing she can do to speed up or expedite the process after a XXXX minute hold. 

Robinhood needs to unlock my withdrawals immediately and assure me this wont happen again.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Payday loan, title loan, personal loan, or advance loan

I took a loan out in or around XX/XX/year> I had several hardships and am struggling to repay the loan. However the law permits the lender only two failed attempts to withdraw from bank and thats it they have made several attempts! Which creates many overdraft fees for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 we were scammed into transferring {$500.00} from our US Bank savings account to another account via XXXX. Upon realizing we were scammed we called US Bank the next day on XX/XX/2020 to let them know of the scam and reported the case to their fraud investigation team. The person on the phone said they would start an investigation case and would issue a credit of {$500.00} to our account if the case took more than two weeks. The case did take more than two weeks to resolve but no credit was ever issued to our account. We called them again multiple times and were given different answers by the Bank. One time we called and they claimed our case was resolved and that we could not get our {$500.00} back because we transferred the money through XXXX and XXXX does not have a fraud protection program unless we do a police report to catch the scammer and make them pay us back our money. After being told this we called US Bank again to try and get information on the scammers Bank, but then they told us that our case was still pending and not yet closed and contradicted the previous call. We are very confused with how our case was being handled. They then told us that XXXX scams were very common because scammers know it is almost impossible to get your money back if you are scammed through XXXX. We saw that XXXX is officially backed by US Bank and that gave us a sense of comfort that the transaction would be protected by our Bank, when in reality it is not. If the bank knew that XXXX scams were very common and that XXXX does not do much to help secure transactions from fraud then why promote XXXX without a disclaimer? We feel US Bank failed to protect us or warn / notify us of the XXXX service that they promote and back, and were scammed out of {$500.00}.
Product: Prepaid card

I got unemployment from XXXX XXXX XX/XX/year> and there was money taking out and put in my account I knew nothing about fraud transactions I didn't make I called to let the bank know and they would make up something hang up keep me on hold lied about my account being opened and close could not provide where the money was are anything kept my account open years after I stopped banking w them
Product: Mortgage

In reslonse to my complaint filed on XX/XX/2018, Wells Fargo stated they were unable to contact me. 
Wells Fargo called me on XX/XX/2018 and notified me they were reviewing my case and I verbally spoke to XXXX. 

XXXX from Wells Fargo called me again on XX/XX/XXXX and notified me there would be a delay in investigating my case. Wells Fargo called me twice and I answered and spoke with XXXX both times. 

Their statement is untrue and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted Identity Theft doc 's to the Experian Credit Bureau, asking them to block info of my credit file. They then sent a letter saying that the files on my credit report were verified. According to 609 of the fair credit reporting act. it says that before a credit bureau can report anything on your credit file, they need to have the original docs to verify.