23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While incarcerated from XX/XX/XXXX until XX/XX/XXXX, multiple fraudulent accounts were opened in my name. All of the accounts were opened while I was in prison and are a result of identity theft. Bank of America allowed 3 credit card accounts to be opened in my name beginning in XXXX of XXXX. The accounts were closed at my requested in XXXX of XXXX. A XXXX 's XXXX XXXX XXXX  account was opened during this same period with a balance of {$5000.00} in addition to a XXXX department store charge card with a total of {$2000.00} in fraudulent charges. I contacted XXXX XXXX XXXX XXXX  to dispute these accounts. As of today only XXXX  has removed the fraudulent accounts. XXXX  reported the fraudulent activity to XXXX XXXX XXXX, however neither XXXX or XXXX has removed the fraudulent accounts from my credit file. Bank of Americas credit cards have a total of {$35000.00} in fraudulent debt opened in my name. Bank of America XXXX XXXX XXXX has a total of {$17000.00}. Bank of America XXXX XXXX XXXX has a total of {$9700.00} in fraudulent charges. Bank of America XXXX XXXXXXXX credit card has a total of {$5800.00} in fraudulent charges all as a result of identity theft. All of these accounts were opened as a result of identity theft while I was incarcerated. I do not know who opened these accounts and have exhausted all my options and resources to resolve this matter.
Product: Mortgage

Wells Fargo lied about removing my primary mortgage insurance qualifications. 

They have changed the original terms agreed when we started our loan. We have never missed a payment or been late. In fact we pay more into our mortgage every month. 

They have also now requested a 75 % LTV to remove Primary Mortgage Insurance. 

As stated in our original loan documents we can request to remove PMI after 80 % Loan to Value. 

They now are asking for us to pay an additional {$25000.00} to remove our PMI. 

Please help us out.
Product: Debt collection

My identity was stolen and this student loan does not belong to me. I never applied for a student loan.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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 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>
Product: Vehicle loan or lease

This submission is not from a third party. I, XXXX XXXX. Natural person, XXXX, XXXX, XXXX, XXXX this notification of Federal violations and FederaXXXX laws. Ive notified ALLY FINANCIAL INC on XX/XX/XXXX of Fraudulent Activity and ask for documentary evidence of the alleged Debt. I Entered a Consumer credit Transaction with ALLY FINANCIAL INC on XX/XX/XXXX and a Finance charge was involved Pursuant to 12 CFR 226.4 Finance charge which is defined as definition The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as incident to or a condition of the extension of credit. It does not include any charge of a type payable in comparable cash transaction. Pursuant to 15 USC 1605 ( a ) Finance charge is the total sum of all charges there is not suppose to be cash taken in a consumer credit transaction Ally Financial INC Collected monthly payments from since 03/21/2018 which is a Violation of 12 CFR 226.4 and 15 USC 1605 ( a ) in Exhibits A, B Ally FINANCIAL INC Failed to disclose me my RIGHTS of RESCISSION and provide me with the appropriate forms to exercise my RIGHTS which is a violation of 15 USC 1635. ALLY FINANCIAL INC is in Violation for Criminal Liability for willful and knowing violation 15 USC 1611 ALLY FINANCIAL INC gave false or inaccurate information and Fail to disclose my RIGHTS I have been emotionally and physically harmed because of the hardship this company has put me through and being deceptive and not honest which holds ALLY FINANCIAL INC in violation of 15 USC 1640 and violation 15 USC 1692k all the violations are circled in the exhibits A, B. I would also want my money refunded by check of all payments paid already to ALLY FINANCIAL INC By Check to my address listed also zero out the balance an grant me my title lien Free. pay the invoices for compensation pay 3x the finance charge pursuant to 15 USC 1692 H
Product: Credit reporting or other personal consumer reports

I noticed these late payments are inconsistent with my usual payment record, so I kindly ask that my accounts be updated accordingly.
Product: Credit reporting or other personal consumer reports

My credit report contains hard inquiries I didnt approve. To comply with 15 USC 1681c-2, I ask that these inaccuracies be promptly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the lack of response to the multiple disputes I submitted to XXXX, XXXX, and Experian. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Product: Debt collection

I found this as a derogatory account on my credit report and later I find I am being called, daily by this same company, and mostly right when I would be in meetings with company. I spoke with them briefly and recorded on paper, their mailing information so that I could properly address the situation with them, requesting the contract in which if I am to owe them anything, I would have to had agreed and hand signed for it. They have failed to return the document ( s ) requested, therefore providing thus far that this alleged debt is exactly that, alleged and therefore bogus. They have not provided a copy of my written consent to either report my information in a negative manner, or to contact me, especially since there is no debt to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I deactivated my Zelle account used with XXXX today, XXXX, by mistake. When I attempted to reactivate/sign up, the error message states the phone number as well as email can not be used with Zelle even though account was just recently deactivated.. Email used is XXXX. The Zelle rep stated the number, XXXX, was blocked due to service violation and did not disclose what the violation is, referred me to a Zelle site which lists various reasons, nothing specific to myself or my account... Needless to say, this is a mere run around, appears to be a bogus answer... I believe bogus because the account was used with no issues in the past, sent money to several people, not used fraudulently, was just active several hours prior...
Product: Credit reporting

I disputed XXXX XXXX XXXX XXXX with Experian. Experian investigated the account and sent me the results that XXXX XXXX XXXX XXXX " remains ''. My Experian credit report shows ; " the date opened is listed as XXXX XXXX ; the account is scheduled to continue on record until XXXX XXXX ''. I was a victim of fraud and do not have any information on this alleged debt. I do not believe this alleged debt should be on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 

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

There is a glitch in my credit file at XXXX. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use XXXX and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my XXXX credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the XXXX guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to XXXX for the last couple of years. Its not fair to have my life on hold because XXXX will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? XXXX should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault XXXX cant fix the glitch in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have not sent me validation of the account on my credit report XXXX XXXX auto finance. XXXX has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from XXXX  or transunion they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my Transunion and XXXX  Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I ordered and paid {$230.00} for a plant that was being advertised on XXXX. I paid for the plant via XXXX from my Capital One checking account. Once the seller received the funds, I stopped hearing from them and recieved no replys to my attempts in connecting. I was scammed. Realizing this, I immediately called XXXX to report the fraud and in reply, they referred me to Capital One for assistance. I then called Capital One and filed a claim for the transaction. I was told that if evidence was required, I would be asked for it. I then received a confirmation and a case number as being XXXX. 

On XX/XX/22, I received another communcation from Capital One confirming that they were still working on my claim. 

On XX/XX/22, I received another communication from Capital One saying that their review was completed and my claim ws denied. 

I contacted Capital One on XX/XX/22, very upset about their decision. I asked numerous times to speak with someone but I was consistently denied this request. I was told that the reason for the denial was due exclusively to the fact that I used XXXX and as such, I am not supposed to send money to someone I do not know with XXXX and therefore, do not qualify for any assistance or support from them. 

After hanging up, I decided to re-contact Capital One again but this time, ask that a claim for the {$230.00} be filed under the reason that I did not receive a product that I had ordered vs before which was under the reason of fraud/being scammed. Knowing that these two types of claims are dealt with very differently, I had ever reason to believe that I would receive assistance under this new claim filing. The agent I spoke with however said that I was not allowed to re-file the claim under different reasons despite the fact that I did indeed order something that I hadnt received. Regardless of how much I attempted to reason with the individual, I was not permitted to speak with anyone in the claims department and not permitted to pursue my claim in any manner. 

Because Capital One never asked me for any evidence that they could consider, I decided to send them one final letter ( still on XX/XX/22 ) with the supporting evidence in hopes that they would re-consider their position in not working with me to recover the {$230.00}. 

I never heard back from anyone.
Product: Money transfer, virtual currency, or money service

I was scammed via wire transfer for {$9700.00} out of my Wells Fargo account on XXXX XX/XX/2024. Wells Fargo froze my accounts less than an hour after the scam phone call. XXXX  XXXX XXXX contacted me on XX/XX/2024 and said they had the scammed wire transfer, and I went personally to my bank and they received this information. My bank said they would recover the funds and have them back to me within XXXX to XXXX business days. On XX/XX/XXXX I received a letter from Wells Fargo containing a Hold Harmless and Indemnity Clause that I needed to sign and send back in order to recover my funds so they could release my information to another bank. Nothing happened in 7 days, and my bankers told me the XXXX  XXXX XXXX had never received the paperwork. Wells Fargo had sent it to the wrong place. We sent it again and were told " within 3 - 5 business days. '' On XXXX XX/XX/2024, I received a call from the Claims Department. They said XXXX  XXXX XXXX could not return my money because they did not HAVE my money. When I said that I didn't want to have to get a lawyer to retrieve my money from their mismanagement, they said that I couldn't sue them because I had signed an indemnity clause. They told me today that they closed my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my Experian and XXXX credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX  via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX  deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I contacted the Equifax line that is supposedly assisting consumers who were victims of their security breach. I would like an extended fraud alert placed on my credit reports and they not only will not do so without a police report or other proof of my identity being stolen, they did not have a phone number for me to call to request it due to their inadequate security of my personal information. This is unacceptable. Why would I want a one-year identity service from them and then have to send them in writing that I want to opt-out of the clause to sue them for this breach and their release of my personal information. They MUST offer victims like myself an extended fraud alert on our credit reports and allow us to request and implement online, not in writing. This is the most outrageous display of abusing consumers who are victims of their negligence. Take action against this company and the " leaders '' who clearly abused their knowledge of this breach at the expense of innocent consumers. Allow us to protect ourselves IMMEDIATELY and at NO COST to us by placing extended fraud alerts on our credit reports online. Thank you.
Product: Debt collection

On XX/XX/2020 I was to check my bank account and noticed there is transaction that pertains to company Comdata. I do not have account with them, nor purchased any services from them. They withdraw from my account {$4300.00}, and made my account to go into negative status. I attempted to call them at multiple phone numbers : and finally got to XXXX at XXXX. She listen to my compliant and transferred me to XXXX, who was very rude, and transferred me to XXXX. I told to XXXX XXXX would like to know how did they get my account info, and she told me : Call your bank, we do not have anything to do with that. I stated to XXXX, that I am, and that they will be reported to Government agency for hacking into peoples accounts, and getting money they way the wanted. I want to report you this fraudulent transaction, and please if you can contact Comdata. Once again, I never gave them authorization nor bank account number, so I have no idea what this charge is. 

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

The debt collector and Upstart Loan and XXXX is reporting false and misleading inaccurate unfair information on my credit report ( FDCPA ) ( 807,15 U.S.C ) ( U.S.C1692e ) Upstart loan can not falsely report debt as delinquent and misrepresent the amount of debt owed when it's paid in full.

Unfair Practices ( 808,15 U.S.C 169f ) The debt collector is incorrectly reporting paid and disputed debt as delinquent and derogatory ; they are in violation of both FDCPA and FCRA
Product: Debt collection

My latest credit report shows several accounts I believe were added without my approval. I ask that these fraudulent accounts be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : Child SPRT Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 602 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 XXXX  than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX and TransUnion to remove this account on my credit report that's not mine. Please assist me, thank you.
Product: Debt collection

I do not have a contract nor did i authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some account. 



JEFFRSON CAPITAL SYST XX/XX/year> {$1800.00}