23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, a storm brought a tree down on my home landline, so I decided to go with XXXX XXXX XXXX for my home phone service. I called to set up the service, but no one came out to connect the landline. The service was never established, but I received a bill in the mail. I called XXXX XXXX XXXX to cancel the service. The representative said that there would be no charge, but every year I receive a collection letter from a different agency attempting to collect money for services that were never established. I have spent several hours on the phone trying to get someone from XXXX XXXX XXXX to address these charges. There is no evidence of phone service at my home, nor any calls or data records for phone service. Every time I dispute the charges, they go to another collection agency. This has been going on for years. Now XXXX XXXX XXXX is telling me that the bill is too old for them to review the details. Account # XXXX. A charge for {$97.00} in now on my credit report. I disputed the charges with IC System and received a letter that stated that it was a legitimate claim, but no one at XXXX XXXX XXXX can provide me with any information regarding these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed and inquires were not done by myself. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors or inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its being reported by a collection agency that I've been 30 days late on payments. I have not agreed to any form of payment plan with the agency or original debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Experian does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I noticed I had fradulant accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.
Product: Credit card or prepaid card

In XXXX I purchased a XXXX XXXX for approximately {$2000.00}. 
At the end of XXXX I paid the bill in Full, including all the current charges, so my balance would be {$0.00}. 

I pay my bill every single month to reach a balance of {$0.00}. Occasionally paying 2x a month. 

Within the return period, I returned the complete XXXX XXXX, I got a partial refund and they delayed refunding me the full amount. I called Capital One to dispute the charge, and get the remaining amount of {$1000.00} stating that I want a refund and returned the money. Capital One issued a " Provisional Credit. " - in XXXX XXXX refunded the {$1000.00}. In the meantime, I continued to pay my credit card bill in full. Though at Capital One refused to allow me to pay on a certain amount stating I had a credit. 

On XX/XX/XXXX, Capital One then billed me {$1000.00} saying I owed it for the provisional credit. 

After careful review of my bills : Capital One is fraudently charging me {$1000.00}. So in essence, I'm being charged double for a bill I paid completely in full. 

Money I paid - {$1000.00} Money I was provisionally credited : {$1000.00} Money refunded by XXXX : {$1000.00}. 

As you can see Capital One now has {$2100.00} of my credits- from monies I paid and the XXXX refund. Plus all the other charges I have also paid in full You will see, that in XXXX, I paid off the complete balance of the XXXX Account. On top of my regular bill, and I paid in XXXX the full amount of the bill. Today I paid the bill in full again. But Capital One has refused to credit my account, even though they have not credited my account nor has it been debited from my XXXX XXXX Account. They are purposefully delaying transactions All of my other accounts have been paid in full. After reviewing my statements against monies paid to Capital One, they are playing a shell game with may payments. This is a complete violation of CFPB Law. When I pay a bill off in full, Capital One can't hold my money and apply it when they want to, and they credit my funds. Their refusal to accept my payment of my bill stating a credit, in full is also a an outright violation of CFPB Law. They are manipulating payments illegally to show better return to investors. 

Capital One is also not crediting my account with money I have paid electronically on the date I have paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items below do not belong to me at all. 

XXXX XXXX XXXX # XXXX {$1500.00} XXXX # XXXX {$1400.00} XXXX XXXX # XXXX {$1300.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$930.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$300.00} Collection # XXXX {$230.00} Collection # XXXX {$230.00} Collection # XXXX {$220.00} Collection # XXXX {$220.00}
Product: Credit card or prepaid card

XXXX XXXX credit card is through XXXX bank they sold to bank of XXXX when they did they charged my XXXX card over XXXX dollars since then my credit report has been negatively effect I call them they say yes we understand we are getting it resolved mean while my credit report is taken a dive do to me using more then XXXX percent of the XXXX dollar limit I call every day I want to sue them for this huge inconvenience it still shows I owe over XXXX instead the XXXX I do owe the false reporting has stopped me from buying a new car
Product: Debt collection

I never had XXXX XXXX XXXX XXXX when i received my credit report its shows that i had XXXX XXXX XXXX XXXX, I used XXXX for the past 10 years & i have 5 lines, internet, XXXX XXXX, someone used my name to sign up for cell phone services, i try to call them back and resolved the issue nothing happing this collection company these people are rude and incapable of performing their jobs, Totally disgusting and they need to be shut down! 



I keep receiving calls from Creditor Information SUNRISE CREDIT SERVI XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit card or prepaid card

I applied for the Wells Fargo / XXXX XXXX card. They denied my application for the following reasons : *Too many inquiries. 
*No open installment loans. 
*Too many late payments, negative records, collection agency accounts or derogatory public records. 
The first two items are subjective. However, I monitor my three credit bureau reports daily, and I do not have any late payments, negative records, collection agency accounts or derogatory public records on any of my credit reports. I have a perfect payment history for the reporting periods of all three bureaus. 
I called Wells Fargo and asked them to review their decision. They reviewed and sent me the same nonsense reply. 
In light of the massive fraudulent, criminal activity alleged against Wells Fargo for opening accounts that clients never knew about, I find it incredible that they use a bogus excuse to deny a legitimate application from a well qualified applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted wells fargo back in 2022, I informed wells fargo about the line of credit that wells fargo was reporting on my credit report using the wrong social security number. I contacted wells fargo 2yrs straight asking them to remove the fraudulent account, I was denied each time, the wells fargo account reporting on my credit report by wells fargo XXXX prevented me from obtaining a loan and getting a home for me and my family, I was also evicted out of my home in XXXX of 2022, due to me not being able to obtain a loan from any other bank because wells fargo still had this charge off on my credit report, I couldn't get a finance loan to obtain a vehicle for me to get back and forth to work, So i lost employment. wells fargo agree that for the past 2-3 years they've been reporting someone elses bad credit account on my credit report, wells fargi knowingly reported the account to all three of the major credit bureaus " XXXX, XXXX  and XXXX '' for years knowing that the social security number on the application didn't match the ssn that ; s on my credit report, I sent wells fargo a copy of my original ssn card through the cfpb and wells fargo sent me over the original application for the credit account, wells fargo removed the credit account and awarded me monetary relief, but the only monetary relief wells fargo gave was in the form of removing the account and telling me that I didn't owe the debt. I want montary relief in the form of check made out to me for the amount that wells fargo said that I owed wells fargo, I am requesting this amount which should be way higher due to the hardship I endured with this credit line reporting on my credit report, I was evicted with a back rent of {$20000.00} and I was denied financing for a vehicle due to the wells fargo charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.
Product: Credit card or prepaid card

American express closed my credit card automatically in a month after annual fee charges apply to my account, but charge me the annual fee for the whole year. My annual fee was charged on XX/XX/XXXX for {$230.00}, and american express close my account on XX/XX/XXXX. I make a phone call to american express, but they reject to refund the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use it. I have attached the necessary documents to support my claim.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXXXXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  Balance : {$8600.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to the Carvana website to find a replacement vehicle. The application was submitted by me after finding the vehicle. I paid {$2000.00} in downpayment to their lending source, XXXX. Carvana is where I bought my first vehicle. It was a seamless process with no problems. As a matter of fact, both of my parents made purchases from Carvana. As a result, there is familiarity with the process. Upon submitting the necessary documentation, I encountered a problem with my insurance information. My family ( mother, father, brother, and myself ) are all on the same policy. The declaration page displays our names. After removing the damaged XXXX XXXX, the XXXX XXXX XXXX was entered. The XXXX was given a temporary insurance card. The insurance company, XXXX XXXX, has my mother as the policy holder. Regrettably, Carvana was dissatisfied with the insurance information. Once again, they had received a declaration page. The XXXX XXXX 's documentation on the page was the problem. I spoke with numerous representatives at Carvana, but it still was not acceptable. Despite this, a representative tried to sell me Carvana 's car insurance. Yes, Carvana is now in the insurance sales business. Around XXXX EST, I received a text message stating that they had cancelled the deal and that my money ( {$2000.00} ) would be refunded within XXXX business days. 
I attempted to contact Carvana, but they blocked my number. I was able to get in touch with XXXX a Carvana associate, by using my mother 's phone. I explained the situation to her. She was very apologetic. However, she stressed that Carvana would not release my money for several days. I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that Carvana had received XXXX complaints in a XXXX period. Many have to do with the cancellation of the contract and the holding of the down payment money. 
Carvana 's process creates an atmosphere of fraud and deception. They take funds before full approval and then hold onto any money that should be properly reimbursed. Unethical and unscrupulous business transactions on behalf of Carvana.

While on the phone, another representative could be heard instructing XXXX to give me the standard call center message regarding the refund. Carvana operates under the guise of fraud. It's imperative that they be shut down.

Carvana and their lending entity, XXXX, extract money without full approval of the vehicle. Then, they cancel the loan, and the consumer must wait for reimbursement of the down payment. This hinders an individual 's life and ability to continue to function. They immediately took {$2000.00} from my bank account and now expect me to wait for a refund that will take a minimum of XXXX days. Carvana and XXXX have a history of delaying refunds, as per the XXXX 

Carvana has removed all pertinent information regarding my application and approval to purchase the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at I am Filing this CFPB to report separate fraudulent account appearing on my consumer fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal loan accounts and student loans opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept. of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand that the aforementioned fraudulent items be removed from each of m consumer credit report and that all collection activity related to said items cease pursuant to my right within the FCRA and FDCPA laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For some reason XXXXXXXX XXXX  has been on my report since XXXX or XXXXTHIS IS NOT MY ACCOUNT AND IS REPORTED AS FRAUD BUT Equifax continually puts it in collect for the 8 years. 
A ) I have attempted to contact Equifax but it goes in circles I can not get in touch with a live person.I also noticed the creditor or collection agency lied and stated it was placed in XXXX???? Why this was not caught by Equifax with their expert monitoring is beyond me. I want this removed immediately. 
B ) XXXX XXXXXXXX is also another Fraud Account, I sent letters stating those charges were not authorized by me that were made to XXXX???? XXXX also sent a letter stating the charges were unauthorized. Those are not my charges and I did not authorize.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$66.00}
Product: Money transfer, virtual currency, or money service

Zelle did not have the proper disclosure to confirm youre sending to the right person or not because if you mess up and send it to the wrong person. You can not get your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> I submitted the payoff amount for XXXX of my XXXX private federal student loans administered by Navient. The payment was processed and the balance on the account on XX/XX/year> now shows {$16.00}. I believe this is a pattern of phantom charges, hidden fees, and improperly applied payments to continuously inflate balances. The loan was paid in full according to the amount quoted on their servicing website. I have had it with them and their failure to disclose payment information and bait and switch tactics on loan balances. I want this loan updated to reflect the balance has been paid and my other loan to be investigated for improper fees and a full transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me # XXXX XXXX XXXX XXXX XXXX - Alleged Account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.Equifax is govern by 15 USC. And they violated my rights numerous of times I demand the accounts below to be removed because According to 15 USC 1681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX inquirys. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I settled with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Paid the settlement amount of {$950.00} which brought the account balance to {$0.00}. However, on my credit report it is reporting in a collections status. The agreement with the creditor was that if I agreed to settle for the said amount above once paid it will report on my credit report as a Closed/Paid account with a {$0.00} balance reported. Due to the inaccurate reporting on my credit report is causing me to get denied a place to live. This reporting is telling the companies that run my credit report that I still owe the XXXX that I paid the debt off with. The Credit Bureau is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Can you please look into this matter.