23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax , I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ).

Please provide the following information : 1. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated.

2. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt.

3. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.
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 XXXXXXXX Account Number XXXX Account Name : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

My debit card number was recently compromised somehow, and fraudulent charges were made to my Wells Fargo account. Immediately after realizing this, I made my report to their fraud and claims Dept on XX/XX/XXXX. They have never contacted me regarding the issue, instead Ive had to initiate contact, which I have on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Beginning with my initial report, I have maintained that several of these charges were recurring payments, and I saw multiple charges as I quickly scrolled through my account that evening. It was clear to bot myself snd the person taking the call that a look back at all transactions would be necessary to determine an accurate total. 
In my subsequent efforts to follow up, I have received a much different experience than in the past, and unfortunately this isnt the first time this has happened to me. Each conversation consisted of me being told their policies and entitlement of time to investigate. I have responded by directing them to he fast that I am on unemployment, receiving less than 50 % of the income I have for the entire 13 years Ive banked with them. My balance was low, and despite my communication of this concern, I was assured that any and all missing funds would be given to me quickly, and that and overdraft fees assessed would be reversed. By the time the week ended I still hadnt received even a provisional credit. My account had gone into overdraft, which it would have had my number not been compromised and/or if I were employed. At that point, I literally had not even a XXXX to provide myself with any basic needs, food, or anything really. The amount still owed to me is mainly a sum of the overdraft fees, charged to me by the bank while they conduct their investigation. Meanwhile my unemployment check, which has decreased dramatically has now just been completely absorbed by the negative balance in my account, which was caused by the bank itself. They dont seem to understand that I am a human, who had their money stolen, and and they have only mage the situation worse and left me in a pretty awful spot. 
** see attached letter I sent them today.
Product: Credit reporting, credit repair services, or other personal consumer reports

AR Resources Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX This account needs to included in our bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( XXXX ) XXXX ( XXXX ) XXXX ( 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 account that I have disputed already from 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

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Transunion credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

Dear Capital One Fraud Department, I am writing to inform you that I have become a victim of identity theft, which has resulted in the unauthorized opening of an account under my name. The account in question ends in XXXX with a balance of {$480.00}. I did not authorize the opening of this account, nor did I make any requests or transactions associated with it. 
Additionally, I want to clarify that the phone number and address currently associated with this Capital One account were not provided by me and any calls or communications originating from them were not made on my behalf. 
Please consider this letter as a formal notification and request to investigate and take appropriate actions to address this issue. I request that you close the fraudulent account immediately and ensure that no further transactions or activities take place under this account. 
I have already taken steps to report this identity theft to the relevant authorities and have included a copy of the police report for your reference. 
I trust that Capital One will take swift and effective measures to rectify this situation and protect my personal and financial information from further misuse. If any additional information or documentation is required from my end, please do not hesitate to contact me at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX free to customize this letter with any additional details or documents you may need to provide.
Product: Credit card or prepaid card

There's a western union card that wasn't meant to get. Also can you please check how long these things have been done on my credit and see if any can come off
Product: Credit reporting or other personal consumer reports

The account number, high balance, payment history, account status, and other data from my SANTANDER CONSUMER USA account is inaccurate and different on all 3 credit bureau reports. Santander has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Product: Prepaid card

I had a prepaid XXXX gift card issued by XXXX. The card expired 6 months after issuance and they initially refused to reissue the card, but then offered to only after {$12.00} in fees in addition to the {$9.00} they have already charged.
Product: Debt collection

Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  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: Credit card or prepaid card

Citigroup has responded to my previous inquiry, and has not provided adequate reasoning behind the decision to provide me a credit card. Reference # : XXXX states : " Length of time accounts have been established on your credit report '' & Your credit report shows too many recently opened accounts. 

Every credit card I've had for the past 70+ months has been paid in full, on time, each month. 

This is predatory lending at it's finest
Product: Credit card or prepaid card

I opened a new Citi Premier credit card in XXXX under a promotion that stated : " Earn XXXX Bonus Points after making {$4000.00} in purchases with your card within the first 3 months of account opening. XXXX Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM , Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' 1. I made {$4000.00} in purchases in the first 3 months. 

2. I did NOT receive a new card member bonus on the Rewards+, Preferred, Premier, or Prestige in the past 24 months. 

3. I did NOT close an of those account in the past 24 months.

4. It has been over 90 days and the points were not posted to my account. 

I contacted citibank, they stated " special offers aren't available with an existing account in the same product has been approved or closed within 24 months '' Those terms are not listed anywhere on the account application, new terms can not be applied after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an inaccurate information on my credit file, it shouldn't be reported any more, besides they are reporting this account whit a different account number. 
Brite financial services Acc # XXXX reporting on bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 54 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Student loan

In early XXXX, I noticed I was unable to access account information on XXXX XXXX. There was no advance notification. Upon contacting customer service, I was told the loan was being transferred, and no further information is available, and no payments could be made. 

Now, I finally received notification of the loan transfer to Heartland. I then had to signup with Heartland for loan repayments. However, nowhere in the process did it mention the XXXX payment. It was totally unclear whether payments were for future installments, the past installment, or a combination thereof. I had to discuss with a representative, who had no idea if an XXXX payment was made, who then manually changed my XXXX payment to also cover the XXXX payment. There was no communication regarding the XXXX payment, or whether the new payments would cover the XXXX installment until I had to discuss and explain to them the loan change. This should not be the case. The loan company should be the one explaining how the loans are being bought and sold, not me explaining to the loan company how they are doing their business. Of course, the notice also mentions that late fees are waived for 60 days from the changeover, but during half that time I was unable to even access the account! If I had not been so careful in reading the documents and comparing financial payments to the 2 different servicers, I have no doubt that 60 days would have passed before any missing payments would have been noticed, and at that time, per their policy I would have been charged a late fee. However, there seems to be no repercussions for Heartland failing to keep their own records up to date, as I was told sometimes things are " delayed. '' I spent a significant amount of time with the CSR trying to understand why these delays are occurring and why there is a discrepancy between 60 days and 90 days, which is what they were quoting on the phone and in chats. At some point they told me, and then confirmed, that XXXX considers XXXX to be 60 days from XXXX for purposes of the transition, because of the missing XXXX payment which they were heretofore unaware of!
Product: Student loan

For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However,  my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. 
XXXX XXXX Balance : {$560.00} XXXX XXXX Bankruptcy Discharged XXXX
Product: Debt collection

My brother received today a notice to sale the car and in the letter said if they sell the car for less we have to paid for the remaining balance. The only thing that my dad left was this car he doesnt left anything else. My brother is asking that he dont want to receive any more letters of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hi This complaint is in regards to my Wells Fargo Platinum Savings Account that I opened in XXXX XXXX because of 4 % promotional interest rate ( not APY ) for 3 months. As per requirements of the offer I did deposit minimum amount to my account to trigger 4 % within 15 days of transfer. I see I have not been getting 4 % interest rate ( not APY ) as promised. I called them soon after I opened my account in XXXX to confirm if the offer was applied and they confirmed that I will get 4 % for 3 months which comes out to be in excess of {$6300.00} based on the balance in my account. I would have hoped to get atleast {$2000.00} per month ( will vary depending on my daily balance ). 
Now after visiting branch they are not able to give me a clear answer or explain clearly to me on why I was not getting 4 % interest rate. Hence I request you to forward my complaint and look into it asap. Thanks for help
Product: Debt collection

XXXX billed my health insurance 3 times for 1 XXXX test with 3 different account numbers commiting fraud turn over two credit collection agencies contacted consumer financial protection bureau for investigation was removed immediately by XXXX and their fraudulent collection companies here they are again with radius global solutions for the same account that was paid by my health insurance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reported inaccurately. I have XXXX collection on my credit report that is incorrect. The consumer reporting agency needs to report all information with complete accuracy, this account has not been late on payments and have been paid in full and canceled Ive attached a copy of my complaints on ( XXXX ) Im now requesting you to investigate this account and update this Collection as Removed asap.
Product: Mortgage

I had a mortgage with Wells Fargo. I was a single parent and was struggling with payment. They would not work with me and I lost my home. It was listed under XXXX XXXX at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted of the Equifax breach and check to see if my data was compromised. It was and now I am at risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Product: Credit reporting or other personal consumer reports

need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.