23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Received notice of a fraud alert on a card that I do not own but they had my name and last four digits of this fraudulent card # XXXX. Supposedly its a Citi XXXX XXXX Card!?! 
An account I never opened and I'm sure they just want me to call so they can scam me. 
The number they gave is XXXX, I couldn't get a reverse lookup confirmation that it has anything to do with Citi or not. 
I got a text message from them reading that someone tried to use this card that isnt mine, at XXXX for {$88.00} on XX/XX//2021. 
Any help would be great.
Product: Credit card

I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and inaccurate on my credit profile
Product: Debt collection

Received a letter from Synerprise Consulting Service, Inc ( reference number XXXX ) stating they are a debt collector attempting to collect {$48.00} from a procedure at XXXX XXXX I had on XX/XX/22. I did not have any kind of labs/procedure on that date. I have called 6 different numbers attempting to locate anyone who knows anything about this service. Absolutely no one can tell me and sends me onto another number. I have XXXX and XXXX XXXX XXXX XXXX as my insurance coverage. I never receive an invoice on anything. Whatre XXXX doesnt cover, XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have two capital one cards that the interst are way to high for national average on loans an the late fee is based on any particular merit just floats as the head XXXX stated to me so the late fee can be more than the minimum payment amount an the fee don't respond to the number if days you late they chage it the first day
Product: Checking or savings account

On XX/XX/XXXX Chase bank made the MISTAKE of paying someone else 's CHECK through my SAVINGS account. When upon DISCOVERY of this ERROR in XX/XX/XXXX, I reported it to Chase. Their employee insisted this was a case of FRAUD, to which I strongly objected. Nevertheless I was told my only recourse was to file a fraud complaint. 

I filed a complaint and was told my claim was UNTIMELY because they considered it fraud. Again, as a SAVINGS account customer, I am not supposed to have to look for CHECKS clearing my account. 

In XXXX XXXX Chase bank LOST my tax refund check ( almost $ XXXX ) which I had deposited at an ATM with a DEPOSIT slip. Rather than deposit the check, it was rejected for no reason I was able to ascertain over the phone. And so on XX/XX/XXXX I went to my branch to find the check and also to address their egregious error in handling my savings account. I left that meeting with no progress in locating my check ( which has now been missing for two weeks ) and a new complaint filed on my behalf to get my {$460.00} back. 

I checked on the complaints filed the following week by telephone as I was out of town. I was assisted by XXXX XXXX over the phone. No closer to a resolution, I now file this complaint. For mishandling of my savings account and mishandling of my tax refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single XXXX, I loss my wife earlier this year after the birth of our second XXXX and things have been really tough for me and my XXXX and to find out I have this now on my list is really XXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Product: Debt collection

I applied for a line of credit with XXXX XXXX, and this company posted an open collection. 

I NEVER received any notice of any debts, ever. At ANY address I 've ever used. 

This was also NOT my debt. 

They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now. 

After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail. 

THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT. 

I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.
Product: Money transfer, virtual currency, or money service

I send an amount on XXXX XXXX to XXXX and the receiver didnt get the money. Also I can fin any customer support to talk with somebody.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED EXPERIAN TO UPDATE MY PERSONAL INFORMATION BUT THE REPRESENTATIVE GAVE ME A VERY HARD TIME AND DISCONNECTED THE CALL..THAT WAS VERY UNPROFESSIONAL AND UNHELPFUL PLEASE CAREFULLY READ ATTACHED FTC REPORT AND XXXX. PROPER IDENTIFICATION IS ALSO ATTEACHED.
Product: Debt collection

Ally financial falsely reported a balance on our account. We never received any statements as the address on their file was incorrect. At the time our credit report was pulled for an application for a mortgage this account came up. We contacted Ally several times and were transferred to their collections company every time. They were unable to provide a detail of the balance on the account. The dealership was able to provide an old copy of the statement showing that the balance being collected was for property taxes. They also provided a copy on our file which is an Affidavit which was signed at the time of the lease showing the vehicle is leased for personal use and no taxes should be collected. We have provided this documentation to Ally financial as well as the Collections company. There has been numerous attempts to get this corrected in a timely manner as protected by the FCRA. This is causing a negative report in our credit score, a delay in our loan, and an increase in our interest rates. 
Im attaching the statement, and waiver. I can also provide all the emails that were sent both to Ally Financial and the Collection company with the documentation to correct the account.
Product: Checking or savings account

This is my second time with Wells Fargo having identity theft and my money being taken. I had applied for a XXXX XXXX XXXX XXXXXXXX  and someone else received the check for XXXX XXXX and cashed it into my account and took it out with no proof of ID. I was not notified I filed a complaint called to make the fraud claim that the Wells Fargo manager had me do since they couldnt help me at all or give me an explanation as to why I they didnt freeze my account when seeing this activity going on. They said they normally send an email out of there is suspicious activity, which is beyond ridiculous knowing that its not just & XXXX or & XXXX dollars being taken it was nearly {$2000.00} and then some from my work checks that would be deposited. I closed the Wells Fargo account they made me pay a fee of {$180.00} something dollars to close it and then I filed a law suit with my attorneys. Im still in the process trying to retrieve my XXXX XXXX check that someone cashed out without a valid ID. I will keep filing claims and fraud against Wells Fargo and the employees that did not help me nor the manager at the location where I live. I will constantly write bad reviews until something is done and keep writing letters on all documentation for my attorneys for this case to be big enough to build on and on others claims Ive received that havent had any positive feedback on theyre claims being filed of wrongful activity and the worse bank of all. I just filed my law suit and just filed a police report along with it as well. I will not provide any documentation for Wells Fargo as of now that I have my lawyer because before I filed I was giving and going through Wells Fargos portals of fraud claims, HR, customer service what have you Ive gone through them all giving proof of documentation just to be given the run around of no solution so now Im taking bigger steps to get this resolved and then sum.
Product: Credit card or prepaid card

I had contacted Capital One regarding charges on my credit card that I did not authorize, I did not benefit from nor did I make those charges. 

Billing statement XX/XX/XXXX -XX/XX/XXXX shows a credit from Capital One for the unauthorized charges and or fraud charges. 

That credit is not reflected in the balance owed, since Capital One sold the account to XXXX XXXX XXXX around XX/XX/XXXX since I refuse to pay for charges I never authorized nor did I make. The balance that XXXX XXXX XXXX is {$2000.00}. 

I contacted XXXX XXXX XXXX asking them to remove the collection account that is being reported to the major credit bureaus as a collection. I explained in writing to XXXX XXXX XXXX that capital one sold them an account with unauthorized and or fraud charges on it. That the entire balance is of unauthorized and or fraud charges. 

XXXX XXXX XXXX has refused to delete the collection account from the credit bureaus.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/ ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the Equifax Data Breach . I want these items deleted from my credit report immediately. I am attaching proof that Equifax that I was in fact a victim of this data breach and equifax has done nothing. Please help me by deleting these negative accounts from my Equifax credit reports. 

Account Names and Account Numbers : XXXX XXXX and XXXX account 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

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX Transunion and XXXX please remove the inquiries immediately
Product: Mortgage

I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!!!!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account numbers XXXX and 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. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap
Product: Mortgage

I sent a Notice of Error under 12 CFR 1024.35 and Notice of Complaint under Connecticut General Statutes 36a-719h to Specialized Loan Servicing, LLC,  NMLS # XXXX, XXXX. XXXX XXXX, XXXX, CO XXXX. I received a acknowledgement of receipt from them dated XX/XX/XXXX, which advised that my letter was under review and that a response would be issued within the applicable state/federal timeframes. To date, well over 30 days later, the servicer has failed to respond. Below is a copy of my letter : XX/XX/XXXX TO : Specialized Loan Servicing, LLC NMLS # XXXX XXXX. XXXX  XXXX XXXX, CO XXXX FROM : [ redacted ] Re : Notice of Error under 12 C.F.R. 1024.35 Notice of Complaint under Connecticut General Statutes 36a-719h Mortgage Loan Number / Account Number : [ redacted ] I am writing to provide you with written notice of the error described below in regard to the mortgage on my property at [ redacted ], and to request correction of the same. 

At some point on or after XX/XX/XXXX, your company incorrectly imposed a {$910.00} fee on my account, failed to notify me of the fee and the reason therefore, and the first I received any evidence of this fee was when you recently added it to my mortgage statement showing it as past due ( i.e. see Past Due Amounts - {$910.00} - statement dated XX/XX/XXXX ). I have repeatedly attempted to resolve this error over the phone with your representatives, who have confirmed that this is an improper charge. On XX/XX/XXXX, my daughter, authorized to speak on my behalf, was told that although this fee may be improper, there was nothing your company could do. This is completely unacceptable. I am additionally concerned that your company may have reported my account past due to the credit bureaus as a result of this error, which will need to be corrected. This fee is not a bona fide fee and there is no reasonable basis for its charge. I am also concerned that this may have been done to other Connecticut consumers in the transition from XXXX XXXX XXXX XXXX ( NMLS # XXXX ) to Specialized Loan Servicing, LLC. If this matter is not appropriately resolved, I will be filing the appropriate consumer complaints with the CFPB and Connecticut Department of Banking. 

In addition to providing written notification of error, I hereby additionally request copies of any and all documentation relating to this fee, including the original notice informing me of such fee, and a full accounting of my account on and after the date the fee was originally imposed. 

Please also consider your duties under Section 36a-719h of the Connecticut General Statutes in connection with your Connecticut Mortgage Servicing and Mortgage Lending licenses, with particular emphasis on subsection ( a ), subdivisions ( 1 ), ( 2 ) and ( 8 ). 

If you need to contact me, I can be reached at [ redacted ]. However, I would prefer that any communication regarding this matter be made in writing from this point forward. 

Sincerely, [ redacted ]
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  XXXX XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy. I do not give Credit Control Corporation to report anything about me. I never opted in to them sharing my personal information. I chose to opt out of having my personal information shared with anyone
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Amsher Collections ( XXXX ) not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Credit reporting or other personal consumer reports

Did not authorize credit inquiry on these dates : 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 XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times trying to get the late payments on my account corrected this account is showing a late payment of 30 days which is inaccurate and by Law illegally being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$95.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his issue