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

NOTICE To CEASE AND DESIST OF REPORTING UNAUTHORIZED NAMES FRAUDULENT NAMES & ADDRESSES ACCOUNTS THAT ARE FRAUD YOUR PLATFORM HAS AND CAN SUBJECTED ME TO IDENTITY THEFT DELETE IMMEDIATELY RECENTLY REVIEWED MY CONSUMER REPORTS AND IVE NOTICED FRAUDULENT ACTIVITY I HAVE FRAUD NAMES ADDRESSES ON MY CONSUMER REPORTSTHIS IS FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURESOF MY PERSONAL INFO ACCORDANCE TO USC 16818 PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER SENT EXPERIAN TRANSUNION EQUIFAX A WRITTEN LETTER GIVING CONSENT TO REPORT FRAUD NAMES ADDRESSES PLEASE VERIFY THE LETTER I ASSUMED SENT GIVEN YOUR COMPANIES PERMISSION ACCORDANCE TO 1681 i a 6 iii how did your company verify the information i am requesting this information of the interview names and addresses of my neighbors transcripts audio videos of this interview according to the FCRA LAW TITLE 15 USC 1681i a 6 b ili PLEASE SEND INFO OR DELETE THE FRAUD INFO READS : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX MY CORRECT ADDRESS IS : MY CORRECT NAME AND ADDRESS READS : XXXX XXXX XXXX MY ADDRESS READS XXXX XXXX  XXXX XXXX XXXX, VA XXXX THANK YOU SIRS AND MAAMS
Product: Credit card or prepaid card

FEB DESTINY sent me a card I never applied for then reported it on my credit with a {$75.00} balance I never used the card or even activated the card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : $ XXXX NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I received a letter stating there might be fraudulent charges on my Citi bank credit card account. I could not get into my account when I never had a problem before. I still can not. I called fraud and spoke to a woman The XXXX week of XXXX. She said she will cancel the card issue me another one in the mail and the fraud department will contact me. They have not. I got a new card in the mail the XXXX week of XX/XX/year> and in the time it was sent by the bank it was already hacked. I called again the XXXX week of XXXX and got the same woman with a different name. Another card was sent to me and the same thing happened. I call citi fraud department and got THE SAME WOMAN ... .. different name again. ( she had a very unique voice and accent. It was her ). She would not talk to me like a normal person. At this point I asked her to just close out my account all together but this was after a payment of {$490.00} was automatically applied to the fraudulent charges on my account. 

I got a letter in the mail stating I was accepted to apple pay, another for XXXX, and a third with a debit card I had supposedly opened, then a XXXX with a debit pin. None of these I applied for and these came after I " closed the account ''! 

I answered the phone Sunday XX/XX/year> to hear the voice of that same woman again telling me I owe over {$200.00} on this account. The one that she supposedly closed. 

I gave permission for her to speak to my husband. After a short discourse she hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps calling me 2 3 times a day I've been trying too tell them I'm not working I'm on SSI they keep asking me to ask someone to help me pay it off this is from 2012 I would like for this to be removed off my account
Product: Checking or savings account

I scheduled a bill pay payment with my bank ( Wells Fargo ) to the XXXX of XXXX for a water bill to be paid on XX/XX/XXXX ( payment was due on XX/XX/XXXX ). I received an email from the XXXX of XXXX on XX/XX/XXXX stating the payment was not received and a {$10.00} late fee was assessed to my account. I contacted the XXXX of XXXX and promptly made payment for both XXXX and XXXX. I contacted Wells Fargo on XX/XX/XXXX who claimed the payment was sent on XX/XX/XXXX. They placed a stop payment on the check and also offered to submit a claim for the late fee which was denied on XX/XX/XXXX. I was not as concerned about being refunded the late fee as much as my concern for my payments being received on time. On XX/XX/XXXX I received an email from Wells Fargo stating " The following payment was returned to Wells Fargo. '' One of the reasons stated for the return was possibly due to a credit on my account. Knowing I made the payment on XX/XX/XXXX and have a credit balance, I contacted the XXXX  XXXX  XXXX to ask if I had a credit balance, would they return the payment. They said no, that they would apply it to my account as a credit. XXXX at The XXXX of XXXX advised me that they just today, XX/XX/XXXX, received an envelope with many payments from Wells Fargo containing checks dated XXXX, XXXX and XX/XX/XXXX. AND that MY PAYMENT was among those checks. This means that my payment among others were not mailed out until XX/XX/XXXX or after. That means my payment was not even sent out by Wells Fargo until after the due date.
Product: Credit reporting or other personal consumer reports

according to my credit report best but cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking best buy to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX XXXX and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit card or prepaid card

Reference : Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX My loan for my windows ( for my home ) started with XXXX and now its with Concord. 

I am very unhappy that when I make a payment online that there is now a {$5.00} processing fee to make that payment. Same thing when you make the payment on the phone. 

When the service provider was XXXX there was no processing fee ( made 2 payments before Concord took over and no processing fee. ) The original loan should be honored that did not include a processing fee for this service. 

Also I will be reporting and filing a complaint with Consumer Financial Protection Bureau. 

I await your response. 

Best Regards, XXXX XXXX Sent XXXX reply from Concard on XX/XX/2022. they would waive one fee if I signed up autopay I replied back and advised that there was no fee to payment with previous loan provider and asked them to honor my agreement with the original loan provider. No fee for making a payment using checking account. 

The new loan provider needs to honor all agreements made when I took loan out with XXXX.
Product: Money transfer, virtual currency, or money service

I have a small story I'd like to share.For context my Fiance and I don't make al ot of money and we are expecting a XXXX soon. We were looking for new places to move ( we have a one bedroom now and 3 pets currently ) and are searching for a bigger place. We have found a place on XXXX XXXX and thought it was good for the price, We went to go see it last Saturday on XXXX and we were eager once we got in the place. 
The " property manager '' goes by XXXX XXXX, I'm aware can be a fake name, let us in the house as it had a smartlock using a code they retrieve form the actual property management website and resets every hour ( You can request a virtual tour anytime, like wth? ) We were sent a lease agreement after making a payment to this fraudster to his " attorney '' which is named " XXXX XXXX '' also probably fake, to their Chime " XXXX XXXXXXXX '' XXXX We never met XXXX at all. 
Chime Support could do anything nor dispute the transfer. They said due to their policy nor provide me additional info to the account the money was transferred to due to security reasons. I've requested the funds back and I was blocked. Then the Scammer rejects all my calls and texts yesterday, but texts me this morning " Hello, How are you doing today? '' What a sick joke. 
That was the mistake, sending a deposit before looking at a leasing agreement and we sent an application fee. The Phone number and email associated ot the scammer are XXXX and XXXX. I just want have justice for us as it'll take us weeks to recuperate that amount, we were planning on having a baby shower but now can not afford that, or our bills, and just have to focus on what is left to feed ourselves and stay afloat with the baby appointments. 

Here is the link to the XXXX account XXXX XXXX XXXX XXXX XXXX XXXX help is much appreciated, I've reported the XXXX XXXX listing and account as well. Any help is much appreciated. We would be forever grateful to even recover some of the funds, maybe locate them. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX # XXXX. XXXX XXXX XXXX, XXXX # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company, For which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

I've consistently upheld the practice of making timely payments on this account, preventing any occurrences of overdue payments. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, it's important to rectify any discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of
the Bureau.
Product: Credit reporting or other personal consumer reports

Equifax is reporting accounts on my credit report as open late and delinquent. These accounts are listed in my XXXX  XXXX bankruptcy which is listed on my credit report. This information is contradictory and hurting my ability to obtain a proper credit score and credit.
Product: Credit card

I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!
Product: Debt collection

Credit Collection Services sent a letter to my address dated XX/XX/2022. I have no relationship with this company and I have not given them my personal information. Pursuant to 15 USC 1692j, Credit Collection Collection Services may not furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The debt collection letter they mailed me says they are collection a debt for XXXX but the address on the letter is Credit Collection Services letter and they are asking me to send them money.
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries on my Transunion credit report. The 2 inquiries do not belong to me and are fraudulent inquiries. They are XXXX XXXX XXXX dated XX/XX/year> and the other XXXX dated XX/XX/year>. Both are fraudulent and do not belong to me. Nor did I apply for any credit and or loans from these companies.
Product: Debt collection

Company XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX  and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX  and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over XXXXyears ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.
Product: Debt collection

I dispute the debt for validation, the consumer could not provide me with validation but only to send me a statement.I requested a signature contract proving that I allegedly owed them a debt and asked them to cease and desist collection efforts and to remove any negative remarks from my credit report. The consumer also shared my personal information without my written consent with another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX XXXX XXXX, XXXX XXXX , & GM Financial Inquiries from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to Bank of America which is reporting a charged off account of in the amount of {$18000.00}. Bank of America reporting a charge off account once again for amount {$9900.00}. XXXX XXXX is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these misleading accounts affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX