23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Debt collection

Upon checking my credit report via credit karma, I observed a collections/charge off being reported on XX/XX/2023, for a XXXX XXXX XXXX XXXX account said to have been opened on XXXX XXXX. This is showing an owed balance of {$3000.00}. I was recently the victim of identity theft and had other fraudulent charges appear on my credit report from other retailers as well. I never signed or entered into any contract/agreement with XXXX XXXX XXXX XXXX. I never received any itemized billing statements from XXXX, nor have they made any attempt to verify this account or the charges stated. This account and any charges incurred were done fraudulently and without my knowledge. 

Convergent Outsourcing , Inc is now contacting me in an attempt to collect a debt from me on charges that were incurred without my consent or knowledge. These are fraudulent charges that I am not liable for.
Product: Money transfer, virtual currency, or money service

My mom was sending me money through Zelle back in XXXX of XXXX, it was taking a very long time to process so I called Zelle or what I thought was Zelle who scammed me out of {$2000.00}. I contacted my bank, filed a fraud complaint, had to open a new checking account, and get a new charge card. My fraud claim was denied because I authorized the transaction even though it was not a ligid transaction and I was misled. The scammers had me download an app so they can see my screen in realtime! I have since had my phone checked to make sure that app has been removed and no malware has been left behind! These scammers were calling me and having my bank show up as the caller ID! It was such a horrible experience, especially when you call the place and think you are talking to the correct company!
Product: Credit reporting or other personal consumer reports

sent out despite letters to all 3 credit bureaus, I got no response nor did they sent any proof of false accounts reported on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history Equifax shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documents to Experian on XX/XX/2018 which included my birth certificate, social security card and also my drivers license. I was going through the process of getting preapproved to buy a home and they had my social security number entered incorrectly. I tried calling and getting ahold of them to fix the problem and 5 months later my number is still reporting incorrectly. According to the Fair Credit Reporting Act they had 30 days to respond and failed to do so.
Product: Credit card

XXXX. Best Buy placed a charge of {$69.00} on XX/XX/2024, on my Best Buy card. 
I called both Best Buy and Citi Credit Card Company but was unable to resolve the issue. 2. Citi Credit Card continues to charge late fees despite my reminders that this charge is fraudulent since I have not requested any service from Best Buy XXXX XXXX. 
XXXX. Best Buy placed another {$69.00} charge on the XXXX statement. I called them but was unable to resolve it, as Best Buy stated they could not see the charge on their end and requested me to contact Citi Credit Card Company.

4. I called Citi, and they told me to contact Best Buy. I am unable to cancel my card or get credit for the fraudulent charges.
Product: Credit reporting or other personal consumer reports

Dear Kikoff Customer Service, I hope this message finds you well. I am writing to clarify an ongoing issue regarding two accounts I have with Kikoff, which is impacting my credit score. One of my accounts is current and up to date, but the other still has unresolved issues that are negatively affecting my credit score each month. I understand that under the Fair Credit Reporting Act, accurate reporting is required, and I appreciate Kickoffs role in ensuring that my payment history is reflected accurately. However, the negative impact of the unresolved account continues to harm my credit each month, and Im seeking a resolution to avoid further damage. I would like to request a review of the account in question and explore potential options for addressing the missed payments, such as a goodwill adjustment or the possibility of updating the accounts status. I am committed to resolving this matter and would greatly appreciate your help in finding a way to improve my credit standing. Please let me know what steps can be taken to address the issues with the open account, and Im happy to provide any additional information or documentation needed to facilitate a resolution. Thank you for your attention to this matter. I look forward to working together to resolve this issue and improve my credit standing. Sincerely, XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has put unverified wrong information on my credit report regarding XXXX BANKRUPTCY on my Personal reports. I have reached out to the local bankruptcy court and they stated they do not give out anyone 's personal information to any third parties. I have attached the letter as well.
Product: Payday loan, title loan, personal loan, or advance loan

This company charges predatory interest rates and make it impossible to pay off the small loan regardless of paying every month. I'm elderly and live off a fixed income, companies like this take advantage of those in need like myself.
Product: Mortgage

I am filing this complain against BMO Harris Bank. I had a home mortgage with BMO Harris Bank that was paid off and closed in XXXX XXXX. I had a left over escrow money for about {$900.00} XXXX a little over {$900.00} ) after the payoff that was supposed to be refunded to me. They initially sent a check to a wrong address and the check was returned back to them. Since then I am unable to get my money from them. I have made neumorus phone calls to the back asking for money since XX/XX/2018 and still did not get it. Every time I called, I was told that they will mail me a form that needs to be notorized and sent back to them so that they can re-issue the check, but they never send the form. I have called them repeatedly in the last 2.5 years trying to get my money and they would not give it to me. So now I am filing this complaint against the bank so that I can get my money back. 
It has been two and a half years of repeatedly calling the bank and requesting my money, but they would not give it me. 
This bank has a very poor customer service. Rude and helpless representatives. Very long call wait time ( more than 30 minutes ) with no option for recieving a call back. Their mobile app doesn't work properly and most of it's functions do not function. 
It has been a long 2.5 years with them trying to get a hold of my money and still unable to
Product: Credit reporting, credit repair services, or other personal consumer reports

Part of the XXXX Breach and Neglect from Chexsystems  my personal information was hacked last year XXXX 2016 with XXXX XXXX and my Checking account was Hacked and used to withdraw Funds from and Bad deposited Check and Chexsystems after numerous disputes has neglected and failed to properly verify my claim with the Bank and has taken sides with the Bank on a Fraud dispute and has not deleted this Fraud Account and Balance from XXXX XXXX from my file as a Result XXXX XXXX has been Advised to Cease and Desist all collections and Reporting on a Fraud disputed account.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.
Product: Debt collection

This erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX was transferred to another collection company trying to collect on a debt not owed. 

Asset Recovery Solutions , LLC is attempting to collect an erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and or XXXX XXXX XXXX XXXX with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by Asset Recovery Solutions , LLC with XXXX XXXX XXXX, XXXX as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor. Asset Recovery Solutions , LLC 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.
Product: Credit card or prepaid card

I was given a prepaid Visa card as a bonus through my employer, I had to pay taxes on this card as income. I received the card the end of XXXX and planned on using it for a Veterinary expense for my pet. Due to COVID and office closures etc I was not able to use it until XXXX of 2021. When I went to use the card the balance left was XXXX cents, not the XXXX for the bonus. I immediately logged in and found the card had been compromised in XX/XX/2021. This card has never left my wallet from the day my employer gave it to me. I still have the card in my possession. I contacted them and advised that I was just made aware of this issue and I was told I only have 60 days to dispute. If the card is still in my possession how would I know it was used by someone else? I made my inquiry also to the merchants and was advised that I would need to dispute with the credit card company.
Product: Credit reporting or other personal consumer reports

I received an XXXX XXXX XXXX alert XX/XX/year> for a hard credit check form XXXX XXXX, i called them to report fraud XX/XX/year> and they said it was flagged and nothing was opened. 

I received another XXXX alert XXXX for a new account from XXXX for {$5000.00} at XXXX XXXX XXXX XXXX in Connecticut. I called to report the fraud, cancel the card and completed, notarized, signed and faxed their form to investigate.
Product: Mortgage

As of XX/XX/2020 my mortgage has increase by {$120.00}. I have contacted myloancare a few times trying to get a better understanding of my escrow information. No representative has been able to give me a full detail breakdown of why this has occurred other then saying " unfortunately I do not have any additional information ''. I know my insurance and taxes went up monthly together a total of {$51.00} estimate but that still leaves an estimate of {$77.00} unaccounted for that they are unable to tell me why. A representative told me is a miscalculation from previous year ... .how can that be if this is only my second year. What are they comparing the shortage of {$77.00} a month too? They are unable to justify the huge increase of {$77.00} shortage a month that has been added to my mortgage.
Product: Debt collection

I was involved in a motor vehicle accident XX/XX/XXXX 2013 which resulted in my car being totaled. The other motorist was at fault and the police and ambulance were called. XXXX XXXX XXXX is trying to collect XXXX from me when the bill should have been submitted to my auto insurance. I have contacted XXXX XXXX and they refuse to submit to my insurance. I have contacted all XXXX credit bureaus and XXXX is the only one who refuses to remove this account my credit report.
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXXXXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 an 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have several accounts on my credit report that do not belong to me : Experian : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX credit card.
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. Any other address listed amongst the major XXXX bureaus XXXX, XXXX XXXX Experian and the secondary bureaus XXXX XXXX XXXX XXXX etc. is inaccurate and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : Enhanced Recovery for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Equifax is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and they still have not reflected the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC and police department reports regarding my identity theft to all three major credit bureaus on more than one occasion. A few marks have been corrected, in their defense, but not all of them even though I have disputed them several times. I am a single mother and I am trying to buy a home asap for my daughter, who is in college, and my infant son. They should not have to pay for a theifs wrong doings. I work hard to provide for my children to make sure they are contributing members of society. The goods were even delivered to the person, who stole my identity, home. The identity theifs name is XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. I have proof that I have not lived there in years. After she stole my belongings she had an order put in place so I could not come retrieve any of it. I clearly am not allowed to even go to the house much less receive, packages, credit cards or mail there. help me get this fixed. I'm desperate at this point. Thank you for your time and patience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I am writing to formally dispute an inaccurate and unauthorized account listed on my credit report. The account in question is reported as follows, Creditor Name : Possible Financial INC Account Number : XXXX Status : Closed Issue : unauthorized account and inaccurate late payment reporting. 
Bureau ( s ) reporting : ( XXXX, XXXX, XXXX ) I have never applied for, opened, or authorized an account with Possible Financial Inc., and I have no knowledge of this financial relationship. Additionally, there are multiple late payments listed under this account that are not valid and should not be associated with my credit history. I believe this is a clear case of identity theft, a reporting error, or account misassociation. 

As a result, I am demanding the following : Immediate deletion of this account from my credit file. 

Full removal of all associated late payment history tied to this account. 

A reinvestigation under Section 611 of the FCRA. 

A written statement of the results of your investigation. 

If you are unable to verify the accuracy of this account with valid documentation from the creditor within 30 days, you are required by law to delete it from my file. 

Failure to respond appropriately will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly legal action. 

Sincerely, 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: Checking or savings account

Wells Fargo locked me out of my banking back in XX/XX/2021 for reporting to them that I had an unknown charge on my business account from them. They didn't allow me to have access to these accounts anymore now I have lost almost {$3000.00} due to them locking away and taking my money. Luckily, that wasn't the only bank I banked with but I did lose a lot of money from all of my accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Money transfer, virtual currency, or money service

I have transferred money from my local bank in my country to my trading account at XXXX XXXX, for stock trading, the funds were held at the intermediary bank which is Wells Fargo, despite my bank providing them with all the required information, like my full name, date of birth, address, Wells Fargo has not released the funds to XXXX XXXX or returned back my funds. 

Either the staff at Wells Fargo are lazy or doing it intentionally. Wells Fargo reference number XXXX Please have a look at the attachments the details of the concerned employee at wells fargo and issue is mentioned. This one is for one transaction, the issue is for two transactions one for XXXX XXXX and another one for XXXX XXXX I am the sender and receiver ( beneficiary )