23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 I got 4 emails from New York Community Bank about a new checking account that I did not open : one welcoming me to the bank ; one offering disclosures ; one telling me I could order checks ; and then one telling me the email address was changed on the account. The email it was changed to was XXXX. I called the bank and spoke with a woman in the call center within 20 minutes of receiving the emails. The next day, XXXX from the security office called me back. He told me an account had been created using my name, address, SSN, DOB, and another phone number that is not mine. He said the account would be closed. He would not provide written confirmation. I have since received at least 6 other emails reminding me to finish my online bank account setup. As of XX/XX/2024, I have made 5 phone calls and 1 email and one letter mailed to the bank with no response and no confirmation of account closure and the requested actions taken.
Product: Vehicle loan or lease

My husband and I purchased a used vehicle. We were financed by a company called Credit Acceptance. We were in an accident and the car was a total loss. We had XXXX XXXX and that paid off a huge majority of the loan. After the XXXX XXXX was paid, there was still a balance of $ XXXX. We were unable to make the ramaining payments on the $ XXXX, and the loan went delinquent 90 days. I was called and offered a settlement with the company. The gentleman that I spoke to stated that I had until XX/XX/XXXX to take them up on their offer or the offer would expire. They offered me a payment of $ XXXX, and that would eliminate the entire debt of $ XXXX. I agreed and stated that I would be calling back to make that payment later on in the following month. I called Credit Acceptance back on XX/XX/2023 and paid the amount that was asked in order to settle to loan. It has been over a month and the negative payment history has not been updated and it is still showing as owed on my credit report. I have disputed this twice with the credit bureaus and both times it has remained on my report because Credit Acceptance is claiming that I never paid it off and that there was no settlement. They are claiming that the amount showing as owed on my credit report is accurate. I have called them two times since XX/XX/2023 in order to question them on the fact that it was still on my report. Both times I was assured that it would come off, that it may take up to 30 days but I should rest assured that it has been reported to the credit bureaus and I have nothing to worry about. To this day, it remains and I have lost over XXXX points on my credit score because of it.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$530.00} Late Payment : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/21 called my mother and a friend and told them that I was in legal trouble because of a debt and that there was a civil case against me and legal action would be taken against me if I didn't call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has opened an account and reported on my credit report. In accordance with the credit bureaus, the account was opened XX/XX/XXXX, in the amount of XXXX. No collection data was reported on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX  AMOUNT {$0.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX XXXX, AMOUNT {$7900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$2800.00} XXXX ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$740.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$890.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXXXXXX XXXX XXXX, AMOUNT {$920.00}, ACCT XXXX XXXX INQUIRIES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit card or prepaid card

i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the Experian and XXXX XX/XX/XXXX and XX/XX/XXXX. Both Experian and XXXX failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with XXXX and XX/XX/XXXX with Experian. Although I have requested this information be investigated on numerous occasions the status of the last date updated with Experian was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. Experian is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to lodge a formal complaint against the three major credit reporting agencies EXPERIAN, XXXX, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. 

I sent this request on the following dates : 1. Experian on XX/XX/2023 2. XXXX on XX/XX/2023 3. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, EXPERIAN, XXXX, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list one name and one address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by EXPERIAN, XXXX, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
Product: Debt collection

I had auto insurance for at least XXXX consecutive years with XXXX ( now called the XXXX XXXX ) which was automatically deducted from my bank account each month. 
The usual amount that was deducted was {$160.00}. On XX/XX/year>, the amount deducted was {$540.00}. This increase in payment was unauthorized and without my consent, so I filed a claim with my bank, XXXX. This unauthorized deduction also caused me to cancel my policy with XXXX on XX/XX/year> via email. XXXX responded via email on XX/XX/year> and verified that I canceled my policy. 
However, XXXX sent me a statement on XX/XX/year> for {$540.00}. When I didnt pay, they sent me to Credit Collection Services XXXX 

In XX/XX/year>, I received a notice in the mail from Credit Collection Services that I owed this debt. I called Credit Collection Services on XX/XX/year> and spoke with XXXX. I told XXXX that I did not owe this debt because I canceled my car insurance on XX/XX/year>, and the bill for the car insurance was on XX/XX/year>. XXXX verified that this was true. I asked XXXX, why then do I still owe a debt? I wanted details but he did not tell me why ; he did not give me any details. He just said to fax any proof or bank statements. 

On XX/XX/year>, I faxed Credit Collection Services a statement from my bank, XXXX, that said they completed their investigation into the unauthorized deduction from XXXX in the amount of {$540.00}. XXXX refunded me the whole amount of {$540.00}, thus verifying the deduction from XXXX was unauthorized. 

In XX/XX/year>, I received a notice in the mail from Credit Collection Services, verifying that it was XXXX who charged me {$540.00} on XX/XX/year>, but they still did not give me any details on what this was from if XXXX was charging me after I canceled my policy! Credit Collection Services just lowered the amount to {$210.00}. 

On XX/XX/year>, I faxed Credit Collection Services bank statements from my personal checking account from XX/XX/year> until XX/XX/year>, showing that XXXX consistently deducted {$160.00} each month until XX/XX/year>, when they suddenly deducted {$540.00}. ( Please see attachments ). This was to prove that my debt was not from unpaid premiums, and that I canceled my policy due to an unauthorized increase. Again, I asked for details on the debt because I do not owe this debt. 

I received a letter from Credit Collection Services in XX/XX/year>, saying that I owe the debt but they still gave no details on what the debt was from. They increased the amount back to {$540.00}. 

I have asked Credit Collection Services multiple times for details regarding this debt that I do not owe, but they refuse to provide me with any details!
Product: Checking or savings account

On XX/XX/2021 I submitted a claim to Wells Fargo Bank. After XXXX gave me a refund for a cancellation that I canceled well within the time limit. But the the next morning they took the money again it was {$650.00}. I contacted XXXX about the problem didn't get any assistance. At that time I summited a claim with Wells Fargo Bank. They temporarily adjusted my account for {$650.00} But now 3 months later on around XX/XX/XXXX the bank reversed my claim and I kept contacting the bank spoke with several bankers they said there was nothing that could be done because the claim was closed. I then called XXXX and asked for a refund again didn't get any answers. I then called the Bank again and asked to speak to a supervisor supposedly the bank connected me with a supervisor. The lady whom I spoke with started reading to me the information XXXX sent in and said it wasn't readable and said it looked fraudulent. So she claimed she was going to open a new claim but when I called to check on the claim the bankers said there was never a new claim opened. I also called XXXX back and informed them I spoke with a bank supervisor and the supervisor said the form they sent in their defense looked fraudulent and wasn't readable and I told them I would get the federal government involved if I had to. At that point they agreed to refund my money in the amount of {$650.00} which they said they will on XXXX XXXX  because the XXXX host is having financial difficulties. Now Wells Fargo keeps giving me overdraft fees for a mistake they made. I also have the screenshots in my phone where XXXX agrees to refuse my money. I have reason to believe someone in the claims department at Wells Fargo Bank is working with someone at XXXX to steal money from customers accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about XXXX  XXXX XXXX  keep reporting to credit bureau about the account that is not belong to me, I have only noticed this late payment recorded when I looked up my recent credit report on last XX/XX/XXXX, I immediately write the dispute with all three credit bureaus to correct this infomation and placed fraud alert on my credit report, this account is the result of Identity theft. Only Equifax cames back with the account info is verified other two bureaus already removed this account, I never get any document show me how do they verified this account is belong me, It has been more than 30 days and XXXX XXXX XXXX never show me any proof to verify this is my account
Product: Debt collection

A collection appeared on my XXXX report, I mailed a letter requesting Bonneville Collections to validate this information and my request is being ignored. From my understanding of the law this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect on a debt I do not owe. I had no idea this debt was on my credit file until I checked my credit. However I immediately paid the debt as soon as I found out. I believe XXXX XXXX is in my violation of my 30 day right to dispute & feel that account needs to be removed.
Product: Credit card or prepaid card

NETSPEND sent me an unsolicited debit card in the mail which I received on XX/XX/2020 with my correct name and address on it. I tried to call without activating the account but the options weren't available on the phone numbers provided. There was no customer service number on the card. I tried the fraud number but it only gave options which included the card number or personal ID information. Anyone could have taken this card from the box and used it in my name. If there is no law for disallowing this behavior there should be. There should also be a customer service number on the card for anyone to use whether their service is agreed upon or not. I understand that if stolen, my identity could be vulnerable. Also, I am not sure how they know my last four letters of my social security number which they wanted me to use to verify my identity to obtain assistance on the phone. I proceeded to investigate on line actions I could take to prevent an unsolicited card strapping me with this additional protective action on my part to protect my finances and identity. I froze my credit and I am making this complaint. This has been about a day 's worth of effort on my part for receiving an unsolicited debit card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( Trans Union Tracking # XXXX ) ; ( XXXX XXXX # XXXX ) ; and ( XXXX Tracking # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all XXXX bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on TU and XXXX  reports. Verified as inaccurate by XXXX, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX  XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent XXXX  updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to receive validation of the account with Credit World which I requested two months ago not to mention the debt has been discharged in a bankruptcy finalized last week. Nothing has changed this company has done nothing to rectify this complaint!
Product: Payday loan, title loan, personal loan, or advance loan

I opened the credit builder account with kickoff inc, a couple years ago to start building credit history. I paid off the account but chose not to use the account anymore. I kept the account open for my average credit age. I recently notice that a late fee from kickoff showed up on my credit score, from XXXX. I have not accessed the acount since the spring and am incapable of doing so because i lost my old email and phone number. I have not authorized any transactions so i should not owe them anything to begin with.