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

Despite providing all necessary documentation and following the prescribed procedures for reporting fraudulent activity, the problem remains unresolved, causing significant inconvenience and distress. 

I understand that resolving such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent charges on my account not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my account. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the time, inconvenience, and financial losses incurred as a result of this ongoing issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$710.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have an XXXX Credit Card, it used to be issued by US Bank, but was switched over to XXXX XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with US Bank was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did US Bank or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly 100 points. 

Since then I have dealt with customer service for credit disputes at both banks ( US Bank, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXXXXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a 2nd written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to US Bank XX/XX/XXXX. All of these came back denied. US Bank still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe US Bank originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my experian report the wrong social security number is attached to it as well as an address Ive never lived at.
Product: Debt collection

I received a notice from XXXX XXXX regarding a lien that has been recorded against me in the recorder 's office. The notice includes a copy of the liens and states that only the person who placed them can remove them. The document is titled " Notice of Delinquent Assessment Lien. '' The attorney who brought this action against my properties originally filed and recorded on XX/XX/XXXX, for {$5000.00} for both lots. 

On XX/XX/XXXX, the same attorney recorded an Amended Release of Notice of Delinquent Assessment Lien, indicating that nothing is owing on both lots. However, I have received another letter from XXXX XXXX stating that the same attorney has reactivated the same lien and fees on both properties, with an attempt to foreclose on my home and lot. 

On XX/XX/XXXX, I sent a letter to the property management company and their attorney requesting them to cease and desist from what seems like harassment. On XX/XX/XXXX, I also sent a letter to the property management company and the board of directors, but it was ignored. Since then, I have received another lien from XXXX XXXX, and their attorney has filed the same lien against my property for the same issue that they had released before. At this point, I am not sure what to do, and any help would be greatly appreciated.
Product: Credit card

Chase Banking credit card ( XXXX ) and checking account were opened in my name today XX/XX/2023, without my consent. There were hard inquiries on my XXXX and XXXX credit reports and I disputed them. I do not see an inquiry on XXXX but am contacting them to ensure that did not happen. 

I have put fraud alerts and freezes on all 3 credit reports, notified the FTC, and the Consumer Finance Bureau, and filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is $ XXXXreportedXXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is my previous complaint number, XXXX XXXX XXXX has been no help and they have destroyed my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request that they be immediately removed from my credit file. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} As these accounts have been opened or reported as a result of the data breach and not due to any actions taken by me, I request their immediate blocking and deletion from my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 
Additionally, I request the deletion of the following inquiries from my credit report, as they were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scammed out of funds on Zelle. I requested the money back but Zelle has allowed the scam profile to delete and not reimburse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up to XXXX XXXX 's response to COMPLAINT ID XXXX : 7 accounts in varied amounts originated bXXXX XXXX XXXX  are reported on several credit reports belonging to myself. Information on these accounts have been reported erroneously according to the XXXX. This data was disputed in XX/XX/XXXXand was not removed nor changed. An Experian credit report generated in XX/XX/XXXX lists XXXX XXXX as the creditor at that time. Sometime after this report, XXXX XXXX began to appear in XXXX XXXX  place. The XXXX XXXX accounts were closed and paid in full in XX/XX/XXXX. I had never even heard of XXXX XXXX until it appeared on my credit report. After doing some research I learned how XXXX XXXX broke off from XXXX XXXX in XX/XX/XXXX. I have contacted both companies via postal mail, phone, email, disputes by XXXX, and finally by filing complaints through the Department of Education and the Consumer Financial Protection Bureau. XXXX XXXX never had the authorization to obtain my credit information or personal data. XXXX XXXX never had the authorization to give this data to XXXX XXXX. In addition, both companies continue to report the same accounts on my credit reports depending on which agency you use. XXXX XXXX response in the CFPB investigation was that the accounts were not theirs so the issue was not either. I have a lot of ink that proves otherwise. In addition, you will see that beginning in XX/XX/XXXXthe screen shots show that the accounts were 90 days late yet the month prior was current. This is also a clear discrepancy and erroneous reporting. The information can not possibly be accurate.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of SocialXXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Account Number [ Your Account Number ] Dear Consumer Financial Protection Bureau , I am writing to formally dispute the collection account on my credit report, as reported by ( Aldous and Associates- {$150.00} ). I am concerned that their collection actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34. 

I wish to bring to your attention the following issues : 1. Failure to Provide Validation Information : Aldous and Associates, in accordance with 12 CFR 1006.34 ( b ) ( 5 ), has not supplied the necessary validation information despite placing a collection entry on my consumer report. I kindly request your assistance in urging them to provide the required validation information for the disputed account. 

2. Denial of Dispute Opportunity : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am granted my right to dispute the accuracy of the reported information. 

3. Violation of Consumer Rights : There are allegations that Aldous and Associates may be in violation of my consumer rights through engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 

4. Failure to Provide Disclosures : The agency appears to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by furnishing the account to consumer reporting agencies without providing the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly ask the Consumer Financial Protection Bureau to investigate the disputed account, encourage Aldous and Associates to provide the validation information required by law, and address any inaccuracies on my credit report promptly. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$20000.00}
Product: Vehicle loan or lease

On XX/XX/21 - I was chatting with Tesla regarding an existing Model 3 located in XXXX XXXX. After a few hours, a Tesla Representative XXXX XXXX called to inform me that there was an available Model 3 available at a much lower cost due to the previous damaged history located up north XXXX. I was told by the representative that I did not need to pick up the car until after the new year because of the holiday and knowing full well I was located in XXXX California. The rep followed the conversation with a text link directing me to the car, and I committed to paying the {$250.00} order fee because of the said car credit savings. 

On XX/XX/21, XXXXXXXX XXXX pst I received a welcome to the Tesla Family detailing tasks that need to be completed. At XXXX XXXX, I followed the Tesla tasks, had my insurance uploaded, had my credit run and was approved, and I paid the {$4500.00} downpayment requirements. 

On XX/XX/21, around mid XXXX XXXX pst I received a text message from a XXXX phone number that I will need to pick up this same day, XX/XX/21, or I will be unmatched to the car. The text message also added a link to model 3 at $ XXXX more as a replacement car located in XXXX XXXX, California, if I choose not to pick up the original model 3 ordered. I explained by responding to the text that there is no way for me to pick up the vehicle before their closing time as I am located in XXXX California and would not be able to drive or fly due to the timing of the request. Moreover, I explained that Tesla had not sent me the agreement to complete the final task or had given me the last date for pick up via the delivery task via Tesla App. 

On XX/XX/21, concurrent to the XXXX text exchanges, I had texted XXXX to inquire about the text messages I was receiving from XXXX and why he did not disclose that this would happen. At XXXX XXXX, XXXX reached out to me via phone after several frantic calls my wife had made to XXXX XXXX Tesla, promising that XXXX the rep would reach out. During our conversation, I explained to XXXX that if I had known, I would not have committed to purchasing the car if the car was never mine to begin with, now Im out {$250.00}, Tesla did a hard pull on my credit, and I made a {$4500.00} payment. I explained to XXXX that Tesla baits and switched me to a more expensive vehicle that I would not want. We finally ended the conversation that the car does not belong to me, and if no one gets matched to the vehicle after the new year, it is like nothing had happened. I told him that he needed to refund me my money, including the non-refundable order fee of {$250.00}. I explained that he should have disclosed this information to me before committing to the car, and now I have a credit pulled on my credit history, which would lower my credit score and out the {$250.00} order fee.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX until I XXXX in XX/XX/XXXX. Since then I have had major debt and am behind on my payments. I have consolidated my federal loans, but the private loan I had through XXXX I can not do. I was in the rears with them and finally paid that since it got to my credit and am now behind again with no help. I have been attempting to pay off my student debt for XXXX years now and it feels like I have not made a dent in the {$65000.00} I owe. I have not found a job in my degree field I went into and no one wants to hire an XXXX graduate. Every quarter we had to sign financial papers, even as my parents and I looked over them, it seemed like a good fit not to many questions were needed. After I XXXX I was hit with a massive amount of debt that has been hard to get out of. The school its self is not attempting to help like they said they could and the job placement that they highly encouraged never panned out.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDXXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF EDXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX  & XXXX which i sent a copy of the letter i received from the company XXXX XXXX Experian still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with Capital One to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted Capital One and the reporting agencies. Capital One long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX, XXXX XXXX {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} Open Date XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX is was showing on my report some fraudulent accounts that are reporting closed with no balance and one account with an balance along with inquires and an address. I am currently in the XXXX XXXX and this is taking a toll on my career and character. I am asking that these following accounts that are coming back as verified gets removed. I never decided or gave any permission to any family or friends in my country to open such accounts or to apply for any such fraudulent activities in my name.
Product: Credit card

On XX/XX/XXXX, Capital One charged me an annual membership fee of {$390.00}. 

On XX/XX/XXXX, Capital One closed my account providing the following reason based on Capital Ones account opening and ongoing due diligence : " Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence. '' This account closure was performed conveniently on a date shortly after their stated grace period for annual fee refunds. 

Capital One has enriched themselves with the proceeds of the {$390.00} annual membership fee of which I do not receive any benefits.