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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely. 

There has been countless stall tactics. I have talked with a representative on Friday XX/XX/XXXX to confirm my identity and that it is indeed myself who has been sending the letters. I have also uploaded all of my personal identification to confirm that as well. I have also asked for all addresses that are not associated with me to be removed immediately The only address that should be listed on my report should be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX all others are fraudulent and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian to delete an account from my credit file because the it 's not my account and the collection company (   XXXX   XXXX   ) {$290.00} refused to provide validation of the debt or delete the debt from Experian because they are n't requiring much for validation. I 've already filed a complaint against   XXXX   XXXX   debt with CFPB and they 've deleted the debt from my  XXXX  and  XXXX  credit file because they did n't provide the validatity. The reason I 'm filing against Experian is that if the company ca n't provide me with proof of the debt with original documents, how are they providing validation to Experian other than responding yes to questions asked. It 's been over 60 days since my request from the collection company. I 've asked the company for specific validation such as original agreement with my signature and the agreement between the collection company and the original creditor and bill with charges and interest. And no cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I notified Transunion in regards to certain error on my credit report, i.e. bankruptcy discharge updates. Specifically, there are several accounts were included in the bankruptcy, thus the account status should be closed and XXXX balance. The student loan accounts were not included in the bankruptcy, thus it should be open with accurate balance. Transunion made the corrections. However, In late XXXX, the same error occurred again, thus I had to redispute it. Their rep informed me that I must wait until XX/XX/XXXX for the new update. I waited until the XXXX, the same error was still there, and I'm about to lease a new auto. Because of the repeated error, I had to delay my lease and possibly miss the discount offer.
Product: Checking or savings account

During a mortgage refi application with Wells Fargo, their underwriters discovered a mysterious {$200000.00} XXXX of XX/XX/XXXX put on our property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Per the attached, I found the XXXX and I don't recall ever authorizing it. But we've heard of the institution that put it there. It's called Wells Fargo Bank. 

Between XX/XX/XXXX and today, I have been writing, calling, and encouraging Wells Fargo to tell us what that XXXX is, including their XXXX XXXX ( Branch XXXX ), XXXX XXXX, and others. I understand that they are a large bureaucracy, but half a year to get an answer is just too long. 

Getting an answer is important if we ever need to sell our property. A title company would ask about the XXXX, and we couldn't take half a year to respond.
Product: Credit card

I was charged fraudulent by XXXX XXXX. I dispute this charge.But Citi Bank was unfair dealt with.XXXX  XXXX XXXX XXXX doesnt repair my car at all, But XXXX XXXX  company forced me to take out my credit card to pay in XXXX.I disputed $ XXXX XXXX  company threatened me.Citi Credit Card company was unfair in handling my dispute.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

For the 2nd time experian rep XXXX who has absolutely no power to do anything or even look at most things called again and went on about 2 disputes that are about to expire and she wants to talk about them, RESEARCH SHOWS THIS IS A TACTIC THIS FRAUDULENT COMPANY USES TO SHOW SOME KIND OF CONTACT,. I REFUSE TO GIVE MY FULL SOCIAL SECURITY NUMBER TO A PERSON WHO BARELY SPEAKS ENGLISH AND CAN DO ABSOLUTELY NOTHING TO HELP ME, FORWARDED TO XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Acimas false and or misleading advertisement when using them to purchase my washer and dryer
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to bring to your attention a serious concern regarding the unresolved dispute on my credit report. I have previously contacted Experian regarding the presence of fraudulent accounts on my credit report from third parties, and despite my repeated requests for validation and verification, I have not received any proof of claim. 

This intentional effort on Experian 's part to retain inaccurate and fraudulent information on my credit report is not only unjust but also a violation of the law. I have diligently provided ample information and followed the necessary procedures to rectify this issue, yet the inaccurate accounts persist, significantly impacting my creditworthiness. 

I kindly request that Experian promptly investigate and rectify this matter, providing the necessary documentation to validate the legitimacy of the disputed accounts. Failure to comply with this request may result in further legal action. 

I appreciate your immediate attention to this matter and expect a swift resolution to ensure the accuracy and integrity of my credit report. 

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

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX 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 demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian Consumer Name : XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX ), Consumer XXXX XXXX XXXX XXXX  XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX XXXX XXXX of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a Credit Score change notification via XXXX XXXX. A hard credit inquiry from Ally Bank affected my credit score on XX/XX/22. Then on the same day, I received an Ally Bank Alert email notifying me that my New Ally account is now open. I contacted Ally and informed them that I DID NOT open an account with them nor wish to have XXXX. They took a report, and I subsequently received an email from the Ally fraud department advising me to call them. I called and provided the requested information, and they advised me that this account would be closed without further information. I was directed to call XXXX, the Social Security XXXX, and the FTC, to log reports. There has been no explanation of how this occurred, Just a simple, " We will close the account. ''
Product: Bank account or service

I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.
Product: Credit reporting or other personal consumer reports

I have notified XXXX & Equifax MULTIPLE TIMES stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my STATE ATTORNEY GENERAL. I have attached those complaints here. In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I TOO AM A VICTIM OF THESE DECEPTIVE BUSINESS PRACTICES and fraudulent accounts not being removed from my credit report. Please remove this account TODAY. Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Transunion : Trying to temporarily lift a freeze. 

Unable to do this on the website. I do have an existing account. Trying to log in it asks for user name and password. A new screen asked for security questions, which I answered. The next screen asks for SSN, DOB etc. which I submit.

Then the website shows a screen " There is a problem on our side ''. 

Fine, I call the number on the website. There is a XXXX wait time, but they also ask you questions like SSN, DOB, ZIP etc, which I provide. Finally, a rep picked up, and she stated that she couldn't help me, I had to call a different number. 

The different number, which is not provided on the online account log-in page, XXXX, the automated system asks for the same info as above. The wait time to get to a rep was about 20 minutes. The rep then asked questions like which of 5 addresses I was associated with, one of my previous # numbers ( over the course of 25 years and between private and business phone numbers I had quite a few, but I recognized the correct one ), and other pieces of info, he was finally ready to lift the freeze. However, I was still instructed to wait on the phone, listened to their recordings as he did whatever he had to do, and finally lifted the freeze. The whole process took more than an hour. 

Why can't they fix their website so that I can unfreeze it on my own? 

Remark, unfreezing for XXXX and XXXX took less than 2 minutes each using their respective websites. 

The reason why I complain : This is not the first time that the Transunion 's unfreeze process has been broken. I remember I had the same issues a few months ago, but let it slip as it could have been a one-time problem. However, their web process is still broken. So it is not a one time problem. It seems to be a systemic problem.
Product: Credit card or prepaid card

In XX/XX/XXXX I set up a payment plan with XXXX for a trip to XXXX for XX/XX/XXXX. Due to Covid 19 in XXXX the travel agency turned off their phones and went out of business. Their website instructed us to follow up with our credit card company for refunds. The trip was canceled by then and the flights canceled by the airline. I reported this to capital one on XX/XX/XXXX and opened the dispute. As of today I still have not been reimbursed. I was told by and agent in XXXX and XXXX that a check was sent out and the funds were taken from account on XX/XX/XXXX. I speak with a supervisor today and was told the funds were being held but the department isnt open until Tuesday. This is horrible customer service and I have always been a great customer with them. I need those funds back. The supervisor also told me the merchant never replied and I won the dispute.
Product: Vehicle loan or lease

I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called over the phone and submitted documentation online via Experian Upload to dispute fraudulent hard inquiries from a relative XXXX XXXX, who continues to try to use my information to open accounts. I need this information blocked and or removed immediately as I am trying to apply for a mortgage and these unauthorized credit pulls are causing me valuable points. My score is finally well over XXXX, but I still receive mail offers from creditors to an old address which he still resides XXXX Single XXXX XXXX, and he continues to misuse my information.
Product: Credit reporting or other personal consumer reports

There is only one address I am associated with. It is XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX. 
I demand all the other address be removed from my account. 


I have only one telephone number XXXX I demand all other telephone numbers be removed from my credit report. 

I need an investigation to determine why all addresses and telephone numbers are associated with my credit report and proof of verification.
Product: Debt collection

I do not know who FIRSTPOINT COLL RESOURCES INC nor how they got my information. I never gave them my consent to contact me. They've created an account in my name and using my identity. It is harming my consumer report and defaming my character. Furthermore, I've asked FIRSTPOINT COLL RESOURCES INC to remove this alleged debt but they refuse to do so. At this point, I've been injured and my consumer report have suffered severely. It's causing emotional distress and frustration.
Product: Checking or savings account

Opened account with Citizens Bank on XX/XX/2017. The offer I responded to stated that if I had a direct deposit of {$500.00} to the account within 60 days Id receive a {$200.00} bonus. I have contacted the bank and have not received this bonus yet.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXXXXXX XXXX XXXX I chatted with an agent about my card and unauthorized transactions. The agent started a dispute process and asked me was the charges she was disputing unauthorized I told her yes. Today XX/XX/XXXX I received an email saying my dispute was denied. So I looked into it and seen that put transactions on the list that was not suppose to be disputed at all. They are very unorganized and purposely denying a claim. If you read over the chat I did not put the 2 claims into the disputing transactions. I want my claim reopened
Product: Mortgage

I made my usual payment for my mortgage of {$2300.00} on XX/XX/XXXX to CMC Funding and I was not told that it went to " unapplied funds '' because the escrow amount changed. Since then I have called twice and was reassured that this was resolved and not to worry - that I am to pay the shortage amount of {$96.00} which I did on XX/XX/XXXX and there will be no issues. Today, I get another late notice indicating that the account is overdue. I can't get through their automated phone system because it hangs up on me in the middle of the call and its virtually impossible to contact a live representative. This is beyond frustrating as I don't want my credit to be affected for an error made by the servicer. Their website also is not user friendly and does not send out emails when you make transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY Date : XX/XX/XXXX Deficiency Amount : {$14000.00} RE : South Carolina Department of Consumer Affairs Compliant XXXX XXXX XXXX XXXX XXXX Executive Customer Relation , reported inaccurate billing information to the South Carolina Department of Consumer Affairs XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX clearly stated in 4 paragraphs a response letter to South Carolina of Consumer Affairs the XXXX XXXX XXXX, XXXX XXXX, was sold on XX/XX/XXXX, with the remaining balance due in the amount of {$14000.00}. In a letter addressed to me dated XX/XX/XXXX, the XXXX XXXX XXXX was not sold on XX/XX/XXXX. Therefore, the deficiency amount is inaccurate because Ally fails to provide financial statements and other documentation under the UCC at the South Carolina Secretary of State 's Office. In addition, the banks could not prove that the subject vehicle repossession was legal and in compliance with UCC Ally did not furnish any evidence when requested through a certified letter dated XX/XX/XXXX. 
As of today, Ally does not have Account.XXXX on file.