23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I am facing an issue with Elan Financial Services, the credit card company partner of Fidelity Investments. I was recently the victim of identity theft with the thief tricking my mobile phone company, XXXX. We have a letter acknowledging the issue from XXXX XXXX. The thieves used a phone number belonging to my wife to get a charge of ~ {$9000.00} authorized. See below for information on transactions that are fraudulent. 
Date Merchant Amount XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv {$9000.00} I have already called the credit card company at least 3 times to get the issue resolved. The calls occurred on XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Each time the fraud department said the processor would contact me in about XXXX hours to work on the issue. This has not occurred each time. The credit card company is now charging interest and late fees on this fraudulent amounts. They are also reporting to credit agencies that I legitimately owe the fraudulent amounts. The processor hasn't done any due diligence aside from saying a chip read occurred. I have told them in clear terms I didn't authorize the charge and don't know how the thief perpetrated the fraud. A view of the transaction history around the XXXX timeframe also shows a lot of suspicious activity. 

I have filed a Claim with them. The Claim ID is XXXX. I have also filed a policy report, XXXX. I have provided this information to Elan Financial Services already. The processor and fraud department have done nothing with this information for the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I XXXX XXXX XXXX filed some disputes with all XXXX credit bureaus. such as Experian, XXXX XXXX, and XXXX. I submitted the disputes requesting that my personal information be updated. I got married in XXXX of XXXX. Recently, I was notified by a law firm notifying me of a family trust that had been set up in my name. In the information that I received from the firm. Is that it had been set of by my father before he passed. The firm advised me that there was attempts made over the last XXXX, to XXXX years. The firm advised me that in order to for me to move forward I had to take steps. To complete the process of completing process legally. I had to first of all I had to provide prooI of documents with my legal name. Therefore, I requested my name be updated with all XXXX credit bureaus. XXXX of the credit bureaus, did update my name to XXXX XXXX XXXX. Experian credit bureau, still reporting my name as XXXX XXXX This name is not my legal name by law. The law firm advised me that this is not my legal name So, I am filing this report to get Experian to update my file name which is legally by law XXXX XXXX XXXX not XXXX XXXX. The FCRA, states that in consumer reporting that the consumer information is to be 100 % accurate. Experian, is not following federal law, therefore I am requesting that my name be updated as per the law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX Experian- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau ( CFPB ) against your organization. 

According to the CFPB, Experian has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that Experian has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - US Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX XXXX - Regional Acceptance These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that Experian has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

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

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Product: Debt collection

Dyck ONeal has a account showing open that is intact a collection.they finally sent me some information wrong information showing a debt for the Amy of {$160.00} with a payment date ofXX/XX/XXXXyes XXXX.account number XXXXthis is FALSE information and I demand it be removed permanently and completely from my credit file.i have a copy of the letter showing this to prove my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and XXXX and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : Experian- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry Date:XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX is reporting a collection after I sent a letter from the company paid in full. 
2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting
Product: Mortgage

Something happened during the refinance process on my mortgage. My payments were as they promised for XXXX year. Then I was told that the loan was {$1800.00} short in the escrow, and had been since the refinance. It's made the mortgage payments much bigger to catch up with the shortage, resulting in late payments and additional fees. The mortgage company has stated that the insurance was not paid, but I spoke with the insurance company and they received their payments all along, including the one at closing. 
I refinanced in XXXX of XXXX. It's been a nightmare since XX/XX/XXXX with continual late fees and increased payments.
Product: Money transfer, virtual currency, or money service

I requested payment of {$11.00} on XX/XX/XXXX. When the other person tried to pay, it gave them an error, and Venmo sent me an email stating my account is suspended for suspicious activity. But there is no suspicious activity, it suspended me for no reason. The Venmo email instructed me to provide my government ID, which I did. An account specialist verified my ID and unfroze my account. When I tried another transaction, I was instantly suspended again. The account specialist unfroze me, and when I tried to do a transaction it instantly froze me again. This has repeated 10 times now, and the account specialist is not helping, all they do is unfreeze me which let 's their system instantly suspend me the moment I try to use it. I have been unable to use my Venmo account since XX/XX/XXXX because their system keeps suspending me for no reason and none of the account specialists are fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX and XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX ( 2x ), XXXX ( 2x ), XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. On XX/XX/2024, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : XXXX XXXX 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: Vehicle loan or lease

Basically, I Was Always Following My Payments On XXXX XXXX XXXX XXXX XXXX " PNC BANK '' The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Had With The Vehicle, They Knew Name Of XXXX XXXX XXXX And Everything Because They've Had Prior History Communicating With Them. The Vehicle Was However Involved In A Total Loss And Gap Stated That They Would Immediately Make The Remainder Payment For The Vehicle Which Is The " XXXX '' Total Of The Vehicle 's Current Value. XXXX Insurance Communicated With Me That I No Longer Have To Make Any Payments On The Vehicle Since They Were Going To Cover The Remainder Owed On The Vehicle Completely Before My Payment Due Date Arrives. XXXX Made Me Late XXXX Months On My Payments I've Never Been Late Lately On Any Payments. So Please Understand, At This Moment I Was Immediately Not At Fault. The Vehicle Was Involved In A XXXX XXXX That Further On Made It XXXX When The Vehicle Was In The Shop For Almost XXXX Months They Finally Told Me It Was A Total Loss Please Review Documents Attached.
Product: Credit reporting or other personal consumer reports

These are my identity records and I want all unauthorized transactions and charges removed from my account and all credit files immediately per section 605b FCRA, " requires consumer reporting agencies to block and notify the furnisher of any information that a consumer claims is the result of identity theft ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX and Equifax on multiple occasions via regular mail, certified mail and online disputes trying to get XXXX XXXX off of my credit report. My car was repossessed and I got it back and paid it off in but it is reporting derogatory information on my credit report. I am trying to get a job with the government and this negative information is hindering the process. The account is over XXXX years old and neither reporting agency will remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax, is in violation of code ( XXXX XXXX XXXX Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that XXXX XXXX Equifax, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. 

What proof do you have it was not fraud? 

I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?
Product: Credit card or prepaid card

I used my Gap card for a purchase of XXXX on XX/XX/2018. I never received a statement from them and I never signed up for paperless statements though it appears I was defaulted to paperless. Since I never received anything, I didn't have a breakdown of what I was paying in interest, fees, etc. I then found it on my credit report and immediately paid the charge. But now they want to charge a 100 % interest fee of XXXX. 100 %!!!?? That has to be illegal. Please help.
Product: Credit card or prepaid card

I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX XXXX Card to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX XXXX has stated they do not correct any issues that are reported on credit report.
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility. 
I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments from my credit report.
Product: Credit card

I have conntact barclays several times about the misincorrect information that barclays Delaware has under my name yet they have not been responding nor the president of barclays delaware has answer calls even after stating that he will get the situation settled.
Product: Debt collection

I have asked Fox Collection Center to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices. 

FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.
Product: Student loan

The servicer offers no options to make a payment via phone over the weekend! If you travel or work and the weekend is the time you have, the serviced should offer the automated payment option. When you call the XXXX # that is on the bill, they state that there is a automated system 24 hrs a day then it gives hours of operation ( m-f ) then it hangs up. The option that the servicer does offer is payment online but not all of us have internet capability! Also the online option does not offer payment by debit card. So not only does the borrower have to go find internet access, the are only given the option of paying by checking or savings acct # and routing # which is not normally info that someone carries around with them when they travel or away from home. If they wont over automated system for pay by phone 24 hrs as they advertise then they shouldnt be charging late fees for borrowers that dont have access to the internet and those who dont have the checking or savings # readily available
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

My name is XXXX XXXX. Back in XXXX I was told that if I wanted to get promoted I needed to finish my degree. I went back to school for 4 semesters XXXX and XXXX. I graduated in XX/XX/XXXX, right before one of the biggest recessions ever. I was only able to get work as a temp, outside my field. 

Yet, I began repayment of both my federal and private loans in XXXX. I paid atotal of {$800.00} a month for 12 years. 

My principal balance is the same as the day I took the loans out in XXXX.