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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX  This is not mine.

15. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

I am a victim of Identity Theft. Recently, some company deposited 2 wire transfer checks into my checking account. I did not authorize or know anything about them. My financial institution closed my accounts and refused to let me open new accounts. This happened on or around XX/XX/2018. I do not know the exact amounts of the wire transfers. Perhaps around {$900.00} or so each time. I called my local police and spoke with an officer, explained I was a victim of Identity Theft. I have a Police report. My direct deposits to these accounts were denied as the bank closed my accounts and denied me new ones. This was no fault of mine! I was treated like the criminal by the Bank, instead of the other way around. Especially by the Personal Banker at my branch. 
I have been an Identity Theft victim for over 1 year. I am losing everything I own and my credit is atrocious because of this. No one will help me!
Product: Debt collection

By the XXXX of XXXX, I ; Man deny that this is my account and if it is my account, who is the Man verifying that I owe this debt. I acknowledge this account was established without my Knowledge and I have no contractual agreement with nor received any services from Performant Recovery. Please cease and desist this collection activity. ftc and police report attached
Product: Checking or savings account

I had {$500.00} in my chime savings account and about {$40.00} in my chime checking account. My accounts were closed randomly without any notice or explanation other than I violated the user agreement. They closed my account and said all funds from my checking and saving a will be sent with a check within 30 days. I emailed them to ask how much they check would be for and they said for {$0.00}. I got a fact know how much money was I. My account at the time of closure. I would like my money sent to me with a check to the address I have on file with chime.
Product: Checking or savings account

Approximately for 3 years, Wells Fargo has been notifying me by text via my gmail account about fraud charges, overdrafts and miscellaneous notifications. The problem is that it is not my debit card. Most recent notification was XX/XX/XXXX about 3 transactions either fraud or approved. All for debit card ending in XXXX. Previous Fraud notification XX/XX/XXXX, XX/XX/XXXX and so on. I deleted the rest. 

When I call they want the whole debit card number but I don't have it. My gmail account is XXXX. I do have accounts with Wells Fargo but not this one. They do have my text information correct on my accounts. XXXX. I keep the gmail account for my phone. FYI : there is another XXXX XXXX in Minnesota that I know of but don't know. I want these notifications corrected as it is disturbing. 

As stated previously, I have called repeatedly and have actually went in person to the bank. Always told for security reasons, they can't help me because I don't have the full debit number.
Product: Mortgage

My name is XXXX XXXX XXXX and on the second of XXXX I was driving home and was hit by a drunk driver. I was in the hospital until Saturday the XXXX of XXXX with a concussion, XXXX XXXX XXXX, and other issues. I was late with the mortgage payment but made it on the XXXX of XXXX trying to catch up. Today on XXXX XXXX I called to nicely ask to have the XXXX late fee waived and was told that they could not do this. Also Bayview has changed the amount of the payments they seem to ask what they want since XX/XX/2018 and they just seem to be doing whatever they can get away with. Since I have filed complaints with you before and caught them lying an other issues why has the Federal Government not taken control of this company. We have a contract for a set mortgage payment and bayview keeps breaking the contract and raising the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was having difficulty paying my mortgage and came to a forbearance agreement with the bank ( XXXX XXXX ). XXXX XXXX was having difficulty showing this on our statement, but stated that we were in full compliance. In XX/XX/XXXX XXXX XXXX  bought out XXXX XXXX and took over our mortgage. Since the billing was never corrected, XXXX XXXX took that as if I was delinquent. We reached out to XXXX XXXX immediately to try and resolve the confusion. This has had no response or resolution. XXXX XXXX turned us over to their collection department which have reported multiple delinquent payments on our credit reports which drastically affected our credit score. We have been in talks with XXXX XXXX a Vice president at the XXXX TN location. He keeps saying they are working on it, but nothing has been done and we keep getting negative remarks on our credit score on all three credit reporting agencies.
Product: Debt collection

Equifax is reporting and unverified medical debt on my consumer eport this debt has never been verified I have no idea were it came from and there is no information on my consumer report about this debt. It is showing up as collections but it has not been verified. This is violation of 15 USC 1681 fairness and accuracy of credit reporting. 
Due to this inaccuracy I have been denied credit and my right to privacy has been violated. Also The cfpb states that all medical debt under XXXX $ would not be furnished on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was preapppoved for {$3200.00} I submitted my application and I was denied due to not verifying my identity I called customer service and then they send me a one time code and then they told me someone will get back to me in four days which it dont make any sense if they verify me then I should be approved then I applied again then it was denied again and they are trying to pull my credit report again but I didnt let it happen. I refused .. so I want them to approved my application I submitted at XXXX XXXX not the one for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report had several errors reporting to my credit report on all 3 bueraus so i reached out to each one on XXXX XXXX with some certifed letter requesting the information to be removed and letters to be sent out to me with proof that i open these accounts with my signatures and only XXXX complied and deleted all the accounts that were listing closed with balance.I also requested the same to be done by the XXXX  and experian and they both have yet sent over the requested documents showing anything of sort as of XX/XX/XXXX and all the following accounts are still reporting negative to my credit reports.The following accounts are as follows : XXXX XXXX XXXX XXXX reported XXXX XXXX with a bal of XXXX, XXXX XXXX XXXX XXXX with a bal of XXXX, XXXX XXXX XXXX with a bal of XXXX, XXXX  department store reported XXXX XXXX with a bal of XXXX, XXXX XXXX reported XX/XX/XXXX, XXXX with a balance of XXXX, XXXX XX/XX/XXXX with a bal of XXXX, XXXX XXXX on XXXX XXXX and bal reported XXXX, XXXX XXXX reported XX/XX/XXXX bal is showing XXXX, continental reported on XXXX XXXX and reporting XXXX XXXX The bank of missouri XXXX last reported on XXXX XXXX XXXX XXXX XXXX opportunity financial last reported XXXX XXXX bal XXXXPlease remove all negative information due to it inaccurate information.
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 : " XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : $ {$15000.00} "
Product: Credit card or prepaid card

Credit Karma gave me false information that I was approved for a credit card and that my approval was above average based on my credit score. I was subsequently denied and my credit score took a hit.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Reporting and Request for Removal of Debt Collector Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information being reported on my credit report by Experian. Specifically, the information pertains to the following debt collector accounts : XXXX XXXX XXXX XXXX : {$310.00} XXXX Funding : {$720.00} I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the relevant Code of Federal Regulations ( CFR ). Here are my specific concerns : No Contractual Obligation : I do not have any contractual obligation or agreement with either XXXX XXXX XXXXXXXX XXXX, or XXXX Funding. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including obtaining the consumer 's written consent. I have never given Experian written consent to furnish my information to or obtain it from these debt collectors. 

Violation of CFR : By reporting this information without my consent, Experian has violated several provisions of the Code of Federal Regulations, including but not limited to : 16 CFR Part 600 : General Provisions 16 CFR Part 601 : Procedures for Compliance with the Fair Credit Reporting Act 16 CFR Part 602 : Prescreen Opt-Out Notice These violations are significant, and I demand a remedy for each infraction.

As per 15 USC 1681i, I demand an immediate investigation into this matter. 

Please address this matter promptly and confirm receipt of this letter. 

Thank you for your immediate attention to this urgent matter. 
Best
Product: Credit reporting or other personal consumer reports

Has not updated my payments or balance since XXXX of XXXX  reporting that Im late and behind on payments which is wrong called the company to have it corrected on my credit report but they have done nothing to date
Product: Credit card or prepaid card

This is a complaint against Bank of the West Credit Card for charging illegal fees. 
The XXXX Credit Card statement for the billing period of XX/XX/2023 to XX/XX/2023 lists a Minimum Interest Fee of {$1.00}. This is an illegal because : 1- The only balance on the card is a promotional balance with a XXXX interest rate until the XX/XX/2023. 
2- There were no purchases made during the billing cycle of XX/XX/2023 to XX/XX/2023. 
3- The Minimum Payment of the previous billing statement was made on the due day. 
An interest fee is therefore illegal.
Product: Credit card or prepaid card

After approximately 4-5 calls over the span of 2 months including calls made last year to bank I continue to be thrown around in circles. I have tried on several occasions to settle my closed accounts balance with the bank. Last year I recall placing a call to the bank who stated the account was transferred to a collections agency, after calling the collection agency to settle the balance they stated they had not had the account since XX/XX/XXXXand was told by the bank and collection agency to wait until I was called to settle once the account transitions to a new bank or collector. This year I called back now approximately five times to settle the account again since I was never contacted like they stated I would be and was given the same run around. Only this time I was advised on four separate occasions that the account would be escalated to senior management so that the account can be brought back to the original bank so I can settle my account. It has been over a month and I have called at least once every week to follow up after being told after each conversation that in a week or two the account should have been recovered back to their bank. I have made several attempts to settle this account with no success as Barclays Financing has not assisted nor accepted my payments. I have submitted a credit report dispute and they have now stated they do not agree with my dispute and have placed derogatory marks on my credit report.
Product: Credit reporting or other personal consumer reports

Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and then they tell me my scores are out of date but if I pay them XXXX they will update my scores proving they deliberately show an out of date score to put worthless credit cards
Product: Debt collection

I disputed this item last mont, and it was recorded as verified but ... 
simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' this account with
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my request for verification and getting this false late payment account updated, and in accordance with its standard procedures, Transunion did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXXXXXX XXXX XXXX  billing error on my credit report. it is alleged that Transunion might have forward some notice of the dispute to XXXX XXXX  and XXXX XXXX  failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX XXXX  have thousands of negative reviews on XXXX, the XXXX, and the CFPB website for problems with their credit reporting of false late payments. I asked that Transunion conduct a complete and thorough investigation into this matter. As i know Transunion disburses consumer reports to third parties under contract for monetary compensation which is one reason they are not conducting a complete investigation.
Product: Credit reporting or other personal consumer reports

I recently came across the XXXX lawsuit against Experian and believe I was directly harmed by their deceptive practices. Despite repeatedly submitting my drivers license, Social Security card, and a utility bill to verify my identity, Experian kept stalling, claiming they couldnt verify me. Meanwhile, they fraudulently verified disputed accounts without providing any proof, severely damaging my credit. 

I have received multiple denials of credit based on Experians inaccurate reporting, yet my earlier disputes were dismissed without proper investigation. Their actions violate the Fair Credit Reporting Act ( FCRA ) and mirror the very misconduct highlighted in the XXXX case against them. 

I demand that the CFPB take action against Experian and ensure they : Provide a detailed explanation of how they " verified '' my disputed accounts. 
Produce any documentation used to verify these accounts. Conduct a legitimate reinvestigation as required by law. Permanently remove all inaccurate and unverifiable accounts from my credit report.

Experians fraudulent tactics have caused me financial harm, and I urge the CFPB to hold them accountable. I appreciate your attention to this serious matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion currently shows a derogatory credit report for " XXXX XXXX '' a collections company for XXXX XXXX to whom it is claimed I owe a debt. This is a error and should be removed because I was covered by my insurance company for any and all debts owed for treatment. This is having a negative impact on my Credit score and report when seen by other financial companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Product: Debt collection

Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC XXXX has attempted to collect a credit card from 10 years past in the amount of {$1300.00}. The credit card debt was paid in full to the creditor. The creditor agreed to accept a " reduction '' in a debt in the amount of {$1300.00}. It appears XXXX XXXX has access to this information and is attempting to collect something not owed to them. Dynamic has suggested to " settle '' the {$1300.00} for {$270.00}. Company keeps calling and sending letters to collect a debt not owed.