23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX Received late payment-due notice from Elan Financial Services . I didn't recognize the card number ending in XXXX. Discovered later it was a card issued to me in XXXX from XXXX XXXX XXXX. I never activated the card and cut it up. According to Elan rep, XXXX, he said it looks like a replacement card issued in XX/XX/XXXX. To verify my identity, XXXX sent a text message to the phone # they have on file for the card. I never received the text because the number they have is XXXX ( he wouldn't tell me the whole number ). Area code XXXX is a Florida number. I have lived in XXXX CA my whole life, I only have XXXX area codes on every phone I've had. XXXX said it looks fraudulent and he would send it to the fraud department to investigate. Said I should expect a follow up in the mail. I was never contacted about the fraud investigation- only received more late payment notices. 


XX/XX/XXXX XXXX open letters/statements from XXXX XXXX XXXX XXXX I discover I started receiving statements for activity on this card in XXXX. I don't open things from XXXX in a timely manner because I don't do any transactions with XXXX except to let XXXX IRAs sit there. I see the card was being used in XXXX from XXXX, XXXX, XXXX. I've never been out of the XXXX, I've never had a passport. 


XX/XX/XXXX I visit my local XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and talk to XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. She is very helpful and offers advice including filing a report on XXXX. The next day I send her XXXX, XXXX XXXX, XXXX, an email expressing my appreciation for her help. 


XX/XX/XXXX I file an Identity Theft report on XXXX. Report # XXXX. 


XX/XX/XXXX Not hearing anything I called Elan again. I was told that the fraud investigation was closed and it was " not found in my favor. '' I asked why I was never notified and was told that a letter was sent to me. I dispute that claim ; I definitely open anything from Elan as soon as I see it. I was given the name and phone # of the investigator and the case # : XXXX, XXXX, ext. XXXX, case # XXXX. I called and left a voicemail for her to call me back. Never received a call back. 


XX/XX/XXXX Interesting timing, after I call and ask to speak to the investigator assigned to my case, I receive a Settlement Program Offer of 65 % of the current balance. Balance is {$10000.00} ; settlement is {$6700.00}. These are clearly fraudulent charges. I will not settle for charges I never made. I'd like to know what sort of investigation they did to determine that I'm lying. What investigation took place that shows I went to XXXX and used that credit card? I've never left the country in all my XXXX  years of being on earth -- I've never had a passport. How could they do a full investigation without interviewing me?
Product: Credit reporting

My SSN was compromised by another lender and pulled multiple times without my authorization. I have informed the credit reporting agency and even after a fraud alert was placed they allowed them to pull my file. per the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) the must remove it by law. I want these deleted from my file.
Product: Mortgage

I was approved for a XXXX Trial Payment Plan in XXXX 2016 by Ocwen Loan Servicing , LLC . First payment was due on XXXX/XXXX/2016. I called my relationship manager, XXXX XXXX, last Thursday on XXXX/XXXX/2016 asking if my payment could be made by phone or electronically. I did not receive a return call from XXXX XXXX. When I call Ocwen 's customer service, I get the voicemail of XXXX XXXX. I looked at my account online and Ocwen does not show my payment has been received. XXXX XXXX is out of the office due to weather issues in the XXXX XXXX XXXX area. I have sent email communication today, XXXX/XXXX/2016, to XXXX XXXX to find out if my payment has been received. 
According to the documents received by Ocwen, " Trial Period '' payments must be received on or prior tot he XXXX day following the due date provided on each coupon. I would like to make sure my payment has been received. I mailed my payment on XXXX between XXXX XXXX and XXXX XXXX at the post office. I went to Ocwen 's website to provide the details of my payment earlier this week. Payment was mailed to the following address : Ocwen Loan Servicing , LLC, Box # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Check # is XXXX in the amount of {$3200.00}. I am not sure how often this mailbox is checked for payments and how long it takes to process these payments. I have been unable to reach anyone from Ocwen to discuss my concerns on the receipt of my payment. My prayer is that payments are processed in a timely manner so that we qualify for a permanent modification and that Ocwen does not delay the processing of our payment.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX 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

I begin using Performance Settlement in XX/XX/2016 in which they promised to dispute wrong information, to settle debts, and increase my credit score. The company never settled any debt and they never increase my score. They took {$5600.00} and no debt were settled as promised and they offered to give me a loan for {$2400.00} to take an advance which is illegal in California. The company never disclose everything they were trying to settle were charged off and it would not increase my score but might hurt my score. They were suppose to save the money in an account until it was enough to settle. When asked how much was in account was {$1.00}. A refund was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 
I am requesting that the item be removed or updated to reflect the correct the information. 

Your Company has refused to properly investigate these accounts by saying these are actual fact, when they are NOT. 

XXXX XXXX XXXX XXXX is not my account and needs to be REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I had a chance to review my XXXX credit report via XXXX XXXX.On it I noticed an error. I saw that I had a Jared account on my credit report in which I do but it is not the right account infromation that is on my actually Jareds bill. I disputed several times by certified mail due to this incident and sent it to XXXX. XXXX says its right then says that Jareds has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called XXXX and Jared to correct the account information. My Jareds account number is XXXX. Yet the XXXX account still remains.
Product: Debt collection

ED Financial has somehow obtained & collected my personal information and data and is now negatively reporting on my credit report/credit files although I have never conducted business with nor have I ever heard of ED Financial ; I allege ED Financial has obtained my personal information and data by way of Identity theft as I have never conducted any business with ED Financial . ED financial has caused me great hardship and has cause me and my family to suffer from defamation by recently reporting on my credit profile/credit reports and backdating an account, that is not mine as I have never conducted any business with ED Financial , to 2016. Not only have they illegally obtained and collected my personal information but they have also falsified dates of an account with them that I never opened.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run my credit.
Product: Credit card or prepaid card

I use a Mastercard for BJ XXXX purchases. I paid my XXXX amount due twice on the card managed by Comenity Bank. I immediately contacted Comenity and they confirmed my duplicate payment through the transactions on my BJ Mastercard in the Comenity system and said I was due a refund of {$530.00} for the overpayment.

I have contacted Comenity numerous times and have been advised that my claim for a refund was under investigation. I get periodic letters saying I need to furnish more information to support my claim when Comenity has already confirmed the overpayment and the Comenity credit card statement says if there is no activity on the account for 60 days, a
check will be issued for the balance in my Mastercard account. The only transactions on my account since XXXX were Comenity charges for interest on purchases which is incorrect since the purchases were paid in XXXX and late payment fees which are also incorrect. It is now well past 60 days and I remain unpaid.
Product: Credit card or prepaid card

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Product: Debt collection

I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute. 

After that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more. 

You know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX. 

I really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this. 

Thank you so very much for any help you can provide. 

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

a paid account that closed my account still reporting error of payment, i paid them to zero, and still reporting a balance
Product: Credit reporting or other personal consumer reports

A drbt collection company has a major charge on my credit that I didn't authorize. I explained that my identity was stoken to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a public record on my report that was inaccurate so I disputed the accuracy of the report. XXXX confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to XXXX and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to XXXX and they still have not removed the inaccurate information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Federal law mandates a response within 15 days, and non-compliance may lead to fines up to {$1000.00}. Prompt compliance with my request is preferred to avoid the need for a complaint. 
Please provide the detailed procedures for obtaining investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On date of XX/XX/XXXX Wells Fargo Bank issued check {$25.00} mail out to me reference number XXXX, check number XXXX and I did mobile deposit to XXXX XXXX XXXX  on date XX/XX/XXXX. Date of XX/XX/XXXX XXXX XXXX mail me for notice of return check and copy of mobile check with charged {$10.00} for return check from wells fargo bank. 
I called wells fargo bank XXXX many times and they said, that check was cashed out some one. I told them I has original check and check is on my name, who can cashed check? they said, will mail out proof of cashed 2 weeks ago but I never got it. 
I called again with same issue but same story go on, will mail out. 
wells fargo bank need to pay me {$35.00} including {$10.00} loss for they returned check. 
They answered same things all the time nothing more explained about situation. 
They must find out who cashed instead of me but they don't and don't care. 

I need to help, Please My e mail is XXXX Thank you
Product: Debt collection

Dear Argon Agency INC, What happen to my debt validation regarding the account listed below? 

XXXX XXXX XXXX I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. They law is clear on this issue ; you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 
In addition, Im asking your company to cease all communication with me via phone and mail except for advising me that you will be deleting the above account from my credit report. Here is what you must do within 10 days or I will be talking with an attorney to force my rights under the FDCPA and the FCRA. 
Instructions : ( 1 ). Deleted the above account from my credit report within 10 days from today.

( 2 ). Cease all communication with my by phone and by mail.

( 3 ). Stop all collection activity on this account as I consider this matter closed.

( 4 ). Send me a check for {$1000.00} for violation of the FDCRA.

If none above items are met, I will escalate this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts. XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX balXXXX {$930.00}, XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXXXXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened bal. {$170.00}, XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX datre opened XX/XX/XXXX bal. {$140.00} XXXX comenitybank/hottopic Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, syncb/oldnavy Account XXXX XXXX date opened XX/XX/XXXX bal. $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.