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

I contacted all three credit bureaus XXXX XXXX, equifax, and XXXX  ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.
Product: Credit reporting

I have recently been made privy to TransUnion 's widely know glitch that illegally caused information on people 's credit report to disappear and then reappear without notification. This affected me, and in fact it 's been more damning than I could ever imagine, as it put new information in the form of credit inquiries that I never authorized. After speaking with a supervisor on XX/XX/2016 and confirming that they in fact had a breach on XX/XX/XXXX, I was informed they would remove any and all unauthorized hard inquiries on my file from XX/XX/2016 moving forward. 
The ONLY hard inquiries I should have ( that I authorized on my own volition ) are : 1. XXXX XXXX XXXX XXXX XXXX, XX/XX/2016 2. XXXX, XX/XX/2016 3. XXXX XXXX, XX/XX/2016 Transunion needs to remove the remain onslaught of inquiries that appeared from nowhere. Furthermore, as this breach only affected Transunion, I do not want unwarranted freezes or fraud alerts as this was a Transunion error. No other CRA has had recent breaches, therefore contacting them is not necessary. 
My drivers license and social security card are attached for purpose of permissible file access only.
Product: Credit reporting, credit repair services, or other personal consumer reports

BY NATURE OF PREVIOUS CFPB REPORT XXXX, VW XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.
Product: Credit reporting or other personal consumer reports

All these accounts are fraudulent below I did not inquiry no credit from these companies. 

( Fraudulent Inquiries ) XXXX. XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/2022 Equifax XXXX Equifax
Product: Debt collection

I do not know Cooling and Winter LLC nor XXXX XXXX XXXX, XXXX XXXX XXXX. I requested them the proof of the debt, I owe to them. Instead of sending me the proof, they sent me forgery XXXX County court Record and moreover they attempt to steal mon

ey from my bank account. Attached : 1.
Original Writ of XXXX XXXX on XX/XX/XXXX 2. Forgery Writ of XXXX XXXX 3. Forgery Document Follow Up 4. Forgery Garnishment Filing 5. Cooling & Winter LLC Name was Reserved and Established on XX/XX/XXXX but Their name was in Writ of XXXX XXXX on XX/XX/XXXX 6. ID Theft Report 7. Request Proof of Owe : Certified Letters and was Delivered to Cooling & Winter
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a collection notice from Paragon Revenue Group regarding a medical bill I never received from the hospital. I never had an opportunity to reach out to the hospital with questions. not sure if I owe them money or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate info on report with XXXX  and they still left info and changed the dates The dates are inaccurate shows unknown that shows dates meaning was sold and has been over 7 years so should be removed I disputed with XXXX XXXX and Wells Fargo bought by XXXX  removed it from XXXX  But not XXXX  should be removed from all 3 agencies last payment was XX/XX/XXXX not XXXX meaning 7 years need remove why only one report not all
Product: Credit reporting or other personal consumer reports

Equifax is in VIOLATION of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XX/XX/XXXX XXXX on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inquiries and accounts that dnt belong to me. I didnt authorize
Product: Checking or savings account

Wells Fargo removed {$39000.00} plus from my bank account. They are refusing to tell me who has the money today. Is Wells fargo holding the money? Does the government have the money? Does the Plaintiff Attorney have the money? I have been given several answers to that question. I need the truth. I am being unjustly sued for this money. I am not asking WHY they are holding the money. I am asking WHO HAS THE MONEY RIGHT NOW. I asked wells fargo attorney XXXX XXXX if the money is being held by wells fargo or if the money was given to the government or if the money was given to the Plaintiff Attorney. He has not answered me and I believe I deserve an answer immediately to this simple question. It was removed from my account the first week of XX/XX/2020.
Product: Credit card

I recently had a high balance of around {$1700.00} with my Destiny credit card. Part of that balance was two over limit fees ( {$40.00} and {$30.00} ) and three returned check fees. I had opted out and f over limit coverage and to my understanding by opting out of the coverage, I would not have over the credit limit fees. In addition to those fees, Destiny card ( Concora credit ) had closed my account. 
They state they closed my account due to to many returned, unpaid payments, which I understand to a point. As I had provided the incorrect account for payment in error. 
I had explained that and asked Destiny credit card for forgiveness and to reinstate my solid account. I have not only paid off my outstanding balance, but part of that balance was utilized for over the credit limit fees unfairly Additionally, destiny credit card is refusing to mail me a check in the amount of {$49.00} that I have over paid and denying to refund me the two over the credit limit fees of {$40.00} and {$30.00}. I had also asked as a courtesy if they could Wave as a one time courtesy the return check fees, which I was also denied
Product: Credit card or prepaid card

Since 2014 ( account closed ) Capital One continues to report my credit card account as open and continues to charge me interest on a closed account. The account is closed and they continue to keep the minimum payment amount the same even though the balance is decreasing after consistent payments. They refuse to adjust or even report the account as closed. If they account is closed, why am I still charged interest and why isn't the minimum payment due reduced?
Product: Bank account or service

Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred money into the app Klarna to top up my online account and make purchases or pay for the purchased already made with my available balance at Klarna. After a dispute they froze my account then I contacted them they cleared an amount owed due to a dispute and unfreeze my account but they refused to refund me my balance as requested, after they claimed they will. Later they asked me to reconnect my bank account to issue such refund instead they went ahead and charged me the money for the initial claim, and didnt refunded me plus never allowed me to pay or make any purchases using my own money left on my top up account. I do not want to use it or purchase anymore through them even if they would now allow me now to do it. I just dont trust them I want my money refunded back. This company is a scam they scammed me out of my hard earned money, that I transferred online to my account in their app. Many people disputed the same in Klarnas XXXX page and online. Is not the first time they scam a trusting consumer.
Product: Credit reporting or other personal consumer reports

I borrowed around XXXX k in student loans total along with the XXXX XXXX  and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX grand bc I owe XXXX grand in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My bachelors is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened
Product: Credit card

Apple closed my credit card account without any notice or contact. I have never used my credit card and they closed my account. I have tried contacting Apple and no one will tell me why. They informed me that they called me and that was my only chance to keep my account open. I have never received any call from Apple. Terrible company.
Product: Debt collection

Opened XXXX-XXXX-2017 for the amount of {$360.00} was payed off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.
Product: Mortgage

We purchased our home in  XXXX . In  XXXX , we took out a home equity loan with  XXXX . In  XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now  XXXX    XXXX    (  who acquired  XXXX   ),  breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in  XXXX , they withdrew the lawsuit. Our home has been underwater since  XXXX . We have been trying to resolve this for almost 9 years.   Then, in  XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the  XXXX   XXXX   Court of appeals  demolished statue of limitation laws in  XXXX  states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In  XXXX ,  XXXX  started foreclosure again.   We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00}  XXXX . The house is still underwater and we can not sell it for $  XXXX . Even though they are supposed to help home owners who are underwater with some of the  XXXX   XXXX  in fines levied by th e US  government, they have told us they will not help us.   There is no t one person at Ocwen, who is the agent  for  XXXX   XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is  Ocwen  and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and  XXXX  and  Ocwen  get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.
Product: Credit card

About 5 -10 years ago a Sears sales person talked me into applying for a Sears Master Card. I received the card but NEVER used it. XXXX 2015 I received a statement owing {$35.00} " XX/XX/2015 XXXX card reload XXXX ". Knowing I NEVER used the card, never been in a XXXX, an do n't even drink coffee, I ignored the statement. 
In XX/XX/XXXX a statement came with penalty making the balance due of {$62.00}. 
On XX/XX/XXXX I replied with a note on the statement refuting the charges and asking Sears and Citi cards to correct their records. 
XX/XX/XXXX letter from Citi Cards threatens to " report information about your account to credit bureaus. '' On XX/XX/XXXX I received from Citi bank a new Sears card and blank checks which I have no intention of using. 
An internet search shows numerous examples of people with similar false charges regarding " XXXX card reload XXXX Wa " on various credit cards. It appears XXXX, Sears, nor Citibank are interested in stopping this scam. 
As a XXXX I do n't need the aggravation of trying to protect my credit rating through no fault of my own.
Product: Debt collection

This is being sent to you in response to a notice sent to me on XX/XX/20. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting

Equifax will not deliver my free credit report after I entered all of my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXXXXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX