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

Early Warning : I am writing today to express my frustrations in trying to remove unrecognized and likely fraudulent information on my consumer file. I have been a victim of identity theft after my information was exposed in a databreach and have previously requested my consumer file and disputed information with Early Warning but have not received a response to my requests. Specifically, California and Federal law requires Early Warning to provide me with the records, documents, and actions that Early Warning relied upon in making a decision in response to a dispute. However, Early Warning has not provided me with the requested documents and has not acknowledge my letters requesting more information or another copy of my consumer file. Specifically, for the purpose of this CFPB complaint, I am formally demanding that Early Warning provide me with all the records, documents, and actions relied upon to make a determination in case numbers XXXX and XXXX. Furthermore, please provide me with a complete and up to date copy of my consumer file and an explanation as to why my previous requests for these documents have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2016 Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened my account with Truist on the XXXX of XXXX and they closed it on the XXXX. I want nothing to do with Truist anymore but they have my initial {$500.00} deposit still. It has been over three weeks and they have not sent me a check. When I went in person to a branch I was told my account was not closed but when I called I was told it was. No one has been able to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit file I noticed a lot of invalid information on my credit report with Equifax. I am interested in disputing all inaccurate information to help clear my file.
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX I sent the bank a payment for the remaining balance. For XXXX months I had a {$0.00} balance, which I paid through electronic funds XXXX times. When they determined that the principal was paid off, the bank went retro back to XX/XX/2022 and tried collecting the XXXX day payoff interest, for the amount of {$70.00}. This amount was not on any statements from XXXX through XXXX, I asked for my title and they added the interest. I spent several hours on the phone with them and got no resolution. What they did in my mind is extortion
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I ordered, through PNC 's online banking service, a check payment of {$8000.00} from PNC bank to XXXX to settle a car accident. I typed in correctly the check address to the third-party settlement company and made the check payable to XXXX in the online payment system. Upon finishing the instruction, the online payment system highlighted only web payment option and had no paper check option. So I went through the web payment option. XXXX and their settlement company informed me the money was never received. 

To resolve the issue, I have : 1. Contacted XXXX, but XXXX asked me to instruct them where the money was sent to for them to locate the money. I was not given the information from PNC. 
2. Contacted PNC bank, but PNC informed me that their online system was outsourced to a third-party, XXXX  and referred me to them. But XXXX refused to interact with individual customers and would only work with institutions. 
4. Disputed the payment through PNC Bank. PNC Bank contacted XXXX, XXXX refused to engage, and PNC Bank closed the dispute. 
5. PNC confirmed the money was sent out through web payment to XXXX and asked if I was paying to XXXX from XXXX XXXX online payment system. I told PNC Bank that I am not a customer of XXXX, have no way to use their regular payment system, and have no idea where the {$8000.00} was sent. 

From interacting with branch managers of PNC, a plausible scenario of what actually happened may have been this : 1. I ordered a payment with the recipient name being XXXX 2. The outsourced payment system hardcoded payments to XXXX through their insurance payment interface 3. The money was sent to one of the generic XXXX insurance payment interface
Product: Checking or savings account

Unbeknownst to me, on XX/XX/2024, {$1000.00} was withdrawn from my Wells Fargo ( WF ) checking account. I happened to check my account on XX/XX/XXXX, noticed the fraudulent withdrawal, and immediately called WF to report the fraud. With the help of the banker, the account was closed, and an investigation was initiated.

- I learned that the withdrawal happened inside a branch store on the other side of the city. 
On XX/XX/2024, I called WF to inquire about the status of the investigation. I was told that the fraudster had an I.D., and the signature on the withdrawal receipt matched what was on the I.D . so as far as WF was concerned, this investigation was concluded ; my father immediately contacted the XXXX XXXX. non-emergency operator and asked where to file a police report and was told that it needed to be filed here in XXXX ( Texas ) so we went to the police station and did as directed. 

Also, on or about XX/XX/XXXX, I requested of WF that this issue be escalated to the Customer Advocacy Group for resolution. Because this fraud happened inside the bank and with cameras, I asked if I could send my picture and/or I.D . to show that it wasn't me, but I was told that it wasn't an option. I was told to check back in XXXX working days. 
I called the WF Customer Advocacy Group and was told that they closed the investigation because they determined that my mother, who was a joint-owner on the account, made the withdrawal ( initially, they said it was me ) AND did not file a complaint about the funds being fraudulently taken, so they considered the withdrawal valid and closed the case. This is utterly preposterous! My mother and I were here at home on the day of the withdrawal and did not travel to XXXX. 

Why was my mother a joint owner? I've had this account for a very long time, and my mother is the one who helped me open the account because I couldn't open it on my own. I just never had her taken off the account. 

I contacted the XXXX XXXX. on XX/XX/2024 to inquire about the investigation and was told that the case had been transferred to the XXXX XXXX XXXX XXXX Department because the theft happened in XXXX XXXX ( remember, I asked about that before ). From personal experience, this case being sent to XXXX XXXX is an enormous waste of time because it will be added to a pile of reports that will not be earnestly investigated, and will be subsequently discarded. 

Wells Fargo closed the investigation, I suspect because they don't want to be held liable. XXXX XXXX will not investigate this matter diligently, if at all, and I can't afford to lose {$1000.00} out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX credit card and was denied because XXXX XXXX  said the credit score of XXXX on Transunion was too low and had several accounts in collections. First of all i have Never in my entire life ever had a credit score of XXXX with any of the credit reporting agencies. I also have no open accounts or delinquent accounts in collections. I wrote XXXX XXXX a letter and attached a copy of my credit scores from both Transunion and XXXX  and both were in good credit standing and scores in XXXX and XXXX from XXXX. 

I do not appreciate being discriminated or denied credit based on false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times I have submitted documentation with the CFPB and via hard copy mail Experian still refuses to show the account as paid and continues to report the account as closed charged off. The company itself has also submitted the account as paid and full to them and they still refuse to update the account as paid. including the payment information from XX/XX/2018 which paid the account in full.
Product: Credit card or prepaid card

U.s. bank reversed all or most of my charges to companies i made payments to. My car was repossed and other services were shut off including my cell service. At this point its in the thousands of dollars they are supposed to refund me. My car has been now sold at auction by the finance company. Im out of my car and all the payments i made for it over these years because of the mistakes. Not to mention all services being shut off on me. U.s. bank gov. Unemployment benefits over XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to try and get information correct on my credit report. XXXX continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus Transunion and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit check to the XXXX XXXX Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.
Product: Credit card

There is a 6.5 year old debt that I have been fighting for a number of years. I have filed fraud documentation with the original creditor, XXXX, and they are working on the process of clearing that now. The debt was taken out when I was under the age of XXXX by whomever took the debt out. Also, the statute of limitations for an open account ( credit card ) is three years in the state of Louisiana. The account was taken out in XX/XX/XXXX, we are currently in the last few months of XX/XX/XXXX. Therefore, the statute of limitations has run on the debt. P & L Acquisitions sent me a litigation notice about the debt. The amount listed in the " Amount Owed '' section is {$2600.00}. The original debt was {$1000.00}. I spoke to XXXX XXXX, manager at P & L Acquisitions, and he was very evasive, refusing to send me a written validation notice of the debt. The account was written off and taken off of my credit report by the original creditor XXXX. It appears the company is attempting to make a profit, illegally. I have contacted my attorney and she informed me of all of my rights under the Fair Debt Collection Practices Act, to which P & L Acquisitions is in violation of. The use of bullying tactics, evasiveness, and illegal practices by P & L Acquisitions is astonishing. I have recorded all conversations from P & L to demonstrate the things mentioned in this complaint. Thank you.
Product: Credit card or prepaid card

Wells Fargo Bank, NA has acknowledged that they have unlawfully opened deposit accounts without my knowledge however, Wells Fargo Bank Card Services however has failed to acknowledge the unlawful credit card accounts opened, destruction of my credit worthiness and continued account takeover fraud despite the overwhelming amount of evidence that I have provided. This is a blatant violation of the CFPB XXXX OCC legislative agreement reached earlier this year. Wells Fargo continues to engage in abusive sales practices, fraud, conspiracy to commit fraud, account takeover fraud, destruction of my creditworthiness and failure to assist me and refusal to reimburse all fees associated with the fraud regarding accounts in my name should be noted and investigated.
Product: Credit reporting or other personal consumer reports

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was Upstart, and the debt was later purchased by XXXX XXXX, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/year>. However, it is still incorrectly listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement. XXXX XXXX acknowledges that the account has been settled, but there has been no update of the status from Upstart
Product: Credit card

I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you
Product: Credit card or prepaid card

I applied for a credit card with Synchrony bank / SAM 's club on XX/XX/2019 and was denied due to " Number of recent credit requests. '' My credit score is XXXX and I've never been late on a payment of any kind in my life, so I'm a little concerned they're basing their credit decisions on factors that may be in violation of ECOA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I am writing this complaint because XXXX XXXX has denied my loan modification when I proved that I qualify. The denial is illegal. The Supreme Court has reversed several foreclosures against XXXX XXXX, acting as trustees for investors. They couldnt prove they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated XXXX XXXX for their utter carelessness. I want SPS to stop the XX/XX/2019 sale date. XXXX XXXX must give me a loan modification or stop the XXXX XXXX sale date. What SPS and XXXX XXXX is doing is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX XXXX Amount Owed : {$1000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account, according to the FCRA this item must be deleted
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITAL ONE Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from XXXX. I had previously disputed this account through another collection agency and it was removed from my credit report but has been reinserted through XXXX. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply can not get XXXX to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!
Product: Consumer Loan

BMW Financial approved me at Prestige BMW in XXXX, New Jersey for about XXXX on a brand new M235i with some Dinan parts. However, I am XXXX I put nothing down and I got approved, mind you I make about XXXX a month so I thought it would be impossible to get approved. I gave it a shot and it happened I left with my brand new M235 the same day. The issue I am having now is affording it, I agreed to pay {$1000.00} a month because I am an idiot and I completely regret the impulsive decision now. At this point I agreed to a vehicle surrender, still waiting on a call from an agent to schedule a time to pick up my vehicle. I will be filing a lawsuit due to the fact they approved me to begin with. I feel like there might have been an alteration on my credit application in order to get me approved, I will be trying to get a hard copy of that. I feel like I have been apart of some kind of financial scheme in order to get young and dumb people into any vehicle they desire.
Product: Debt collection

I have been paying Chase, but I still owe them so much. I don't owe them a XXXX anymore. As I stop using their card. They also called like crazy everyday