23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.
Product: Debt collection

Repeadly calling me, and nobody will be on the line for several seconds after I answer, then they ask for someone who is not the owner of the phone. I tell them this, ask them not to call again, abd then I get another call. Eventually they must change their company name because they just keep doing the same thing from different numbers, some of the times I can not even get a business name from the people.. i can hardly even you my phone they call so often.
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Product: Checking or savings account

On XX/XX/year> a withdrawal was made from my Wells Fargo checking account to an XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX in the amount of XXXX. 
This was not an authorized transaction, nor do I have any affiliation with an XXXXXXXX XXXX XXXX XXXX  XXXX. 

I filed a fraud complaint with Wells Fargo on XX/XX/year>. Wells Frago states they investigated this transaction and it looked authorized on their end. They claim a transaction was completed on my computer. Wells Fargo denied my claim three times. 

On XX/XX/XXXX, I spoke with a representative from XXXX XXXX named XXXX ( she would not share her last name ), calling from number XXXX. She directed me to send " proof of authorization '' from Wells Fargo to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX PA XXXX. I sent all of my fraud claim information to this address. 

XXXX XXXX closed my compliant by stating they have no record of this transaction on XX/XX/year>. I have written proof from Wells Fargo that the transaction was issued from my account. Again, this transaction was never authorized by me. 

Thank you for your help, I can provide any other information or documents you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against Experian, XXXX, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account
Product: Checking or savings account

My personal notebook was stolen by me in a public place with all my personal information. PIN # s. User ID, passwords. and that included my debit card from NFCU, ID. They went to withdraw money from the ATM/Bank. 

I called NFCU right away and they closed my accounts and opened new ones. I immediately changed all my passwords and put a lock with the 3 credit bureaus. 


All my other banks blocked the transactions except NFCU. The thiefs were able to go into my account and take all my money out. 

I have waited the appropriate time with NFCU to find a resolution. Everytime I call, there is no update on my case ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information.
Product: Mortgage

Chase bank continues to mislead me and lie to me and cheat me. I have had 3 mortgages with them and they told me I qualified for modifications on all 3. I have received 2 modifications. They have lost {$11000.00} that I sent them in payments in forbearance and refuse to find it. I am totaling frustrated with them and want you to help in resolving my complaint.They are now offering a mod on the final one and want me to send them payments but they have not been accountable to me for the money I have already sent them and so I have opened a savings account and placed the money there. Please help.
Product: Debt collection

On XX/XX/2019 a letter was sent to me from XXXX XXXX XXXX regarding a debt that is owed to XXXX XXXX/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX XXXX through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX Platinum credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
Product: Mortgage

I have several falsified documents that will corroborate each of my claims. The documents will demonstrate Predatory Lending and Mortgage Fraud. Wells Fargo should also be ashamed by replacing my point of contact from XXXX XXXX to somebody by the name of XXXX XXXX who 's job it was to scare me half to death. He misrepresented his job title and called from an " unknown number. '' He told my son that I better just sell my home. It 's basically another example of deplorable behavior on the part of Wells Fargo. I ca n't understand how a bank can treat the elderly with such disrespect and abuse. I can not even refer to this XXXX XXXX ( Another Wells Fargo Elderly Bully ) as a man. He spoke to me like I was a piece of garbage so I asked him to speak to my son. His act only got worse when my son informed him that he was working this mortgage fraud with the CFPB and the FBI. I can only speak on behalf of XXXX alleged motive to convince me that the CFPB and The FBI are powerless when it comes to protecting citizens against Wells Fargo. Is he eluding to the fact that I 'm XXXX in my attempt at fighting the good fight? Only time will tell if his staments ring true. He laughed out loud and responded " hahaha good luck with that ''. XXXX was told that the phone call was being recorded and still conducted himself as if he could do as he pleased. Wells Fargo used the ole " Be careful what you wish for act '' by assigning this employee as my new point of contact. Obviously, I have complained on more than one occasion in regard to XXXX XXXX deplorable conduct. XXXX XXXX started the laughing routine when she stated " Watch what happens in XXXX. '' She was referring to the pending foreclosure. I can not believe that Wells Fargo laughs and ridicules the elderly by any means possible. Once again, the elusive XXXX XXXX is nowhere to be found. She used her alleged assistant to place two calls stating that XXXX XXXX would be out of the office for the entire week. After consecutive messages on two occasions this prior week from XXXX XXXX assistant, Wells Fargo flexed their muscle. Wells Fargo 's intent is to follow the same pattern of unethical behavior in several other cases. I 've fought XXXX and have other medical problems that have been exacerbated by this entire ordeal. Wells Fargo has demonstrated how they go about using their tremendous power and unlimited resources to scare and, at times, let nature take care of their business with the elderly. Do they understand how frightened senior citizens have become as a result of their deplorable behavior? Obviously one superior court case has led to the death of an elderly gentleman who had the gaul to fight his case against the Well Fargo Fraud Mill. Please see ( attachment ).
Product: Checking or savings account

Filed a complaint with Capital One with the CFPB on XX/XX/XXXX after they froze all my accounts and withdrew my remaining funds of {$7200.00}. 

XX/XX/XXXX Capital One formally responded with : " Records confirm that the accounts received an XXXX XXXX loan on XX/XX/XXXX for {$12000.00} and an XXXX on XX/XX/XXXX for {$1000.00}. These proceeds were deposited into consumer accounts with no established or registered business. The accounts were restricted on XX/XX/XXXX and investigated. A business decision has been made to return the funds to the XXXX and to close the accounts. '' My loan from the XXXX was a XXXX loan for {$12000.00} NOT A XXXX LOAN. 

On XX/XX/XXXX I contacted XXXX, XXXX, XXXX, and XXXX. I was promptly ignored and did not receive a reply. 

On XX/XX/XXXX I emailed XXXX with my loan agreement, real estate license certificate and my XXXX Tax Returns. These documents were ignored and I was never contacted by anyone from Capital One. 

On XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX at the XXXX to confirm receipt of the {$7200.00} that Capital One has claimed to returned. 

XXXX formally responds with " To date, no proceeds have been received and applied to the XXXX loan. '' It is now XX/XX/XXXX. It has been nearly 60 days since Capital One has claimed to returned the {$7200.00} back to the XXXX. The XXXX still has no record of it and I am still building interest on the full amount of the loan.
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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4300.00}
Product: Debt collection

( There was no category that suits my complaint ) I have attempted to resolve this issue with the company. What happened is as follows. 

I'll contact the company, and when I do, I'm told that there is no debt owed. 
The company will place a Collection on my Credit Report, and then remove it after some months. They will then again report the Collection with a new " Account Open '' date, not allowing the Collection to age, thus not allowing my Score to improve. They have been doing this for nearly three years now. 

This practice has, on several occasions, even once as recently as one week ago, resulted in the denial of credit, and/or poorer credit terms.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a text notification that my card was used. I immediately informed Capital one regarding the issue. Informed them that I have my card in my possession and those transactions was not mine. I was relieved that they were able to close my card and issue a new card. Then XX/XX/XXXX came, I received an email stating that they didnt find any fraudulent transactions since my card is with me and they assumed that it was me who did that transaction. I researched the merchant and it was in XXXX  california which is more than 100 miles where i live. I asked them how can they reach to that decision regarding my dispute only for 3 days. The rep cant give me any answers regarding the process she just told me because the card has a chip so it was valid transactions. I told them that i will not pay for the fraudulent transactions. Asked them about there zero liability and she can not provide me with an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been using my consumer report improperly. They have violated the XXXX. They are reporting a credit card balance from XXXX XXXX and XXXX XXXX. Reporting these balances is harming my reputation. I made Experian aware of the laws stated in the XXXX and told them to remove the balances by sending them a letter XX/XX/2022 via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity theft, unknown person took a car loan/loan for {$20000.00} under my given title XXXX XXXX XXXX Here are the details below : Acc type : Revolving Condition : Open Responsibility : Authorized user Payment status : current Creditor info Bank of America Account age 8months Opened on XX/XX/year>
Product: Credit card

Citi failed to investigate a fraudulent charge in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at Best Buy/Citibank. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX  on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from Citibank on XX/XX/XXXX, reported as fraud and Citibank said they would remove from bureau. Application for new account was removed by Citibank after fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through XXXX XXXX in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XXXX XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted XXXX XXXX. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. 
In XXXX I disputed the XXXX XXXX. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. XXXX XXXX. Which is XXXX XXXX. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX  XXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An address appeared on all 3 of my credit reports ( XXXX, Equifax, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Experian Credit Report # XXXX which is in response to my dispute to four accounts of XXXX XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX that reflect INCORRECT payment history ( I had automatic payments ) and one Collection Account of XXXX XXXX XXXX   that is ERRONEOUS as no monies are due are still reflected on this Credit Report. As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...
Product: Credit reporting, credit repair services, or other personal consumer reports

MADE ARRANGEMENT WITH XXXX XXXX. SEE ATTACHED LETTER TO REPORT ND FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting

I urgently need XXXX to remove a Discover account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to discover who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but XXXX has still not removed. I spoke to XXXX on the phone they told me I needed to reach out to discover in order to have removed quickly, I called discover discover says they need to have a dispute from XXXX in order to remove. Both are waiting in the other and I need those removed immediately. Discover says no dispute has been entered from XXXX. However when I call XXXX, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.