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

I have been in contact with Experian and XXXX many times about identity theft and have provided them with police report and ftc report stating the identity theft and they refuse to remove accounts and when I ask them why they keep saying they verified it and tell me the reason is internal information and the representatives are very rude on Experian there are two accounts reporting that are not mine XXXX XXXX and XXXX and on XXXX XXXX accounts reporting i would like these accounts removed and any other fraudulent accounts that are reporting ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).
Product: Debt collection

" Enhanced Recovery Company '', a debt collection company, placed a collection notice on my XXXX XXXX credit rep

ort WITHOUT any letter or other notification advising me of that alleged debt. I am under the impression that all collection companies are required to FIRST send a letter giving the respondent 30 days to dispute the debt. This Company did NOT do this. I NEVER knew about this collection until it appeared on my credit report.
Product: Student loan

Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.
Product: Checking or savings account

XXXX and phone device stolen XXXX XXXX XXXX As soon as I realized I went to Chase Bank to report and shut down cards. Bank teller told me to return to home and do it on computer. I did. They sent verification code to my phone. Which as stated was also stolen.I collected my passport and returned to the second time to the bank. My wallet was stolen approximately at XXXX in the afternoon. I went to the bank sometime XXXXXXXX XXXX and then again around XXXXXXXX XXXX.. on my second visit to Chase Bank. I was told to sit in the room and someone would be with me. They got me on the phone and I was on the phone for over an hour. I was trying to shut down all credit cards and received very little help for my branch bankerand during this time XXXX purchases were made while I was in the bank.. They did return the first purchase from XXXX in the approximate amount of XXXXXXXX XXXX  and and for a day they returned the XXXX but immediately withdrew it again They were very unhelpful because I could not provide XXXX forms of identification. Immediately, after this, I went to the XXXX XXXX XXXX store I was a successful in turning off my phone later that evening and purchasing a new phone. In the meantime, I had family members who were tracking my phone while I was in the bank and they saw my phone traveling north of me XXXX to XXXX miles away. We have screenshots of my phone traveling while I was inside of the Chase Bank and I should be on video surveillance on the afternoon of XX/XX/XXXX on XXXX separate occasions. after this I filed a police report and I realized very quickly that my debit card and the money in my debit card had been used at an XXXX XXXX in the amount of {$5400.00}. I went back to Chase Bank several times and started talking to the fraud department about this case I was successful in obtaining a copy of my bank statement and it is very clear that a pen number PIN number was not used in this transaction. I am unable to get a copy of the receipt from XXXX because I dont have a code of the transaction and the bank is unwilling to help me. I started this Fraudulent investigation immediately the day my wallet was stolen and continue to follow up with them to no avail to this day.
Product: Debt collection

I just revived a notice about a debt and I asked if I could question the debt and was told no you have to pay it. I dont believe this is a real debt and they just keep saying its from XXXX apartments but I have received nothing from them.
Product: Payday loan, title loan, personal loan, or advance loan

I saw that Moneylion was offering a {$700.00} loan. Or so I thought. It turns out it was something called a " Credit Builder Loan. '' I had no idea what I was opening until after it was too late and now they have sent me to collections for money I have never received! 
Initially, they gave me {$100.00} on XX/XX/year>2024 which they gave me through my XXXX account and I paid back {$130.00} on XX/XX/year>2024 to cover that amount. They say it was never given into XXXX, but given into another account, which is not true or correct. 
It turns out the other {$700.00} went into a Credit Reserve account for me to make monthly payments of {$84.00} on for several months until it and the interest ( which was not disclosed at the beginning ) was paid off. Once paid off... I would then receive the loan in it's entirety. I am on a fixed income and did not want or need this type of loan. Which I explained to them several times. But got nowhere. I made XXXX payment of {$84.00} on XX/XX/scrub> 2024. I continued to call them begging them to call off and cancel the loan as I had already paid them more than I had borrowed. But they would refuse. Now I find that they have added {$850.00} to my credit report as being a past due amount on this Credit Builder Loan. I have not borrowed nor ever touched that money! So I have no idea how they can say I owe it back to them. I am completely frustrated and appalled that this company would take such fraudulent actions against a person. 
Please help me in righting this wrong. I have tried to dispute this on my credit report and am not sure I've gotten anywhere. I desperately need help. Thank you!
Product: Checking or savings account

I have had a simple savings account with Capital one bank for 2 years. I have had {$170.00} deposited in the account. I get the account summary every quarter from the back. I got a letter 2nd Week of XXXX  ' 18 that my account was closed. I was surprised to know that, and I called the bank 's customer service. Customer Service representative said that my account in " abandoned '' and the money was sent to unclaimed funds to the state. XXXX XXXX  did not try to contact me via phone, email or letter about the activity in my account. All I received was one letter saying that my account was closed and funds were submitted to a " State ''. The Customer Service was not able to provide anymore information on how would I go about retrieving my funds back from a " State ''. There was no letter explaining what would be my next steps or what would be the burden of proof to retrieve funds, and how long would it take. This is NOT how a bank is supposed to function. Are our regulations as such that a citizen can not keep funds in a bank for extended period of time without any activity? And isn't the Bank supposed to contact the customer before taking any actions on their accounts?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account XXXX year XXXX  month Dear, XXXX XXXX am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

N accordance with the Fair Credit reporting Act Account 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal put a rolling reserve on not one but three of my accounts and I no longer can log into my account nor have they paid me could you please look into this farther.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}
Product: Credit card or prepaid card

XXXX  XXXX Credit Card XXXX Comenity Bank I paid off my balance on XXXX of {$830.00} Two days later they charge me a late fee and then continued to do so up to XXXX with the " transaction '' being called an interest charge on purchases. I have not used the card at all since I paid off the balance. 
I also requested the card be canceled the day I paid the balance. They gave me a number that wasn't answered until today and instead of canceling the card they froze it even after repeatedly asking to cancel the card completely. I have a balance of {$120.00} now that I did not create myself because of " late fees '' and " transaction fees '', which again I have NOT used their card since the initial balance was paid. They have made it extremely difficult to communicate with them and I strongly believe they are doing it on purpose so that more fees can pile up
Product: Credit reporting, credit repair services, or other personal consumer reports

I taken personal loan XXXX back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXXXXXX XXXX ... Kindly resolve this issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Act XXXX Account # XXXX h

as 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 n
ot furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/
Product: Credit reporting or other personal consumer reports

Have spoken with an attorney, and I HAVE NOT been convicted of said offense NOR have I had a court date to appear to answer or enter a plea
Product: Credit reporting or other personal consumer reports

I filed a credit dispute with Equifax on a debt that was invalid and included in my bankruptcy. I provided documents showing bankruptcy and information from the credit furnisher that the debt was included in bankruptcy and they said the debt would be removed. Equifax claim they did a property investigation in accordance with the law but the outcome proves they failed to do a proper investigation and did not verify that the debt was valid. They have continue to report false information for their own financial gain.
Product: Credit card

I am writing to dispute a billing error related to my account with SYNCB/Care Credit, Account XXXX : XXXX. This dispute is made under the provisions of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. I believe that a significant error has occurred in the handling of my account by SYNCB/Care Credit, as described below : Despite the account being officially closed, SYNCB/Care Credit continues to threaten to report late payments on this account. To make matters more confusing, I have not received any billing statements to confirm the status of the account. My concerns regarding these discrepancies were raised during verbal communication with representatives from SYNCB, where it was indicated that late payments will still be reported, even though I have not received any billing statements or invoices to clarify the account 's status.

I would like to request a thorough investigation into this matter, as well as the appropriate resolution as mandated by the FCBA. Furthermore, I kindly request SYNCB/Care Credit to provide the necessary documentary evidence and clarification to address these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve XXXX. I have asked to send me copies of documentations to show that these depts belong to me but have not received any. I have sent information that I person by the name of XXXX XXXX XXXX is using my social security number. Below are the accounts that need to be removed. 

XXXX XXXX {$75.00}, XXXX XXXX XXXX {$280.00}, XXXX XXXX {$970.00} XXXX XXXX {$1500.00}, XXXX XXXX XXXX {$5700.00}, XXXX XXXX {$1000.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name and number of Closed accounts that needs to be removed.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed letter to each one of these companies requesting that these accounts be closed and removed from my credit report. No actions have been taken, now I am requesting again that these accounts be removed from my credit report due to identity theft. 

Possible Financial Account Number : XXXX Balance Owed : {$170.00} XXXX XXXXXXXX XXXX Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$42000.00} XXXX XXXX Account Number : XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$200.00} XXXX XXXX Account Number : XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Owed : {$84.00}
Product: Credit card

CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.
Product: Bank account or service

A few weeks ago, I logged onto my credit card account to pay off a {$1100.00} balance from a large purchase. I alternate paying my credit card with my XXXX checking accounts at XXXX different banks, one of which is Wells Fargo. At this instance, I meant to use the other checking account but mistakenly clicked on the Wells Fargo that did n't have any money in it. That is when all XXXX broke loose. 

As the credit card issuer made multiple pulls at an empty account ( I did n't know they could do that ), Wells Fargo charged multiple {$35.00} NSF fee. They continued to charge and charge and the amount went to over {$100.00}. 

What 's more, I am an American that spends most of my time XXXX. For Wells Fargo, that means I virtually am always locked out of my online banking due to 'security reasons ' and therefore can never have a great idea of my balance unless I make a costly international call to their customer service. 

Despite my best efforts, Wells Fargo only refunded a tiny amount. 

Despite this being a result of a mistake, Wells Fargo preyed on me, a very long-time customer, as they probably do to many others. My family and I, who have linked accounts, have been customers for decades and I feel cheated that this would happen. What with the huge scandal about fraudulent accounts as well as my personal struggles with them, Wells Fargo is definitely no longer a bank you can trust - if you ever could.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXt Number : XXXX