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

Subject : Request for Investigation of Identity Theft on Credit Report Dear [ Credit Bureau ], I am writing to bring to your attention a serious issue that has negatively affected my credit report due to identity theft by a family member who shares my same identity. I am the victim of fraudulent activity that has been perpetrated by XXXX  XXXX who is identical to me and has maliciously used my personal information to open unauthorized accounts. This situation is especially distressing as XXXX  XXXX ] and I have a tumultuous relationship resulting from personal betrayal when she had an XXXX  with my husband at the time. I strongly believe that her actions in committing identity theft against me are a deliberate attempt to cause further harm and damage to my financial well-being. I have taken steps to address this issue by contacting the credit reporting agencies and initiating disputes for the fraudulent accounts on my credit report. However, I urge you to conduct a thorough investigation into this matter to rectify the inaccuracies and remove any unauthorized transactions capital one {$1000.00} consumer adj {$1000.00}
Product: Credit reporting or other personal consumer reports

Transunion violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.
Product: Debt collection

The collection agency has called me numerous times seeking information about someone I dont know. It seems that person owes money, and since they couldn't reach him, they have my number listed as a secondary contact somehow. Despite repeatedly informing them that they have the wrong number and I dont know the person theyre looking for, they continue to call and ask me to transfer the call to him.
Product: Debt collection

American Express reported fraudulently account no. XXXX in XXXX, XXXX, and XXXX XXXX Bureaus as Consumer acct opened on XX/XX/XXXX as charged off bad debt of {$4900.00} & balance updated XXXX XXXX, XXXX. This is not my acct and correct acct no not reported in Credit Report ending in XXXX, amount paid as agreed per mo. has never been reported. American Express refused to remove this fraud acct from my Consumer Credit Report. XXXX, XXXX & XXXX is not accepting my disputes and reduced my FICO from XXXX to XXXX destroyed my credit for seven years. Also AMEX is reporting this same acct # XXXX acct as charged off {$1500.00} as bad debt with balance due {$880.00}. I pay AMEX {$49.00} on the XXXX of each mo. Auto pay from my XXXX XXXX XXXX XXXX under the correct AMEX acct # ending in XXXX that is not reported in Consumer Credit Report. This is not a collection account no. XXXX. 
On XX/XX/XXXX, I received an Email from XXXX XXXX XXXX, XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, MA, XXXX. The letter stated that This communication is from a debt collector. This is an attempt to collect a debt & information obtained will be used for that purpose, file no XXXX creditor American Express # XXXX. '' I did not opened an acct with AMEX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had an unauthorized inquiry and incorrect addresses on my report. I have already tried contacted this company via certified mail ( Tracking # XXXX ) with no response or resolution. 

Unauthorized inquiry : XXXX XX/XX/year> Incorrect Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My correct and only address is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ut. XXXX Regarding Case Number XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my husband and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, Missouri and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We contacted multiple individuals at CapitalOne including but not limited to XXXX emp # XXXX, XXXX emp. # XXXX. They refused to provide their last names and further help with XXXX charges and closed my case and refused to help us any further.
Product: Checking or savings account

I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number XXXX for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Debt collection

I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).
Product: Credit reporting

An entry was deleted by my TransunionXXXX and XXXX credit reports. The account was held by XXXX XXXX XXXX XXXX XXXX this debt was originally with XXXX XXXX and removed it then has been sold to XXXX it was removed and has now reappeared. I wrote to Transunion and XXXX about this collection and no response and nothing has been done. It seems very unfair that a debt can be removed and reappear reaged, and also with another company to disguise it.
Product: Checking or savings account

Hello, I previously disputed a charge for {$2700.00} with Bank Of America made on to because the service was not provided as agreed by XXXX XXXXXXXX XXXX  I was recently notified that the dispute was resolved in favor of the merchant, but I strongly disagree with this outcome. The merchant failed to deliver what was promised, and I have supporting documentation proving this. I would like to reopen the dispute and escalate this case for further review. 

Claim number # XXXX XXXX XXXX The merchant has not responded to my requests for a refund a thats correct after they reversed it. 
I was misled and scammed, and I can provide evidence that the service was not as described. 


XXXX already took days to send in or communicate with what I asked and then a death happened apparently. 
She threw something together which looked terrible as a test site and I asked for a refund not wanting to proceed with her building the actually site and she took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

CHARGE OFF XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did not investigate my inquries dispute and took more than 30 days and did not responed at all they sent me genertic stall letter and refused to investtigate my inquries dispute they did not respond to my dispute at all even thou i sent my drivers liscense and ssn card with my dispute. they are refusing to investagate my inquries dispute and did not responed to it in 30 days
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the following unauthorized inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the FAIR CREDIT REPORTING ( FCRA ). I am requesting immediate removal of these fraudulently inquiries from my credit reports.
Product: Checking or savings account

Chase XXXX XXXX, Well, I have reached out to XXXX 3 times in the last 10 days, left messages with no response, not to professional. 

Your Bank JP Morgan Chase is an accomplice to harboring a Fraudulent Crime against me ( XXXX XXXX Routing # XXXX / Account # XXXX ) in the amount of {$5400.00} ( in which you have all the documents to prove my case as well as i have voice messages from your XXXX Offices Personal to back my case that I was Scammed and Scammed good ). 

So, I have requested a refund back to me XXXX XXXX XXXX Enterprises be sent to me at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again no response. 

I have contacted the XXXX Police Dept and provided you a Police Report XXXX XXXXXXXX as well as XXXX has spoken with the XXXX XXXX XXXX and confirmed with him that JP Chase Morgan Bank will cooperate to get me my money back. 

I have requested as I have been informed by XXXX personnel in your XXXX Offices that I need to fill out the XXXX party Consent form to move forward with the XXXX Police XXXX, I have requested XXXX times I have left a message, no response no form has been sent to me at XXXX again you are delaying the process to get me my money back. 

You have all the requests and information to end this XXXX case but you rather prefer to XXXX XXXX XXXX that did this to me and possible doing it to others, and that not good XXXX  if this info gets out to the XXXX XXXX.
Product: Debt collection

I opened CFPB case XXXX where Optimum Outcomes took longer than 30 days and did not provide adequate information to verify the debt. I didn't receive an original bill that would prove the debt ( with information such as the company logo, company address, description of services performed, cost of each service, etc ). This took longer than 30 days and is now past 60 days, and they have not provided any bill or anything that provides real evidence of this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent letters to all 3 credit reporting agencies due to appearances on my credit that I believe are results of fraud/theft. They have not reached out to me stating they are not able to pull such things off of my credit and have not responded with a reason of why its not been resolved yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Has stated before I suspect fraudulent Inquires on my Equifax Credit report. 
Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.
Product: Credit card or prepaid card

My XXXX payments are loaded on to a XXXX XXXX debit card managed y Coamerica Bank. On XX/XX/XXXX i was notified of a transaction in the sum of {$900.00} made at XXXX XXXX XXXX in XXXX XXXX NY. I called immediately on XX/XX/XXXX to report this fraudulent transaction as i live in XXXX  ny and have never even been in XXXX XXXX NY ( near XXXX XXXX XXXX ). They told me that they could not open a dispute until the transaction cleared. I called the following day at which time the transaction had processed and I could file a dispute, dispute number XXXX. I cancelled my card and they issued a new card via XXXX  for a charge of XXXX, They also said i needed to complete a fraud questionnaire which i promptly completed on XX/XX/XXXX and sent back to them by fax on XX/XX/XXXX and mailed by usps certified mail return receipt. They said on XX/XX/XXXX they fad not received my fax and i sent it to them again on XX/XX/XXXX. I called customer service and i seem to get the runaround. This was a totally fraudulent transaction. 
I am looking for a provisional credit. This my social security XXXX money and this is how i live and pay my bills. Please help.
Product: Payday loan, title loan, or personal loan

I took out a personal loan on XX/XX/2018. Since this time, I have been paying more than my minimum payment. My minimum payment is {$760.00}. I paid {$800.00} all but twice. This allowed me to get ahead and have a lower payment the following month. I only took advantage of this twice, once where I paid {$65.00} less than the total and the other {$15.00} less than the total. This past month I noticed when I paid that it was the full amount. Nowhere did it say that a lower amount was possible. I just had XXXX XXXX XXXX and I was planning on paying less in XX/XX/XXXX, based on some of the bills I figured would be coming my way after XXXX. I called and was passed from one person to a supervisor named XXXX. She said that they had changed things so you could not pay ahead. This change occurred in late XX/XX/XXXX or XX/XX/XXXX. No notice was sent out, they just went ahead and made the change. And according to XXXX, there is nothing I can do about it. So I have been paying extra knowing that I had this upcoming XXXX and I might need a break. But this company decided to change the rules without letting anyone know. I am not sure how they are allowed to do this. I think this is unfair and right now if anyone asked I would definitely not recommend this company.
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from Monterey Collections account number : XXXX. 
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they maXXXX claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Product: Checking or savings account

Hello Team, I opened an online checking account with BB & T on XX/XX/XXXX and deposited online {$50.00} as account opening initial funding. 

After 2 days I transferred {$50.00} and {$200.00} from my XXXX Account to newly opened BBT account. 
These transfers did not go through after 3-4 days and I saw those as reversed in my chase account. 
After this I tried to call the customer care but could not reach them due to certain tool related validations. 

I tried calling XXXX XXXX Branch banker XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and spoke to her about the issue. 
she was able to validate and told me that my account is blocked and I should visit nearest branch to verify my identity. 
I visited the branch and showed provided my id details. 
I spoke to Branch Banker XXXX XXXX at XXXX XXXX BBT XXXX. 

She verified my details and asked me to connect back after 2-3 days. 
Today XX/XX/XXXX i visited the branch and spoke to them again. She verified and told me that fraud prevention team does not want to un block my account as my license belongs to XXXX  and residential address is of XXXX XXXX. I gave her all my documents to verify but it is little weird why the bank wont open account just because my DL is out of state. 

I want help here to ensure my account is opened and need a answer from bank on what basis they have rejected my account even after providing all proofs that were asked. 


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

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been harassed by a gentleman calling me up to 3 times a day. The bill that he is calling about is not mine. I am listed as an emergency contact. Last conversation I was repeatedly badgered from a block number. I was called a clown and my livelihood was questioned.
Product: Credit card or prepaid card

I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 200 Inquiry on my credit report with XXXX, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form XXXX stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with XXXX.