23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated sometimes daily phone calls about repayment of payday loan that is being resolved
Product: Credit reporting or other personal consumer reports

I discovered this company XXXX XXXX XXXX XXXX ) had been reporting multiple negative installment loan accounts on my credit reports when I obtained my credit reports in late XXXX XXXXXXXX XXXX XXXXXXXX, following my denial of favorable auto loan financing in XXXXXXXX XXXX XXXXXXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Product: Checking or savings account

Online banking was taken down for upgrade 14 days ago. It is still not working.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

15 USC 1637 ( b ), 15 USC 1681a ( 2 ) ( 1 ), 15 USC1666 ( b ), 15 USC 6802 reporting late payments without my permission or notification this is causing harm to my livlihood.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$17000.00} Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXXXXXX XXXX, XXXX # XXXX : Balance : {$5500.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Account Name : XXXX XXXX XXXX # XXXX Unauthorized Inquiries XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - Account # XXXX Account Status - CLOSED - Balance Owed- {$8500.00}, XXXX XXXX - Account # XXXX Account Status - Closed - Balance Owed- {$9500.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .
Product: Payday loan, title loan, personal loan, or advance loan

I transfered a balance on my Citi Personal Loan to XXXX XXXX XXXX XXXX confirmed that they paid the loan on XX/XX/24 and that their check was cashed by Citibank on XX/XX/24. I received a letter from Citibank confirming that the loan was paid off. However, the loan continues to show on my online account, and automatic payments have been made to it. At this point, Citi owes me {XXXX for a payment I made against this loan, after it had been transfereed to XXXX XXXX  I would like a refund, and also confirmation that the loan has been paid off. 

Repeated phone calls to Citi have failed to resolve the issue, as no one seems to know how to handle a personal loan. I was given this number to address the complaint, and the call repeatedly fails when I call it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've just obtained a copy of my credit report, which revealed a credit inquiry made by your company that I don't recall permitting. It's my understanding that you are not permitted to place an inquiry on my credit file unless I've explicitly authorized it. 
XXXX, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX and a XXXX XXXX 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have XXXX XXXX XXXX  since XXXX XXXX and I am XXXX XXXX XXXX today, my XXXX  # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from prison.
Product: Debt collection

CAPITAL ONE is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Product: Credit card

Commenity bank has been hard to deal with from the beginning. I bought a laptop from XXXX, and I used to make payments ( more than the minimum ) to XXXX. From XXXX day to another, now community banks appear. There were XXXX instances when I made XXXX payments, and those payments did not go through. However, Commenity never notified me that those payments were unsuccessful until I just kept seeing my statements getting fees. Now, they are charging residual interest. 

In addition to that, I set up automatic payments. However, they never charged my account accordingly.
Product: Credit reporting

Trans union is reporting unpaid medical bills for which were paid via NC XXXX!
Product: Money transfer, virtual currency, or money service

I've had both my XXXX and PayPal accounts for over 10 years. I sold 2 items on XXXX  which were both successful, no issues with either buyer. This was my first time selling anything on XXXX. I received confirmation that the funds were received from the buyers on XXXX and XXXX. My email address ( XXXX ) which was used in the XXXX transaction wasn't associated with my PayPal account. I figured this out through conversations with XXXX  when I wasn't seeing the funds in my PayPal account ( XXXX ). XXXX was very helpful and I have no complaint with them. I followed the steps to add that email address to my PayPal account and was able to see the transactions and pending funds. The funds were still on hold so I waited. On XXXX I received an email from PayPal indicating that I can no longer do business with PayPal and that the funds in my account would be held for 180 days. On XXXX I called PayPal to get more information but through the automated process the response what that my account was limited and they weren't able to help me over the phone. My only option was to reach out through the message center, so I did that same day. I asked for an explanation for why my account was limited. I received a response on XXXX that said " due to the excessive risk involved, we would like to begin parting ways ... ''. This doesn't provide any details as to why this decision was made. I would just like to know what flagged my account as risky so I can clarify anything that occured because nothing about my activity is risky.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and TransUnion has : -Unlawfully reinserted fraudulent accounts that were previously removed without providing the required consumer notification. 
-Failed to remove newly reported fraudulent accounts, despite receiving all required documentation. 
My personal information has been compromised due to multiple data breaches dating back to XXXX. I reported identity theft to TransUnion originally back in XXXX of XXXX. I have contacted them approximately 15 times via phone and mail and provided : -FTC Identity Theft Report -Police Report - Written Fraud Statement -Over 5 hours of phone calls with TransUnion 's fraud department. 
Some fraudulent accounts were deleted, then reinserted without notice, violating FCRA 611 ( a ) ( 5 ) ( B ). TransUnion ignored new fraudulent accounts on my report, violating FCRA 605B, which requires these accounts to be blocked immediately. I have also received threatening scam calls from an individual claiming to have access to my personal data, proving this fraud is ongoing.
Product: Credit reporting or other personal consumer reports

I was victim of identity theft these are not my accounts XXXX XXXX XXXX XX/XX/XXXX amount {$4700.00} XXXX credit card XX/XX/XXXX amount {$450.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX amount {$1000.00} XXXX XXXX XXXX XX/XX/XXXX amount {$440.00} XXXX credit XX/XX/XXXX amount {$19000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX accounts are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Product: Credit card or prepaid card

In XX/XX/XXXX, I reach a credit card settlement with Barclays Bank Delaware. 

This settlement regarded my now closed account # XXXX. The account was in my maiden name, XXXX XXXX XXXX. My married name is XXXX XXXX XXXX. 

I recently inquired about a home loan and was surprised to learn Barclays had not updated my account to show a -XXXX- balance. The previous balance before the settlement was still showing, which is causing a significant lowering of my credit scores. 

Late last month ( XX/XX/XXXX ), I called Barclays Bank to inquire why they were not correctly reporting the status of the account. The duration of my phone call lasted well over an hour. Most of the time was being left on hold, while they transferred me from one department to the next, because no one seemed to want to help me. The conversation ended with Barclays agreeing to remove the account from my credit report, because of their failure to accurately report the account for more than a year. Again, their action caused my credit scores to drop and make me ineligible for a home loan. 

I asked that a letter confirming our conversation be emailed or faxed to me, specifically the part about the removable of the account from my report. Barclays refused stating, their company policy only allowed them to mail it. I was told I would receive it within 7-10 days. When that time passed, I again called Barclays ( XX/XX/XXXX ). Once again, the call lasted more than an hour while they passed me back and forth to individuals and departments who knew nothing about my account and had no interest helping me. Finally, a manager named XXXX got on the phone. He was rude and difficult. I asked for his company ID and he REFUSED to give it out. He said he didnt see a need to do it. 

When I told him what his company had agreed to do in a previous conversation, including the removal of my account, he stated, Thats not going to happen. I reminded him that Barclays failure to accurately report the status of my account for more than a year was harming my credit scores, he didnt answer me. The called then ended.
Product: Credit card or prepaid card

This card account had been closed months now the IRS deposits XXXX on XX/XX/21 they did not send it back or reject it instead they deposited into a closed account!! Money from the federal government they thought they can deposit into the closed account on knowing it was closed! I want my child tax credit like now they had no right to deposit this money on a closed account and just keep my money!
Product: Checking or savings account

The ATM under draft fees seem to have been paid aplenty. When I dont use my ATM Visa card much, Wells Fargo penalizes me for it. I dont think thats fair. When I said something about it. The response was about company policy.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

I had an account managed by Axos Bank N26 card. Their Internal team froze my account, and eventually decided to close my account and send me the balance in my account of {$690.00}. I received the check on XX/XX/2020 in the amount of {$690.00}. On XXXX/XXXX/2020. I went to cash the check, so I endorsed the back of the check, but I noticed the check had gotten liquid spilled on it, so when I went to cash the check it was refused because of the damage. I threw the check away in a local trash can. I then called N26 Axos Bank to let them know I needed a new check re issued. They informed me the check was cashed on XXXX/XXXX/2020, and they also said I endorsed the back the back of the check. I advised them of what happened, as I stated above. N26 Axos Bank refuses to re issue my check. I need assistance on getting the funds sent back to me at my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquiries that I do not recognize. They were informed only on XXXX bureau Consumer Portfolio Services - XXXX
Product: Mortgage

Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 says a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

An unknown person unlawfully and without my permission obtained a credit card using my identity, for a XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX and serviced by Continental Finance Company. Below is a copy from Continental Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reference Number : XXXX Dear XXXX XXXX Congratulations! Your application for the XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX  and serviced by Continental Finance Company has been approved! 

Your XXXX XXXXXXXX credit card will be mailed in XXXX business days. 

Important things to know! 

Keep an eye on your mailbox for your new card to arrive. As soon as you get your card, call the toll-free number to activate it. Please note that your card will not be ready to use until you activate it from one of the phone numbers you provided on your application. For security purposes your credit card must be activated within XXXX  days from account opening. 

Dont forget these great card benefits : Monthly reporting to the XXXX major credit bureaus Use your card at millions of locations worldwide. 
Free online account access XXXX Thank you for choosing the XXXX XXXX credit card. 

Sincerely,
Product: Debt collection

Gateway financials since XX/XX/2024, has not complied with the 15 US code 1681s ( a ) ( b ). the account furnished on my consumer report with all three consumer reporting agencies has been disputed with the appropriate documentation stating, " the transaction acquired I didn't have knowledge of '' plus my I.D . verification and an FTC identity theft report. this company has by law must cease furnishment of this debt information to all consumer reporting agencies until given consent from me or has undeniable information to prove that I received the goods and/or services. this information can not be any information used to furnish the account on my consumer report before the identity theft claim.
Product: Debt collection

Capio is a bottom feeder collection agency that buys debt that was already proven not to be yours & they buy it with hope of bullying you into paying a debt that you do not owe. I was contacted by Capio XXXX XXXX about a hospital bill that I did not owe. The previous company that had this debt XXXX soloution was sent information from both my XXXX XXXX company Primary & Secondary that proves I have no outstanding bills or outstanding co payments. The then sold it to another company because they couldnt collect on it. I wrote a letter to then stating that I dont owe any outstanding hospital bill & they reply that they have close that account & return to client. 

Being the desperate company that Capio is they wrote me another letter XXXX XXXX Stating that I owe another bill for a different amount {$200.00} I then contact both Insurance company again & They contact the hospital that are stating the bill generated from & was proven I owe no hospital bill from the date they are stating. I wrote a reply certified letter after our investigation on XX/XX/2022 I ask the company if I owe them please provide me with the original bill & a breakdown of how they came up the the amount that they are claiming I owe them. Anyone can write a letter with an amount on the company letter head saying that someone owe them but the much provide supporting documentation. The company did not reply to my letter for validation of the debt. What they did was put it on my credit with no proof of me owning the hospital bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XXXX XXXX, 2022/ this does not belong to me