23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not consent, nor benefited from, or authorized any of the following accounts. 
1. XXXX XXXX XXXX Account # XXXX - {$2500.00} 2. XXXX XXXX  Account # XXXX - {$640.00} 3. XXXX XXXX- Account XXXX XXXX - {$84.00} 4. XXXX XXXX Account # XXXX
Product: Credit card

My Wells Fargo credit card has a spending limit of {$500.00} I recieced notice that my account is in the negative by {$750.00} making my total due XXXX I don't understand how my bull came out to be som much I have not used my card in a year and now I am getting threatened with collections. It is impossible for me to spend more than my allowed credit amd believe that I am being targeted by Wells Fargo
Product: Debt collection

I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts on my credit report and request that they be blocked pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified American Express These accounts were opened without my knowledge or consent and are the result of identity theft. 

I have attached a copy of my identity theft report and Drivers license Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked from my credit report as required by 15 U.S.C. 1681c-2. Please complete this request within the required timeframe of four business days, and confirm in writing once the information has been removed. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Capital One Attn : Dispute XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Capital One Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Overview : I paid XXXX XXXX XXXX XXXX XXXX  to design a company website for my company XXXX XXXX XXXX. Payments dates and amounts are below : XX/XX/2022 {$400.00} XX/XX/2022 {$3900.00} XX/XX/2022 {$90.00} I visited the company website ( XXXX XXXX XXXX ) on XX/XX/XXXX and learned I was over charged by the agent for the services requested. I sent an email ( attachment XXXX ) on XX/XX/XXXX requesting cancelation and a refund. After several call and emails with the agent I filed a complaint with Capital One on XX/XX/2022. The funds were refunded to my account and Capital One requested and received a written response. I found out after the funds were again taken out of my account on XX/XX/XXXX Capital one didnot receive my written dispute. I sent additional letters ( attachment XXXX and XXXX ) to Capital One and has gotten a response the cases are closed. 

I have called and emailed the agent and the company settle the issue without a favorable response. 

XXXX XXXX  Agent : XXXX XXXX Senior Brand Consultant ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XX/XX/XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XX/XX/XXXXXXXX XXXX   Dba XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : iInquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXi : Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date :  XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX  XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with XXXX After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of 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 not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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.

I this inaccurate account deleted from my credit file!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint against Equifax for failing to adhere to the Fair Credit Reporting Act ( FCRA ) requirements, specifically regarding the accuracy of information and timely investigation of disputes, as outlined in 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

I have attempted to address inaccuracies directly with Equifax but have not received a satisfactory resolution. The following inaccurate items remain on my credit report despite my efforts to correct them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. In this case, Equifax has failed to meet this standard by maintaining inaccurate information on my report. Furthermore, according to FCRA 1681i ( a ), I am entitled to a timely investigation of disputed items, which has not been effectively provided by Equifax.

I request that the CFPB intervene and assist in enforcing the FCRA requirements, ensuring that Equifax either verifies the accuracy of the disputed items or removes them as appropriate. I have attached supporting documentation, including my correspondence with Equifax and a copy of my credit report highlighting the disputed items.

Thank you for your attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I sent a letter via XXXX XXXX on or about XX/XX/ to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX  XXXX This was a request to open a dispute for a transaction with XXXX  made onXX/XX/2023 in the amount of {$140.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit card or prepaid card

I received the Apple Titanium card some months ago. However, retailers would not take a metal card with no account information on it. I kept it in my wallet, I don't recall ever using the card. 

Approximately 5 weeks ago I was robbed at XXXX in XXXX XXXX XXXX The forced me to turn over XXXX, XXXX and wallet. They also forced me at XXXX  to tell them the passwords for the electronics. They created XXXX, charging things on every credit card, using XXXX to pull over {$1000.00} from my checking account, ultimately even getting into my XXXX checking account and changing the logon and password. My other credit cards- 2 XXXX, XXXX debits ( XXXX and XXXX XXXX, XXXX XXXX XXXX credit card- all cancelled the cards and reissued new cards. 

Apple Card chose to cancel my card, negatively impacting my credit score. They claim that there are {$2500.00} charges on the card. Since they have closed the card it no longer appears on my phone and I can't see what the charges were, nor for what they purchased. 

I have called twice to ask for a copy of the statement on the account and to ask that the account be reopened and a new card be issued. At the end of each call I was assured that a manager would call me to discuss the situation. Still no call from anyone.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there was some things not correct. I sent a letter to Transunion on XXXX XXXX XXXX here is my tracking number XXXX. But it has been more than 35 days since the credit bureaus have not responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as proved in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at the consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, 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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account XXXX XXXX XXXX, for the amount of {$520.00} 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

After pay has violated my Federally Protected rights I under the FDCPA. After pay is collecting on an alleged debt that is not I am responsible nor obligated for pursuant to 15 U.S.C. 1692a-3
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SER add a hard inquiriy on my credit report per Equifax. No contact information has been reported by this creditor.
Product: Checking or savings account

On XX/XX/2023, at roughly XXXX XXXX, I attempted to use my PayPal debit card at an ATM and was denied due to " unauthorized access ''. When I checked my PayPal checking account, I found that it had been " permanently limited '', allegedly due to some breach of the Acceptable Use Policy, the likes of which I am completely unaware of. Attempting to contact PayPal 's resolution center and speaking with their agents yielded no results -- they could and would not inform me as to the specifics behind PayPal 's XXXX team 's decision to place my account in permanent limbo. That account is literally my lifeblood, financially. It is where my payrolls are direct deposited to and I have bills that automatically draft from the account. I can not even access the funds that are in the account, money that I worked for, mind you, to transfer it to another account ; I have to wait for 180 days. I did not even get a heads-up that this was even happening. I literally woke up today thinking all was well and had I not attempted to make the withdrawal, I would likely not even know about my PayPal account 's status until I got a letter or a call asking why a payment hadn't gone through or my Internet or mobile phone service got shut off after I'm thinking it's being paid. PayPal did not follow best practices with regard to communication at all.
Product: Student loan

I requested income based repayment. I received a subsequent notice that my account was in deferment until XX/XX/XXXX16. Then on or about XXXX/XXXX/16, I received a notice that my payment of around {$460.00} was due on XXXX/XXXX/16. On XXXX/XXXX/16, I faxed a letter to Navient asking why the payment date changed, I received no notice and they did not consider my {$100.00} on another Navient managed loan or my exceptional health expenses. 

I received multiple responses from Navient indicated that they would respond within 10 days. I did not receive a response within 10 days. Rather on XXXX/XXXX/16, I received a notice that my payment was late and they were providing my notice of potential default. 

Essentially, Navient is disregarding my efforts to make payment arrangements, however they right on " the ball '' when it comes to ruining my credit. To make matters worse, they do not provide an email. The only way to communicate with them is to either fax them or call them. As an attorney, I avoid verbal communication at all cost because it always results in a he-said she-said.Of course they record it and use when it helps them, but when it does n't, they will deny the conversation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 all iinquiries listed above has been made without my knowledge or consent and is identity theft/fraud and all these needs to be removed immediately. i have reached out to each and merchant to to provide them with the requested documents and nothing has been removed in which was promised due to fraud.
Product: Debt collection

XXXX forwarded my information to this collector. I am a XXXX XXXX. I never received invoices. This collector started to contact my elderly parents who are not even associated with this issue. When asked to stop contacting he refuses.
Product: Debt collection

I have no knowledge of this account and have requested debt validation I have no contract with this company and I have been paying XXXX dollars a month for 5 years for something I have no knowledge of please help I believe it is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive notified XXXX via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. 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 XXXX ; 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. ) Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.