23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2023, I logged in to THE HOME DEPOT services account to make a payment on my bill. I authorized a payment of {$250.00} on their website. At approx. XXXX XXXX  today ( Central Time ), I was checking my emails and found a message from Home Depot at XXXX XXXX  which indicated {$6100.00} had been submitted for withdrawal from my account by EFT. I did not authorize that amount. I have a XXXX XXXX and can not constantly check my email and was quite surprised this had occurred. When I found out, my bank had closed in-office banking hours and unable to stop the payment. I called Home Depot services # on the back of my credit card and the lady tried to help but because it was after their business hours in New York and I was out of luck. The withdrawal is scheduled for tomorrow XXXX  and these transactions usually show up in my account around XXXX XXXX  ( CT ) -- before my bank XXXX XXXX Bank ( routing # XXXX ) opens.
Product: Credit reporting or other personal consumer reports

The account for JP MorganChase Bank ( credit card ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, XXXX & XXXX . 
Please see attached document showing paid to JP MorganChase Bank on XX/XX/2023 in the amount of {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX  Debt holder XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) 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.

I am filing this FTC Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a Credit Card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent Debt Claim by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/2022. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX and I believe this claim is a result of XXXX XXXXXXXX 's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of XXXX XXXX XXXX violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX XXXX violates this requirement. 

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX XXXX constitutes a breach of this statute. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. 

Thank you for your prompt attention to this matter.
Product: Prepaid card

I received a prepaid card from a rebate I received {$36.00}. I misplaced the card and recently found it but noticed it had expired ( XX/XX/XXXX ). I tried to check the funds by checking online through their website ( https : //myprepaidcenter.com/login/card ) but since the card was expired it did not allow me to see any details. I called the number on the back of the card to inquire about the funds ( XX/XX/XXXX ) since their FAQ said " Review the terms and conditions for the card to verify if replacements are available after the expiration date listed on the card. These terms can be found on the website once you've logged into your profile. '' I can not login because the card is expired ; therefore, the terms of the card are not available to me. When I reached a representative, they check the funds and said the card had not been used. I asked for it to be replaced even if it cost me a fee and the representative said that unfortunately the funds could not be recouped. I asked the representative what happened to the funds in this case and they were not able to provide an answer. If the funds remain on the card I do not understand why they can't provide a replacement or issue a check.
Product: Credit reporting or other personal consumer reports

I have an account opened on my credit report that does not belong to me and is being reported as negative on Equifax, XXXX and XXXX. 

The account is as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX The account has been closed as of now, but it was never opened by me. 

I have tried to ask Equifax, XXXX and XXXX to remove it from my Credit Report as it's affecting my credit history negatively. I have sent them XXXX letters asking them to remove the negative information from my Credit Reports. There is a completely illegitimate address also associated with that account, which furthermore shows I have not opened this account and the Creditor has not provided any proof of the card application or anything with my signature.
Product: Vehicle loan or lease

On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself. 

I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem. 

I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified several billing errors. The listed late payments are not consistent with my regular payment record. Please rectify these mistakes and update my account. Thank you.
Product: Student loan

In XX/XX/2017, I was contacted by a representative working with XXXX XXXX who mentioned that they would help me pay back my student loan setting up IDR plan with the XXXX of their financing company Equitable Acceptance. They stated that they will consolidate the loan amounts, and the plan would allow me to pay one amount towards the loan. During this time, i had gone back and forth numerous time with hours and hours of call time in understanding how they would help me in paying back my loan. After multiple explanations and scenarios, the rep stated that he will have a partial amount to go towards my loan repayment and the other half would go towards the equitable acceptance company as a service fee. They also debited a few XXXX dollars as a down payment for the services to get started with them which I also paid. 1 year later, today, after numerous attempts to reach a rep over at the equitable, finally a Case worker called and started telling me that the amount agreed a year back was going towards the service only, and not towards repayment of my student loan. Technically, last year, 12 months of payments that Equitable received from me was in their pockets and not towards my student loans as promised. They even have the recording of the rep confirming that X amount is going towards student loan and X amount is going towards the service fee. In other words, the partial X amount of money that I was promised that would be going towards my loan is not reflected on my total loan at all, instead they placed me in delinquent status. Consequently, due to the fraudulent and shady tricks of Equitable and XXXX XXXX, my credit is at risk, my hard earned money is gone and interest on my student loan amount is accruing every day. The rep at Equitable is not willing to cancel the service or refund the amount even after explaining the whole thing to them. Instead he is telling me that contract was made and it was signed by the consumer, therefore I have to pay the full service fee. On top of that, my loan amount -- - they have nothing to do with it. This new rep clearly mentioned that they DO NOT help in repayment of loan, then why was the previous representative saying otherwise? ( the call recording confirms that previous rep will be deducting X amount of money to go towards loan as a part of the service fee ). Also, the contract was electronically signed by the Rep over at XXXX and equitable acceptance, I did not sign it physically. Equitable is tricking thousands of students like this, playing mind games and manipulating their words and not explaining clearly is just frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make an ATM withdrawal from XXXX on XXXX XXXX and was told I have insufficient funds the amount was for XXXX along with the {$2.00} that Payfare charges this all came off the card. It is XX/XX/XXXX and I have only been given the runarounds and going back and forth with this company about my money. I have filed a complaint only for it to be closed out. Payfare says i withdrew money from an atm XXXX XXXX XXXX which is incorrect. This company has failed to provide original documentation of ATM statements including statements from the alleged ATM they say I withdrawed from. This company has given me run around since the XXXX of XXXX, after 30 days of me complaining to them I had employee at XXXX direct/Payfare tell me that the refund is being processed and it would take up to 60 days but give it 30 days and this is all on recorded phone call. I called to follow up on the refund status because I was told from an employee that it would be ready in 30 to 60 days. I suggest look into voice calls as well with this company I have called over 15 times to resolve this matter and been hung up, employees will not let me talk they talk over me right before they hang up so it's just been all downhill for this company. I have done everything I was supposed to do from the start on XXXX the XXXX and have got nothing in return. However the company return an altered email that was not from the official bank statement or ATM statement of the ATM. They sent me a chart that looks like it had been typed in and highlighted which is not the official paperwork for transactions on ATM statements.
Product: Checking or savings account

Last Month I got a called from my bank saying there fraud activity, I looked up the phone number and it came up as a chase number and that I needed to send money in order to fix this. They made me send XXXX dollars. I tried disputing the problem with chase and they have done nothing to help me.
Product: Credit reporting or other personal consumer reports

I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXX Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages
Product: Credit reporting or other personal consumer reports

Barclays Bank Delaware is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.
Product: Student loan

A company called Mohela sent a letter requesting that I give them a little over {$300.00} a month, apparently indefinitely? I have no history with this company, they sent no validation or chain of custody, and when I looked them up, it turns out they're being sued for fraudulently trying to collect student debt at increased rates. This makes sense, given that my XXXX  repayment plan is only {$70.00} a month.
Product: Credit reporting or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.
Product: Debt collection

I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were done fraudulently and unauthorized without consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a dispute letter on XX/XX/2022 regarding inaccurate and incomplete information being reported for my XXXX XXXX  Auto Installment Account and XXXX XXXX XXXX XXXX # XXXX. I circled all the months that are incomplete for the XXXX XXXX Account. See attached. For XXXX XXXX, there are 12 months that are reporting that I paid {$0.00}, which is entirely incorrect. TransUnion sent me dispute results but it is unclear whether or not they updated the disputed payment history. When I tried requesting my free annual report, it directed me to an online version of my credit report which makes it difficult to determine whether or not they updated the disputed information. I also need to know if all my Fraud Alerts are removed because I have been attempting to remove them!
Product: Mortgage

On XX/XX/2020 I received a Letter from Arvest Central Mortgage Co, part of Arvest Bank. The letter states that my property is in Flood Zone A, and that I will need to provide Flood Insurance information or it will be provided for me and charged directly to my Escrow account. Arvest states that If I do not agree that my property is located in a Special Flood Hazard Area to contact NFIP at www.fema.gov to get a Letter of Map Amendment. The problem is, FEMA has my zone as Flood Zone X, and therefore no Amendment will be provided. 

Arvest has erroneously assigned the wrong flood zone, and is putting the burden of resolving onto me, rather than using easy publicly available tools to confirm their own error. 

Both FEMA and my local County websites provide the Flood Information for my property as Zone X.

I feel this is a tactic to scare home owners into purchasing insurance serviced through their escrow account, as more money in the escrow account makes money for Arvest Bank. This is my 4th year and 4th Mortgage company, this is the only one that messed up the flood zone.
Product: Credit reporting or other personal consumer reports

To : Experian I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT account on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent. 
ACCOUNT be deleted from my credit report immediately. 
Please remove the following fraudulent account from my credit report : ACCOUNTS : XXXXXXXX XXXX account ( XXXX ),
Product: Debt collection

I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.
Product: Debt collection

I have worked for a local government over ten years and have made 120 qualifying payments towards my student loans. 

My application is being unfairly denied because my loans were consolidated under duress by Sallie Mae in 2005. 

Sallie Mae has since sold my loans to Navient, and neither they, nor the U.S Department of Education will forgive these loans even though I meet all of the criteria for the program. 

The next step without resolution will be to make a federal case here on behalf of fellow plaintiffs in a similar position in a Class Action lawsuit brought against the federal government.