23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America visa card On XX/XX/XXXX I closed credit card. I'm a senior citizen and was a victim of social security gift card scam. I was called on my cell where the number for SSA appeared. I answered the call and was told my SS # had been used in criminal activity. To protect my money in bank I was to purchase the gift cards, scratch them, take photo and send by email to : XXXX, where my money would be protected until they would issue a new number. In this bank the amount is {$5500.00} in gift cards. {$5000.00} XXXX XXXX cards & {$500.00} XXXX XXXX cards. 

I asked the bank in letter written to them on XX/XX/XXXX to help me and give me credit for the scam charges and sent them all documentation from OIG.SSA.GOV, pages from SS scam, copies of gift cards. 

The bank response letter dated XX/XX/XXXX stated they completed investigation and charges would remain on my statement. They wanted credits from the stores to be mailed to them. I did contact the presidents of both XXXX XXXX and XXXX XXXX by letter, certified mail RRR. NO ANSWER to me to date. 

I need help from CFPB in resolving this issue. I'm a senior living of monthly social security checks. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, Equifax, and XXXX in regards to my complaints outlined in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

Account Name : XXXX XXXXXXXX Account number:XXXX  Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX XXXX Account number:XXXX Inaccuracy Report Date : XXXX Charge off/collection. 

Account Name : XXXX  XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment/ Charge off. 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Product: Debt collection

My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on XXXX of my credit reports through XXXX XXXX stating that I " opened up a credit account through XXXX '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an XXXX, i have been dealing with Identity Theft since the beginning of XXXX due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my XXXX XXXX to where I want it to be, and that 's at a excellent level
Product: Credit reporting, credit repair services, or other personal consumer reports

a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I notice something funny in my bank account usually my payment was supposed to be XXXX a month threw XXXX XXXX  on XXXX XXXX  in XXXX calif. My payment was going smoothly when all of a sudden I saw synchrony bank went into my bank account and started to take XXXX then XXXX then XXXX then XXXX I called my bank and got them on the phone and told them I will pay them but to not go and take out what you feel like taking I did not give you permission so my bank reported fraud I had my debit card in my possession. On XXXX XXXX I was under stress synchrony bank they keep calling me every day when on XXXX I told them I will pay them what happened I got so stressed out On XXXX I blank out 1 minute from the store my purse got stollen I made a police report the police helped me all of my money was gone on XXXX I got my purse in the mail the XXXX police found it I was in tears but happy tears not only this happened the XXXX  got to me helping my XXXX mom I did not need these creditors to call me harassing me I told them what happened but they still called me and harrased me on my phone I told them quiet nothing me I am waiting for my new debit cards to come in it takes 5 to 10 days. I can not pay now all of my money is gone. But I told them on XX/XX/XXXX I will give them something. What I am here today on credit wise I keep getting alerts that the synchrony bank keep taking my points every day I was up at XXXX points all of a sudden When my purse got stollen with all of my money I am down to XXXX points this is a big jump thats fraud they can not keep taking my points away If I dont have my money I keep telling them my purse got stollen. I made payment arrangements and they still called me and harassed me 2 yrs ago I lost my father taking care of a XXXX mother the best way I can I havent greaf over my father passing I am having it hard I am stressed out where my bank help me and the police dept I want to make a fraud report they dont have the rights to take what ever money in my bank my contract says I only pay XXXX a month sometimes I pay XXXX a month
Product: Debt collection

I pulled my credit report and I saw several accounts I did not recognize, I have tried to fix this but know one has fixed it.
Product: Checking or savings account

In XXXX of 2016, I received a sum of money from my recently deceased grandmother as an inheritance following her passing. The money was a total sum of {$20000.00}. I desperately needed this money, as I had been suffering immensely due to a lack of work and medical expenses. Due to the lack of work, I had fallen approximately XXXX to 3 months behind on some of my bills, including a credit card and XXXX line of credit through Wells Fargo. I planned to catch up on these payments once I deposited the check into my Wells Fargo checking account, which was located at XXXX XXXX XXXX XXXX in XXXX XXXX, California. However, just 4 days after depositing this check on XX/XX/2016, an unauthorized withdrawal of {$8700.00} was debited from my account. There was no prior notice of any kind. 

Upon depositing the check on XXXX the XXXX, I asked the bank teller if it was possible for Wells Fargo to automatically debit this or any money from my checking account to pay for the payments I had fallen behind on. She informed me incorrectly that Wells Fargo did not have authority to take such action without my consent. Approximately XXXX month later on XXXX the XXXX, there was a follow-up deduction of {$1200.00}. At this point, my life had fallen into shambles, and all the money that I had left in this or any bank account was {$1000.00}. I needed this money to catch up on bills, purchase a vehicle, and pay for medical expenses. All of this was taken from me at behest of Wells Fargo. They had blatant disregard for my wellbeing, and in my opinion, stole from me, and left my life in ruins.
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. erc has not validated the alleged debt they are claiming under my name. I have sent erc debt validation letters on XXXX different occasions to XXXX different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from XXXX and XXXX letter from erc ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the XXXX postal service website showing they in fact received my XXXX letter and still have not replied let alone provide proof. erc received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the XXXX and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and erc since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX didn't when only XXXX furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and erc is facing serious violations and so is experian.
Product: Checking or savings account

I had XXXX chase accounts and my account was being garnished for a debt which was on my personal account. Following that I had deposited a check from my car insurance for car repairs in the amount of about {$2100.00} from XXXX. The check cleared and chase froze and closed my joint account. Following that my personal account was cleared for garnishment and and I have a total of {$380.00} of my personal money that I can not access. Chase has tried to get signatures for the check from my lender by calling and the lender will not answer my car is no longer in my possession due to repo and I explained that to both XXXX and chase no one will budge and give me my funds. This has gone on long enough. Ive complained before got a case number and still have yet to hear anything back from anyone
Product: Credit reporting or other personal consumer reports

My LexisNexis credit report shows XXXX auto policy lapses, XXXX reported by XXXX XXXX ( POL  : XXXX, started XX/XX/XXXX, cancelled XX/XX/XXXX ) and other by XXXX XXXX XXXX XXXX  ( POL  : XXXX, cancelled XX/XX/XXXX ). However I had insurance from XXXX XXXX and this is not reflected in my credit record. Policy # XXXX : XXXX Policy # XXXX : XXXX Kindly update my credit report to reflect the continuity of policy, including the omitted policies. 

On XX/XX/XXXX, I provided driver 's license and utility to verify identity. 
On XX/XX/XXXX, I provided the official declarations page from XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up email to LexisNexis ( XXXX ) to enquire about the case status. 

I have not heard back anything. Moreover, the incorrect information has not been corrected. 
Kindly look into the matter. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my Experian account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to finishers, accepting unreliable responses and failing to adequately notify consumers of the dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence.I provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer
Product: Debt collection

Requested ELAN FINANCIAL SERVICES cease and desist due to illegal acts on my credit report. Requested validation of binding contract through mail on XX/XX/2022, which has not been provided. ELAN FINANCIAL SERVICES sent a notice through mail on XX/XX/2022 that was disguised as CARDMEMBER SERVICES instead of ELAN FINANCIAL SERVICES. This is a violation of deceit and misleading information.
Product: Debt collection

States that I opened an account in 2016 and owe {$84.00}. You 're company does n't have a license to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/year> and I have yet to hear back from Transunion, XXXX, or XXXX. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the XXXX data breach as well as XXXX and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}
Product: Mortgage

I tried to get a home loan or mortgage? From hunting national bank. It was taking forever! My loan officer said that I got the loan just need the finale approval. But I had to get flood insurance not a quote. But I had to purchase it so I did. Weeks later a different lady called me and said I was denied. Said my credit score went up. I said YES. How else could I pay for the flood insurance and even needed some car repairs. But the flood insurance is XXXX. And I'm out that. I don't know why I didn't get the loan I would have been out of debt. I'm also working with Helpwith my bank. But huntington is in no hurry! Help with my bank said there waiting for them to respond. I have a guys email and number and I have wrote him twice with no answer. I hope you can help me? Thank you XXXX XXXX. XXXX
Product: Credit card or prepaid card

Starting in 2016 I have received monthly recurring charges on my XXXX XXXX debit card. The charges initially were for XXXX from XXXX XXXX. Once I noticed the charges I would contact Google from the number listed on my statement. They would go over my existing google accounts and find out that I had no method of payment listed on those accounts, as I could tell them myself. Then would then issue a refund for the charges and tell me to contact my bank and have a new card issued. I went through this process 3 times over the past year and a half. On the fourth time I noticed that several other charges had been processed along with the monthly recurring charge. I contacted my bank and together we called google billing support to investigate and see if they could block future charges from going through. The representative was singularly nasty and hung up after saying that it was my bank 's responsibility. They did not even take my information to confirm the ongoing case. I have since closed that bank account and switch banks because of this. XXXX I believe did a good faith effort to resolve things, but Google has shown little initiative in finding the root cause of this. Four attempts are more than enough. I have a case number from google and two fraud case reference numbers from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an urgent issue regarding an account reported by your institution that is erroneously listed as delinquent on my credit report. I have attempted to resolve this matter by contacting the Citi Bank multiple times through both email and letter, but I have not received any satisfactory resolution. 

I have no knowledge of ever applying for or holding a credit card with your bank. Moreover, I have been a victim of identity theft, which I have informed your institution about. I recently spoke with a representative from your bank who confirmed that there is no account under my name within your records. 

Given this, I request that your bank immediately contact the credit bureau to have this inaccurate information removed from my credit report. This incorrect entry is not only affecting my credit score but is also jeopardizing a potential future job for which I am currently undergoing a background check.

The furnishing of this inaccurate information is severely impacting my financial and professional life. I urge you to rectify this mistake promptly by ensuring that the credit bureau deletes this erroneous account from my credit report immediately. 

Please treat this matter with the utmost urgency and provide written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX