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

I received an alert from my Credit Monitoring Service that said I had a change. When I looked it up it was XXXX XXXX. I went online and looked at my account at XXXX XXXX credit account ( which is a credit card for XXXXXXXX XXXX XXXXXXXX Warehouses and good at Walmart also ). It showed my credit account was closed due to inactivity. I have had this account since XX/XX/2002. I called XXXX XXXX and went up the chain of command on this and I got the same response each time from 3 different people. I was told it was closed due to inactivity. ( I probably have not used it to charge anything in a year or so. ) However, I received NO notice that it would be closed. They acknowledged that they do not send out such a notice!! I find that ridiculous! I had no balance on this account and I always paid off my balance every month. My credit is very good. I am angry that I received no notice that they would do this. Their response was that it was in the terms of agreement when I opened the account ( XX/XX/2002 ). This is very poor business practice and unfair to the consumer. Closing my credit account hurts my credit score unfairly! Their response was that I could reapply for the credit account ( which would again hurt my credit score to open another account ) ... so double hit to my credit! They stated they could not reopen the account they closed.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and XXXX concerning fraudulent activity on my consumer profile but have yet to receive a response. I have provided my FTC Report, state ID, Social Security card, proof of address, and a letter detailing the specific items resulting from the fraud. Please ensure a block is placed within four days of receiving this correspondence. The letters will be attached to this complaint, and all documents will be sent via the United States Postal Service. This company is in breach of 15 USC 1681N, and these fraudulent accounts must be removed within four days as stipulated by 15 USC 1681C-2. 
XXXX Case Number : XXXX REMOVE FROM MY CONSUMER REPORT XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  XXXX XXXX  XXXX Account Number : XXXX Remove from consumer report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  XXXX  Account Number : XXXX REMOVE FROM MY CONSUMER REPORT Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 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.

I have attached ALL the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC XXXX  Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies while checking my TransUnion report. My middle name should not be on my report. My First and Last Name and middle name initial only. Also, I am not employed at XXXX XXXX. I am requesting that this information to be removed from my TransUnion report. 

On my XXXX report, my last name is spelled incorrectly. It should be XXXX not XXXX
Product: Debt collection

I dont know this lender and dont know who they are. This is a third party lender who does not contact me nor has sent me any indication of what this is? I have no accounts with these lenders. They are showing up on my credit report. 

Through my rights, in accordance with 15 U.S. Code 1692g, I old the right to verify the total debt amount, including any fees, and who the original party that is making the claim. violation of 15 U.S. Code 1692d nd shall be subject to State and Federal penalties.

appreciate your efforts in this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I filed chapter XXXX bankruptcy in 2020 and it was discharged XX/XX/2020 Mountain Run whom I have never done business with keeps reporting debt in my XXXX report. I have asked them to removed it and asked XXXX to remove it I have never done any business with mountain run I did some digging and they may have purchased a debt already written off in my bankruptcy which is XXXX XXXX and they did XXXX was written off in chapter XXXX so now they mountain is reporting the debt under there name a collection acct past due Ive asked them to delete it Ive had no dealing with them And XXXX was in the bankruptcy chapt XXXX already
Product: Debt collection

This complaint is the result of credit control LLC calling my cellphone repeatedly asking for XXXX XXXX and claiming that my number is associated with that person. I have told them countless times that I have had my phone number since 2004 and at no time has XXXX XXXX ever had my number, as I have checked the records back beyond the 19 years I have had the number. 

I requested to speak to the Owner or Management and some woman came on the phone and stated that I could just leave a message for them - and when I stated that I had done that several times previously with no return call, she just said again, you can just leave a message. 

Two previous times Credit Control LLC called my cellphone a man just simply kept calling me XXXX XXXX and rambling on about owing a debt that needs to be paid right away. 

Another call made was quite threatening after I told the man to quit calling as XXXX XXXX does not and has never owned this phone number and I was told on that occasion, they had acquired a judgment against me ( calling me XXXX once again ) and when I said I am not XXXX XXXX, the man demanded to know my name, as he knows that I am XXXX XXXX so quit waisting his time, and demanding full payment of the debt I owe. 

This company has called my phone today alone, at least five or six times, with a few being hang-up calls. 

This has now gotten into harassment and because the owner or higher-level management continuously refuses to deal with this, I am now DEMANDING to speak to the owner of the record, to settle this matter, including the damages caused today alone.
Product: Checking or savings account

On XX/XX/XXXX my checking account was overdrawn by XXXX after a utility payment posted. The XXXX overdraft occurred because of a gratuity on a restaurant bill. Charging a {$36.00} fee and returning a {$630.00} utility payment all for the lack of XXXX is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( S ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX  - EquifaxXXXX XXXX XXXX - XXXX  and EquifaxUnknown account - XXXX on Equifax
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting

Since 2009 Equifax has reported XXXX XXXX XXXX for XXXX and XXXX but they also are reporting XXXX and XXXX so I have XXXX different reports each XXXX for XXXX and XXXX for XXXX. I have sent letters, disputing constantly for years and still it shows on my credit twice for each. Also the last payment amount is inaccurrate and I have asked for the original paperwork with my signature since 2009 and still nothing. I will be mailing notarized certified letters to Equifax this week. This is also the second time I have reported this to you also. I will be attaining an attorney in 30 days from the date of my certified letter. 
Against Equifax and you.
Product: Debt collection

Midland Credit Management- IS not licensed to practice debt collection in the State of California . Midland Credit Management has listed their debt collection license as pending as of XXXX It appears that they have been convicted and accused for unfair debt collection practices by consumers. I received a summons from them although they are being investigated for FRAUD. Midland Credit Management also functions as Midland XXXX XXXX which is a direct violation of the FCDPA- False and misleading deceptive practices. The process server from Midland Credit Management sent to my home walked around my house and spoke to my neighbor regarding debt. Process server refused to identify herself and called repeated after leaving my home. This summons does not have a true bill attached. Payments and charges are not listed. I had insurance on this account also, which was ignored. I have found at least 20 FDCPA violations in their complaint. This company is disgusting and should never be allowed to exist on this planet.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnisher 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. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction, violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they well investigate it and thats all they told me
Product: Credit card

My Costco XXXX was taken over by Citi Cards. I have a balance on the card of XXXX. When Citi took the card over, they gave me a credit limit of {$3700.00}, which put my account into arrears, and they stated I had to pay {$1400.00} to put the account into good standing. My complaint is if they did not want to extend more credit to me, they had to give me a credit limit of at least my balance, so as not to put my account into arrears and cause me additional undue stress. Seems like an unfair and deceptive practice.
Product: Debt collection

Hunter warfield inc is reporting on my credit with out my consent the amount of {$3000.00} in collections
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and XXXX data breaches, which exposed my personal information and left me vulnerable to identity theft. As a result, fraudulent accounts were opened in my name with XXXX Bank ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ). I did not authorize these accounts. Both creditors have confirmed in writing that the accounts are fraudulent. Despite this, Innovis continues to report these accounts on my credit file.
Product: Checking or savings account

Me and some friend 's went to a gentleman 's club and I used my debit card to purchase drinks there, I never withdrew any cash from the location, and only used it to purchase about XXXX $ worth of drinks. However, next morning, I was charged XXXX $ for the drinks, plus an additional XXXX $ or so by a company named XXXX XXXX. Someone in that establishment is charging people money to a fake company that is listed as a " XXXX. '' On my Wells Fargo transactions. Wells Fargo has looked through the transactions and returned XXXX $ but since the transactions ( multiple totally over {$1200.00} ) we're fraudulent I believe they should return all my funds. Wells Fargo ended up removing the transactions from my transaction history, making it seem as if it never happened, and the remainder of XXXX + XXXX that was transacted on XX/XX/XXXX by Wells Fargo, authorized on XX/XX/XXXX, was deemed a legitimate transaction. I've called the bank and they just said a executive will call me, once they have looked through it again. I know for a fact I did not order any food from the gentleman 's club, I don't even think they serve food and it is highly unusual for an establishment to charge a person 's card under another business entity. It is clearly fraud and I would like my money back. They literally swept the whole thing under the rug and made it seem like this " company '' that charged me wasn't trying to drain my entire bank account, so they can charge me for a smaller amount and get away with it. It's unethical.
Product: Student loan

I was arbitrarily expelled by XXXX XXXX XXXX without cause violating their handbook and student loan contracts in XX/XX/2012. 
I've filed debt discharge apps and what have you, repeatedly, and yet these loans still a-ppear. 

I need them removed immediately as they are killing my credit.
Product: Debt collection

Every 6 months for the past 2 years, Waypoint Resource Group of XXXX Texas attempts to collect a 5 year old {$100.00} debt to Comcast ( which I was told at the time that I will not owe ). Their method of contact is to " ding '' my XXXX Credit report without contacting me by any other means, ie ; mail, phone, email, etc. 
I contact them ( on a recorded call ) and attempt to settle the debt which is refused. After several weeks they are removed from my Credit Bureau. Like clockwork, 6 months later the same thing occurs. 
I feel that this is harassment at the very least. 
I have worked diligently for the past 3 years to elevate my credit score, only to have it take a 27 point " hit '' every 6 months. Please make them stop this harrassment.
Product: Debt collection

XXXX agree to remove the collections due to a mistake on their behalf. I had spoken with the corporate office as well and he agree with me as well and sent me a email stating it would be remove. Another collections company has it and refused to remove it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting agency, Experian is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was notnotified. As the original creditor, onlyI can validate this debt. I do not validate this debt. Therefore, the following account must be deletedfrom my report.Failure to respond satisfactorily with deletion of the above referenced account and a freecopy of my report after the changes has been made will result in the above actions being taken against your company, i will also be seeking {$1000.00} per violation for:1. Defamation2. Negligent Enablement of Identity Fraud3. Violation of 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently contacted Equifax about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. Equifax hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of Equifax willful non compliance in case I have to move forward with a civil suit against Equifax. 

To Equifax please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX.
Product: Debt collection

We have received two phone calls from the same number ( XXXX ) reporting to be from Sequim Asset Solutions, LLC representing XXXX (? ) Collector attempting to collect a debt. One caller gave a call back number as XXXX, the second gave XXXX. Both gave the same reference number for the debt. The first call was on XX/XX/2020, the second on XX/XX/2020. We generally do not answer calls not in our contact list and therefore both calls were allowed to go to voice mail. We have no overdue debt.
Product: Credit reporting or other personal consumer reports

I have alerted this financial institution I was a victim of ID Fraud and that I was a XXXX at the time of account opening and that it was not me. I provided a police report, FTC report, and my government issued ID. Still the account was found liable and I was held responsible. How can a credit card company hold a XXXX liable for a account that had supporting legal documentation. During the time of the investigation I was told to not make payments, as I wasn't responsible until after the claim was finished. I was still charged late fees, interest, and even had late reporting sent to the credit bureaus. I disputed but nothing was deleted. Also, the incorrect date of birth as well. I want this account and all negative history to be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was affected by trans-union credit inquiry issue and now my credit report is showing hard credit inquires that aren't mine. Please see the inquires listed below that do not belong to me. 

XXXX XXXX XXXX XXXXXXXX XXXX  Can you please look into them removing this false information that is affecting my creditworthiness. 

Thank you, XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Fraudulent Activity and Lack of Response Dear Consumer Financial Protection Bureau, I am writing to address a concerning matter regarding my recent interaction with Wells Fargo. On XX/XX/XXXX, I had a lengthy conversation with an Escalation Representative who provided me with several IP addresses purportedly associated with fraudulent activity. However, these IP addresses have not led to any substantive progress in our Wells Fargos investigation. 
I am requesting immediate action from Wells Fargo to provide the specific IP address used, along with the exact date, time ( including minutes and seconds ), to open the fraudulent account ending in XXXX Additionally, the scammer conducted XXXX transactions between XX/XX/XXXX and XX/XX/XXXX. I require the IP address used for each transaction, as well as the corresponding date, time ( including minutes and seconds ), and method used. 
Furthermore, despite your letter dated XX/XX/XXXX, requesting ATM withdrawal copy of receipts to support my fraud claim, I have not received any response from Wells Fargos fraud department within the promised timeframe of 30 calendar days from XX/XX/XXXXXXXX XXXX XXXX 
This lack of response is unacceptable, especially considering the severity of the fraudulent activity involved. I urgently need this evidence to proceed with filing a report to the FBI for further investigation into this criminal matter. 
I kindly request the Consumer Financial Protection Bureau to intervene and ensure Wells Fargo promptly provides the requested information without further delay. Please escalate this matter to ensure that I receive a swift and satisfactory resolution. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX,