23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX I received a e-mail from XXXX, Whom I have a account with that I had a Major Derogatory Account that was reported by XXXX. I contacted XXXX, filed a dispute because I did not know what this was, I thought that another Identity Fraud happen since last year I was a victim of Identity fraud. I checked XXXX XXXX and seen my XXXX credit score dropped XXXX points, Which it was XXXX last I checked. I clicked the what changed tab, And a Collection agency ( AFNI LLC. ) was working for XXXX. I paid off my balanced {$340.00} in XX/XX/XXXX and closed my account, 9 months later they are committing Fraudulent charges against me. I dont owe XXXX anything, I paid off all my balance in XX/XX/XXXX, While on the phone with them, And asked them to close my account, Which they did and they try to offer me perks to stay with XXXX since I been with them since XXXX, And never missed a payment. I declined. I returned their equipment at the nearest XXXX store, And that was it. Now they hired a collection agency 9 months later claiming fraudulent charges of {$220.00} that they claim I owe, Which I do not.
Product: Credit card or prepaid card

Noticed an unfamiliar charge with XXXX on my account in the amount of {$70.00} then immediately filed an online dispute with Citibank through their mobile application ( charge was made XX/XX/XXXX, disputed XX/XX/XXXX ) Per Citibank 's status page, XXXX was contacted on XX/XX/XXXX and responded on XX/XX/XXXX. I just checked the status and it shows I'm responsible for the charge and now the case is now resolved ( as of XX/XX/XXXX ) Citibank states that a letter detailing my dispute resolution should be available within 24 hours but nothing is available. Please see screenshots. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1400.00} open date XX/XX/2021 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I received a text message asking if I made XXXX transactions. I replied XXXX, and they sent me a message saying my card was blocked. 

On XX/XX/2023, XXXX transactions using that card were declined for {$27.00}. Another transaction on XXXX XXXX in the amount of {$15.00} via cashapp was also declined. 

However, on XX/XX/2023, a transaction for {$980.00} was approved using the same card that was supposedly blocked. I tried reaching out to the company that processed the transaction to no avail. I then reached out to Wells Fargo. 

They told me that the card was supposed to be blocked but sometimes, a transaction would go through if it was a subscription service. The other XXXX previously declined transactions were subscriptions ( I pay bi-weekly for those ). I explained that if that was the case, the other XXXX transactions should have been approved. 

Of course, I am going to be charged an overdraft fee but didn't they get sued for something like this before? This is beyond frustrating.
Product: Credit reporting or other personal consumer reports

This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, Equifax, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Product: Mortgage

About 6 years ago ... due to the fact that I am at poverty level ... I shopped around, carefully, for a reverse mortgage company so that I could continue to live in my home. I found XXXX XXXX out of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 

I went through the process of getting a reverse mortgate on my home with XXXX. Everything was fine up until about a year ago when I was informed by mail that my account was being " handed over '' to another company ... XXXX XXXX, which also happens to be a debt collector, with an " F '' rating with the XXXX XXXX XXXX. 

Now, every time I have to conduct business over the phone with them, I have to hear the intimidating phrase " We have to inform you that we are a debt collector ''. Why do I have to hear that every time I conduct business regarding my reverse mortgage? 

My complaint : At no time during the reverse mortgage process was I informed by XXXX that they either could or would turn my account over to another company that was not only also a debt collector, but that has an " F '' rating with the XXXX XXXX XXXX. It's infuriating to have to deal with that " we're a debt collector '' stuff ... and since I had no choice in the matter, I want to know what are my options. Can XXXX XXXX be forced to handle my account again? 

How is it legal for an originating mortgage company to just hand over your account to another entity against your wishes or without your approval ... and without having informed you of that possibility beforehand? Had I been informed that this would or could happen, I would never have taken out the reverse mortgage with XXXX. Not telling people that they might do this is, in my opinion, deceptive. 

Thanks,
Product: Debt collection

Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or JC Penny since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
Product: Mortgage

We went to the bank branch office last week to pay our mortgage off. It was a substantial check amount. We got a receipt that said it was paid. The next day our bank showed the check cleared. We go into the Wells Fargo portal and it shows the payment is sitting in an " unapplied funds '' account and it also shows we still owe and are delinquent on our XXXX  payment. Isn't this a violation of the law? Aren't banks supposed to post your payment within 24 hours. It's now 5 days that this payment has not posted! It's concerning because they told us the third day when we called it would be posted on Monday but is still was not posted. So we called Monday and they said it will post by end of day Monday now. Because of prior past experiences with this bank and the large amount of money that is sitting in " unapplied funds '' and a possible violation of banking laws, we thought it would be best to file this complaint and have the CFPB look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9100.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX Credit Report and noticed an inquiry from Cascade Capital , LLC who is a debt collector. They had no permissible purpose to obtain my credit report under FCRA. According to XXXX XXXX XXXX ( r ) ( XXXX ) the term " account '' is defined as having the same meaning as in section XXXX. I have never initiated any credit transaction with Cascade Capital nor had an " account '' with them.
Product: Vehicle loan or lease

Wells Fargo 's erroneous reporting has been damaging my credit for several years, especially with XXXX. In 2018, I suffered an accident, became XXXX, and voluntarily surrendered this vehicle to Wells Fargo at the XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. My loan balance was below {$30000.00} at that time, and the wholesale value of the vehicle was {$32000.00}. Wells Fargo been reporting me to the credit agencies as a major charge off, and for late payments for almost 2 years after I gave them the vehicle. 

I have written to Wells Fargo Auto Credit Bureau XXXX many times, and they have yet to cure the problem and account for the disposal of my vehicle. O bel ; ive that the last 4 digits of my loan number are " XXXX ''.
Product: Debt collection

They ask for my full social security number, which, of course, I do n't give out. They say I owe a bank named Sychrony. Never heard of them. They call constantly, as early as XXXX est. The number is XXXX. Lately my caller ID just shows out of area.
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 : //www.ftc.gov 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. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Checking or savings account

Robinhood locked my account with almost 900.00 in it and refuses to allow me to transfer it to my bank. Refuses to give explanation.
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 accused on XX/XX/XXXX No knowledge of these account Identy theft!
Product: Mortgage

When I first acquired my home mortgage through XXXX XXXX XXXX, I set up automatic payment. I always have bills set up this way to ensure nothing is ever missed. When Chase acquired the mortgage and my loan was transferred over, apparently a payment ( although still set up through automatic payment ) was missed. I didn't know about this, nor the transfer. Chase has been charging me interest and has said I'm behind a payment ever since. They contacted me a few years later to notify me of this. As to why I never noticed .... I set everything up on automatic payment for this very reason. During this time, I've gone through a divorce, had major medical issues, started a business on my own ( and have been trying to maintain it ), etc., so I trusted everything on automatic payment to continue as it always has. I've spoken to a number of representatives at Chase and can't seem to make any headway. This seems highly unfair, unjust, and unethical.
Product: Debt collection

I was contacted by National Credit Adjusters regarding a pay day loan originated by XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$500.00}. The agent stated that a payment was never made. My DOB and bank account information do not match information on file. The balance because of fees is now {$1.00}, XXXX. I have stated on several calls the debt is not mine, and have now faxed a report confirming ID theft complaint filed with FTC and police to National Credit Adjusters. Furthermore, federal records show that XXXX XXXX loans recently entered into agreement with the federal court to the following : All XXXX XXXX loans made prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX, and cash advances on MobiLoans   lines of credit prior to XX/XX/XXXX, will be cancelled if still unpaid. Any credit reporting of these loans and lines of credit will be deleted by the credit bureaus. The lawsuits claimed that the loans and lines of credit were made at annual interest rates greater than what is permitted by state law or the lenders did not have a license to lend when one was required, making the loans illegal, deceptive, or unfair under various state and federal lawsThe Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit on behalf of consumers in 17 states arising largely out of the same loans and lines of credit ( CFPB Case ). 

The Defendants ( XXXX XXXX ) have agreed to provide the following benefits and others more fully described in the Settlement Agreement : Loan Forgiveness : Any covered loan or covered cash advance on a line of credit will be adjusted to a XXXX balance. For those loans and lines of credit, Class Counsel will seek a court order requiring applicable consumer reporting agencies to remove any credit reporting and Defendants will inform Class Counsel of any court where they had obtained a collection judgment on those loans. 

The Tribal Companies have also agreed not to sell or transfer any remaining unpaid accounts covered by the Settlement to any third party, and information regarding any previously sold accounts will be provided to Class Counsel. XXXX XXXX has also agreed to not make any loans, or in certain states to provide certain types of services to lenders and will become subject to a court order filed in the CFPB Case containing these and other restrictions. 

This company is illegally attempting to collect on a debt that is not only outside of the statute of limitations, it has been reported as ID theft and the originator has agreed with the federal courts to void this debt and make it uncollectible. I demand this company close this matter and stop all attempts to collect, including any possible credit reporting. I request the CFPB hold them responsible for this illegal collection attempt and for not abiding by ID theft regulations and ignoring my ID theft reporting. 

I spoke with the attorney 's office representing the class action group today and confirmed this debt was included in this agreement with XXXX XXXX Loans.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX XXXX XXXX in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting or other personal consumer reports

I NOTIFIED EQUIFAX OF UNAUTHORIZED HARD INQUIRY FOR XXXXXXXX XXXXXXXX XXXX 
SEE ATTACHED FOR SUPPORTING DOCUMENTS***
Product: Checking or savings account

Bank of America prepaid card services unauthorized use of card disputed it with claims department with the prepaid side of Bank of America submitted police reports everything that was requested of me by claims department and yet still have not received insurance money for the unauthorized year so XXXX fraudulent use on my account it was proven by law enforcement and still did not receive my credits back to account
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENTS! 

How can I owe the same debt to two different companies? I did not authorize these companies to furnish on my report.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.
Product: Mortgage

We had a mortgage with Wells Fargo Home Mortgage. During the life of our loan, we paid {$87.00} monthly for PMI insurance. These payments typically post the third week of the month. We paid off our loan on XX/XX/2020. When reviewing our escrow account, we noticed that we were charged {$170.00} on XX/XX/2020. We called Wells Fargo for more information on the payment. We were told by a Wells Fargo representative that our PMI is paid in arrears. The explanation for the charge was that since we paid off our loan later in the month, that we also had to pay for XXXX PMI. This does not align with the representatives statement that PMI was paid in arrears.
Product: Credit card or prepaid card

I have not received my alerts for my credit card statements. XXXX XXXX does not offer alerts notifying you that a payment is due. They have no built in alert system. Then they charge {$39.00} for a late fee and don't offer no more then 1 refund per 18 months.