23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The items are listed below that need attention : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Customer had XXXX fraudulent transactions in checking account in early XXXX, 2023. 

XX/XX/XXXX - XXXX dollars XXXX XXXX  XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX XX/XX/XXXX - XXXX dollars XXXX XXXX I noticed the fraudulent charges, froze my account. Got a new bank card. Originally was credited the money back to my account on XX/XX/XXXX. 

Money was taken back out of my account on XX/XX/2023. Key Bank said that I authorized these transactions, which I could not have as I have no account or have ever used XXXX XXXX. I was told that I had to contact XXXX XXXX to settle the dispute ( told by Key Bank ), but no information was sent electronically or through paper mail. 

Reached out to XXXX XXXX, filled out necessary paperwork, but was told I had to go back through Key Bank. I had called weekly until my dispute was sent to executive offices at end of XXXX. I have still not been provided any update as of XX/XX/XXXX, when I called them for the 4th time. Explaining that I have filed a compliant against Key Bank with CFPB for lack of information and refusing to return money to client.
Product: Payday loan, title loan, personal loan, or advance loan

I never signed a contract with Dividend which means my signature was forged. 
The sales rep through XXXX XXXX lied to us and said that in order for the solar panels to run efficiently we would need XXXX of our big oak trees to be cut down ( XXXX XXXX was supposed to pay for the trees to get cut down ). They never cut our trees down. We called them almost every week and would get the same response " XXXX XXXX is still working to find a contracting tree company, we were never able to speak with a supervisor either when we requested it. The sales rep said our bill between XXXX and our electric company would be no more than {$300.00} a month. Some months were paying over {$700.00} a month ( no cost savings whatsoever ). They never cut our trees down. 
My parents ended up paying to have our trees cut down which cost over {$7000.00} to do. 
Panels were placed on our roof approximately XX/XX/XXXX but were not act/ive until XX/XX/XXXX. Dividend XXXX auto-debited my account on XX/XX/XXXX without the panels being active. I spoke with XXXX XXXX and they paid the monthly solar bill of {$180.00} to Dividend up until XX/XX/XXXX. 
We were lied to from the beginning and our bills have yet to be under {$300.00} between Dividend and our electric company even with our trees being recently cut down XX/XX/XXXX. 
XXXX XXXX also advised we would get a 30 % tax credit so not sure if we will even get that when we file our taxes next year. With that being said, our Dividend payment jumped from {$180.00} now to {$250.00} effective XX/XX/XXXX. 

XXXX XXXX has now furloughed all their employees and closed their days as of XX/XX/XXXX. 
Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Product: Credit card or prepaid card

Within the past week some Wells Fargo employee ( s )  submitted an application for a credit card without my prior knowledge or authorization, and it was declined. My XXXX   scores were XXXX - Very Good, XXXX - Very Good ( XXXX ), and XXXX - Good. Now, my XXXX scores are in the low 600s.
Product: Credit card

THEIR ARE XXXX FRAUD CREDIT CARD COMPANIES. IN XXXX 2014 THEY STOLE ID REQUESTING XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. THEY WANTED IT MAILED TO THEIR OFFICE CAPITAL ONE BANK NA XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX THEY STILL HAVE ON ALL THREE CREDIT REPORTS. 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT : XXXX XXXX THEY IN XXXX AND XXXX XXXX ARE KNOW AS SCAM
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information
Product: Debt collection

On XX/XX/year> I received a letter from a debt collection agency stating I owed XXXX XXXX {$870.00}. I immediately contacted XXXX XXXX because I know that I had returned all of my equipment and had completed my contract with XXXX XXXX and all bills were paid. I spoke with XXXX XXXX XXXX XXXX ID XXXX. I explained to her what I was calling for and she asked for a minute to look over my account. When she came back on the line she tried to give me the phone number to the debt collection agency and she proceeded to inform me to explain to the agency that XXXX XXXX had received the equipment and that I did not owe XXXX XXXX any longer. I refused I explained that is not my responsibility to contact this agency XXXX XXXX made a mistake just like they had on a previous account I had with that company several years ago and I had to have XXXXXXXX XXXX fix the problem they caused by their failure to update records accordingly when they receive payments and equipment. This debt collection agency should have never received any debt collection to collect from me in the first place. I returned everything and made sure my contract for one year had been completed before I canceled my service with XXXX XXXX and I owed nothing when I had canceled. Now almost 2 years later Im receiving a threatening letter from a collection agency? It is not acceptable. XXXX XXXX needs to do a better job at making sure consumers information and payments are handled better this is absurd. This affects my credit and my emotional state. I feel XXXX XXXX  should have to pay for the stress and aggravation for someone having to deal with this every time an account is canceled and all fees have been paid.
Product: Credit reporting or other personal consumer reports

Ive been making regular payments to my XXXX credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove the following account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX - ACCOUNT BAL {$15000.00} - CHARGE OFF ACCOUNT WITH OPEN DATE XX/XX/year>. ACCOUNT HAS BEEN CANCELED AND DISCHARGED. WILL PRESENT all 1099Cs for debt cancellation. 

As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Customer has not updated the balance on the account. Last update was Reported : XXXX. XXXX, 2024. Balance shows be {$16000.00}. Balance should be {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected in my consumer report under 15 USC 1681 all unverified information must be promptly removed. This is my second attempt in requesting proof of these accounts listed, as you can see, you can not verify this information and validate it as accurate, so I request that you remove it I am a victim of identity theft and the accounts listed below do not belong to me. please show me documentation showing proof these accounts belong to me, if you can not supply this, please delete the alleged accounts from my credit report. These are fraudulent accounts. The FCRA allows 30 days for this to be rectified. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Ive already filed my complaint on XX/XX/21 by phone. My complaint number is ID XXXX. The XXXX number is XXXX.
Product: Credit card

PayPal Credit is reporting an account and balance that do not belong to me.
Product: Checking or savings account

Someone had used a copy of my Wells Fargo ATM card to withdraw all the funds from my savings account, ( acct. no - XXXX ) {$200.00} incrementsXXXX XXXX times per day, several days per week, from XX/XX/XXXX 'til XXXX, XXXX. When I registered my account online, years ago, I had set up Alarms/Notifications to warn me about such illegal activity - none were activated, so I wasn't aware of these transactions, at all! 

On XX/XX/XXXX, I contacted Wells Fargo XXXX XXXX and made a formal complaint. I did not hear back within their promised return call time of 10 days, so, last week - early XXXX - XXXX called them. I was forwarded to " XXXX '' from their XXXX XXXX. XXXX said they would not be reimbursing me, because the PIN number and my ATM are MY responsibility, therefore they are NOT responsible for whoever used my card without my permission, nor whether or not they STOLE my PIN number. 

I contacted FDIC who then forwarded my complaint to CFPB ( XXXX ), but I do NOT see that complaint under my name. My complaint number is XXXX. Please update my record to INCLUDE this complaint, and NOTIFY me when that is done. 

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

As of XX/XX/2021 XXXX XXXX was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. Again, Im sending over FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit report entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXTransunion : XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any inquiries in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Mortgage

Quality Loan has not provided accurate legal document to foreclose -they have n't done due diligence and do not have the legal standing -authority to act as a substitute trustee as they do not represent the lender -nor do they have the correct deed-note and payoff-they have filed incorrect -unauthorized documents to county recorder
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I realized that my Experian Credit Report listed a XXXX  and XXXX XXXX Credit card under my name. I review the information with both companies and they confirmed that I did not have an existing account with them. The conclusion I reached with those companies was that Experian incorrectly listed me as an authorized user as me and my dad share the same name ( XXXX XXXX ). 

On XX/XX/XXXX, I submitted a dispute with Experian to resolve this, only to get a response back saying my information was deemed correct ( Report ID : XXXX ) .I have tried contacting the company on multiple occasions, even emailing asking if they can call me or direct to me a correct contact. All the numbers they give me have zero methods of talking with an actual person. Unsure why a credit agency would make it so difficult to reach customer support until a complaint is officially filed. CFPB should not allow Experian to be so hard to reach, especially for people who may not have the technical abilities to figure out how to solve this. I had to go on multiple forums to see different methods to resolve my issue. Credit Reporting adjustments shouldnt be this complicated and it is putting my credit at risk.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

We have two cards with synchrony bank. I noticed that one account closed due synchrony bank telling me I wasnt making more then the minimum payment. But I was making the agreed payments and closed my account with no prior notice. They also advised they kept running my credit. I submitted tired to reach out but the representative didnt know why this happen. A week later same thing with my other account. I was making payments and they just closed the account.
Product: Debt collection

Today XX/XX/2019 at approximately XXXX XXXX a creditor, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms XXXX full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud on XX/XX/2022 my personal information was used without my consent, I contact Equifax and explain what happened I was told they would investigate and was giving a conformation # XXXX. A few hours later I receive a email saying everything was accurate. I did not apply for a card from XXXX XXXX  XXXX but Equifax is saying I did knowing I am a victim of fraud please have them remove the inquiry that was fraud on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report Fico score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to Visa yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to VISA and transferred the balance to the VISA. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XX/XX/2024 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024.
Product: Debt collection

I spoke with a customer service rep at Living Funding, I explain to him that I do not have an account with them. He was requesting personal information in which, I refused to provide due to identity theft. I am requesting proof of me taking an account out with them. Along with them to stop reporting inaccurate information and the removal of the debt from my credit report.
Product: Debt collection

I attempted to settle this debt with this company back in the begin of XXXX, I spoke with an employee by the name of XXXX XXXX, who I asked if i could be sent a settlement letter to settle the balance owed on a previous XXXX bill I had, I asked if I could have it sent via email or fax, the employee advised me that they could not do that. I said ok and we disconnected the call. I attempted again around the XXXX of XXXX and I spoke with an employee by the name of XXXX XXXX @ XXXX XXXX, who was very nice and I asked her I needed a settlement letter or something stating the validity of this debt, I asked her if she could fax or send me this letter, she stated no we can not do that, she stated she could mail me the letter, she verified my address, I asked her if she knew how long it would take, and she stated about 3 business days, since we XXXX are out of Arizona. Today is XXXX/XXXX/2015 and I have not been mailed anything to prove this debt. Prior to XXXX/XXXX/15, on XXXX/XXXX/15, I attempted calling to see why I never received this letter and I spoke to a receptionist who stated that the department were my case was handled had closed early and to try calling back on monday XXXX/XXXX/15, I asked if she could help me, she stated she could not see anything they could. I made multiple attempts today XXXX/XXXX/15 to call and speak with somebody and everytime I called the company, they asked me for my account number and I entered it, then I entered the ext of XXXX XXXX, nothing but a voicemail stating to leave my info to have someone call me back. I did not leave my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.