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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 3. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 5. Identity Theft XXXX Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 8. Identity Theft XXXX  Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. Identity Theft XXXX Account Number : XXXX Delete this account. 14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I had my credit pulled due to me attempting to purchase a home.XX/XX/XXXX Upon pulling my credit report I noticed an account from XXXX XXXX listed in the amount of XXXX. I contacted convergent and told them it was a fraudulent account. The representation advised me that the account had been verified over a year ago and that the debt was mine. I then spoke with a manager that advised me that I would need to pay the debt in full and there was nothing that he could do. Time and time again Convergent has refused to validate the debt as requested in writing. The first contact was in XX/XX/XXXX. I am a XXXX XXXX XXXX veteran and after serving this country I feel that I should at least be treated fairly and Convergent has not expressed any want to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX Balance : {$8900.00}, 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 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 4 business days after the date of receipt.
Product: Credit card

I sent a check to my credit card company, Wells Fargo, on XXXX XXXX for a bill due on XXXX XXXX. They claim that they did n't receive it until XXXX XXXX and they charged me a late fee of {$15.00} plus interest ( {$5.00} ). I know the mail is sometimes slow but it does n't take over two weeks to get from XXXX to XXXX. I called customer service and they took off the late fee " as a courtesy '' but I still have to pay the interest. This is n't the first time this happened to me.
Product: Credit card or prepaid card

We used our Capital One credit card to pay for a move from XXXX to XXXX. The movers contract stated that they would deliver in 30 business days or less. They didn't deliver until 40 business days and also damaged 50 % of our items and is claiming to the Capital One that they performed their services with no issues or damage. Capital One says they can't step in because its a legal issue. The Attorney Generals office disagrees and says that its a fraud issue and that they didn't fulfill their contract.
Product: Credit reporting or other personal consumer reports

This fraud account is being reported by a third-party agency and reports a different address on three different credit bureau. If you look at my Equifax also this company is sketchy. Its not licensed and bond when Im checking the address that is showing on my Equifax. Please delete this fraudulent account.
Product: Credit card

I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. on XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}
Product: Credit card or prepaid card

I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent letters to XXXX, Equifax and XXXX requesting that my personal information be updated. As of this date, I have not received any response.
Product: Debt collection

I received a call about a debt from a spring oaks debt collector a month ago stating I owed {$970.00} for a XXXX XXXX XXXX in XXXX Texas. I had a loan for {$1000.00} that I opened XX/XX/XXXX & paid it off XX/XX/XXXX. I did not get any other loans after paying that one off. I have asked for proof that this loan was approved & signed by me but have not received any information. I have asked twice from XXXX XXXX XXXX  now springoaks to mail me the documents to support this loan allegation & still have yet to receive anything. Im concerned about foul play at the world finance office I had gone to prior due to their being an employee who certainly was not a fan of mine outside of work. Please help with this. Its effectively hurting my credit. Still.
Product: Checking or savings account

My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!
Product: Debt collection

Continually being harassed by a collection agency trying to collect a debt from a person by the same name, with a different date of birth. Agency has been told several times that I am not the person they are looking for and to no longer contact me in regards to this debt. I have videos of me telling them it is not me, to stop calling. They continue to call and I just received a call at work from a courier trying to serve me with legal documents for a debt that is not and have never been mine. I have a video of my husband and I addressing this with the agency from XX/XX/2020.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently flied a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to fumishers, 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 1 provided, causing ongoing harm to my credit standing, I am requesting immediate complete action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank company use Social Security card number to open a personal credit card on my credit profile for XXXX Trans Union and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. XXXX XXXX also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted XXXX XXXX and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.
Product: Credit card or prepaid card

Mrs. XXXX XXXX XXXX service does not work. They write letters to me indicating that she is going to call me and has never contacted me. It takes too long to answer inquiries at the CFPB and she doesn't know how to explain anything. The service is very poor. These rascals dont complete their job, they are charging me for fraudulent transactions witouth sustainable evidence of investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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 or other personal consumer reports

On XXXX I sent an affidavit with a copy of my social secuirty card, drivers license, an utility bill to Transunion concerning account information that did belong to me. The affidavit from FTC Idenity included a total of 5 accounts. It has bee over 30 days and Transunion has not responded to my dispute which violates 15 USC 1681i ( a ) therefore the disputes accounts should be removed from consumer report effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started with XXXX XXXX, XXXX  and transunion on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft and I have filled out a report with the CFPB also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 



I demand that the following accounts be verified or removed immediately : The following account is not mine Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

On the morning of XX/XX/XXXX I logged into my and my husbands checking account to check the balance and to prepare to make a consumer loan payment. The account had a negative balance. We have a joint checking account, consumer loan account, and the overdraft account all with Truist Bank. On XX/XX/XXXX a phone XXXX transaction was made in the amount of {$1500.00}. This threw the account into overdraft. I also had a {$36.00} overdraft fee. I immediately called the phone XXXX to speak to someone and attempt to find out who authorized the transaction. The amount was for two payments of the consumer loan. The first person that I spoke stated that my husband authorized the transaction. I explained to her that " no '' my husband has XXXX and has been in the bed and talked to no one on the phone. The call was disconnected. I again called back and explained the same thing. Again was disconnected. I was disconnected four times. On the last phone call I was told that it was with the consumer loan department and they were closed today. The lady told me at first that she would request a refund but that the refund couldn't be done until Monday. Then she changed her story and said that since the consumer loan account was behind they wouldn't refund the money. She stated that she would contact me back on Monday. I then contacted the local Truist branch via phone in XXXX, NC and spoke to a Banking Rep and was told that Truist has the authorization to take the money from my account. I told her that my husband had contacted Truist loan dept several months ago to get assistance with the loan as we were having some financial issues. He was told at that time that they could not assist. We explained that we would try to get it caught back up as soon as possible. I told the banking reps the same thing. She said that they would have assisted us if we would have told them back several months ago. I then told her that again we could get no assistance. The account was only 30 days past due as XXXX has 31 days and we were only on day 29 when both payments were made. Truist bank made a potentially life threatening transaction and needs to be held accountable. They left us with no funds available to secure any needed groceries for the week, no gas to drive to work, and with XXXX of us just getting over XXXX, the other two days positive into XXXX. If someone could please advise if we have any recourse to take towards Truist Bank it would be greatly appreciated.
Product: Mortgage

On XX/XX/XXXX I opened a {$100000.00} HELOC with First Midwest Bank in XXXX. The HELOC was not on my primary residence but on an investment property that has/had no other mortgage. I never used or withdrew any funds. I attached the last statement dated XX/XX/XXXX which shows the HELOC was open, the annual {$50.00} fees was paid, and I had an over payment of {$10.00}. 

In XX/XX/XXXX, I discovered that the HELOC had been closed. I discovered it because I was in the process of purchasing another property and XXXX XXXX contacted the bank to verify the information I provided to the new lender. They informed me the HELOC was closed. 

I have received no written explanation about when and why it was closed. I have received different and conflicting explanations over the phone : one clerk claimed I closed it, another clerk claimed it was closed in XX/XX/XXXX by their collections department because of a late payment of the XXXX annual fees. ( It is true that I paid the XXXX annual fee of {$50.00} late. That is because I moved to XXXX and did not receive their annual statement even if I had notified them in writing of the address change. I paid it as soon as they contacted me by phone and they did not make a big deal out of it. In fact, one year later, in XXXX, they accepted my next annual fee payment over the phone with confirmation number XXXX, and sent me a new annual statement on XX/XX/XXXX ). 

I asked over the phone for a written explanation, for a refund of the {$10.00} balance and the {$50.00} annual fees, for a copy of the paid note and the mortgage release. As of XX/XX/XXXX, I still have not received anything. As of mid XX/XX/XXXX, the HELOC was still showing on my credit report and I had to contact XXXX to have it fixed. 

The HELOC was on an investment property in XXXX but I currently live in XXXX. After the discovery, to better track their correspondence, I changed my mailing address to a scanning service in XXXX. The only written communication I received from the bank since the address change is the attached notification that they have received the request for address change.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal bank is XXXX XXXX, I have been paying SELF for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when self sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called self and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because self screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in XXXX XXXX XXXX during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.