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

On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I logged into my credit report and came across a collection which was from Lvnv funding llc, I never opened an account with XXXX XXXXXXXX in XX/XX/year> so I was a victim of identity fraud. Under 15 USC 1681 I never gave any written consent to furnish my information or obtain my information XXXX XXXXXXXX XXXX sold my information to LVNV Funding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 letters were sent requesting validation of certain accounts included on my credit report. Not only has the investigation taken over 30 days, I have also not received any update regarding the information that has been disputed.
Product: Money transfer, virtual currency, or money service

Someone got my personal information from Cash app, and used it to open a second fraudulent cash app account in my name. Somehow the cash app card associated with the fraudulent account got sent to me by accident. When I contacted cash app about it the incident, I was told thank you for letting us know we will look into it. They completely disregarded my issue entirely. There's was no apology, there was no follow up concerning the matter. It was as if what happened didn't matter, I didn't matter. So I have no idea what this person has done in my name with that account, I can't access the account and the company refused to look into it. I've monitored my credit report and haven't really seen anything but from a legal perspective I have no way of knowing. I still have the cash app card that was sent to me, that is associated to the fraudulent account in name. I keep it as proof just in case something did happen. I will attach photos of the fraudulent card, and my personal card, you'll see the # hashtag names and the last names are don't match.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies XXXX, XXXX and Experian have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.
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 {$330.00}, {$5900.00}. 
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. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Product: Checking or savings account

ever since i opened my wells fargo checking account, money would be missing from my account.
Product: Debt collection

On or about XX/XX/2018 XXXX XXXX XXXX of XXXX MA ( XXXX ) sent a collection notice to a client 's spouse at her address. 

I have no relationship to that address other than I process VA payments on behalf of my client, an XXXX year old suffering from XXXX and living at the VA facility in XXXX XXXX XXXX. The bills for his care go to his spouse at that address. She is his Conservator of the Person ; I am his XXXX of the Estate. 

After a call today ( XX/XX/XXXX ), it was clear that several bills reportedly to me ( sent to another wrong address ) were returned to XXXX. I asked about the address and they had both spelled my name incorrectly and had my home address city listed incorrectly. XXXX has been unable to provide an original invoice so I have no idea as to whether the bill is valid. 

They suggested contacting the medical laboratory directly to ask for an invoice. I will do so but feel it is an unnecessary step and XXXX should offer to have the bill forwarded. 

While I am not usually one to send complaints, in the past with medical bills I know the practice of sketchy collection agencies is to ding the credit reports immediately, even if paid in full. The practice of trolling for addresses is suspect and I believe violates my client 's and my privacy. 

XXXX should have their license reviewed and their practices monitored. It is quite embarrassing to me to have a bill go to an elderly spouse of an elderly client. Quite bizarre. 

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

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XXXX XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Items purchased from XXXX XXXX XXXX, supposedly in XX/XX/XXXX, were paid for by check, dated XX/XX/XXXX in the amount of {$350.00}, marked " payment in full ''. In addition, according to XXXX XXXX XXXX, an additional credit was issued for merchandise returned in the amount of {$52.00}. Those two amounts equaled the total purchased and paid for/ and or returned. To the best of my knowledge no other charges were due on this account. 
While the purchases were made in XX/XX/XXXX, no payment was made until XX/XX/XXXX because no bills from  XXXX XXXX XXXX were ever received by me until XX/XX/XXXX. I had moved temporarily to another address and put in a request for the US Post Office to forward my mail. Since I received mail from other senders, I had no explanation as to why I received no bill from XXXX XXXX XXXX until XX/XX/XXXX. In any event, on XX/XX/XXXX, on the check issued in payment, I provided the new address to which any future bills should be sent. Again, I received no follow up bills until XX/XX/XXXX!!! The one bill that I received in XX/XX/XXXX showed a balance due of {$320.00}!! I had purchased nothing from XXXX XXXX XXXX since XX/XX/XXXX, and had paid in full for all purchases made. Nevertheless, Capitol One Bank continued to assess both late fees and finance charges since that time ( XX/XX/XXXX ), according to my discussion with the Bank 's representatives. I offered to pay any late fees/finance charges from the date of the original purchase until the date that payment in full was received by XXXX XXXX XXXX, ie until XX/XX/XXXX, even though XXXX XXXX XXXX/Capitol One Bank failed to send bills to me on a regular monthly basis. My offer was refused ; the Capitol One collection representative insisted that I settle the matter by paying {$290.00} now. I requested a detailed transcript of my account. Capitol One has no right to continue to charge late fees and finance charges in perpetuity once payment in full has been received by their merchant XXXX XXXX XXXX. This is simply harassment and an attempt to extort funds from innocent consumers and needs to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

No XXXX XXXX I went into my bank Regions and requested a H.E.L.O.C. Filled out the application and submitted it to Regions Morgage dept for an approval of my loan. I did not believe that it would be a problem, because I knew that my score was XXXX from XXXX XXXX XXXX XXXX, reported my score to regions Bank as XXXX. 
I knew that it had to be a mistake, so I had Regions submit my application a second time on XXXX XXXX where it came back a second time as XXXX from the same company XXXX XXXX XXXX After speaking to my bank. I called XXXX XXXX on XX/XX/year> and spoke to and employee by the name of XXXX. Who instructed me. To speak to my bank again. So, I am writing this complaint to resolve this. This has caused me great stress and money because I was unable to acquire the loan. I have enclosed the documents from my bank and XXXX XXXX. I would like to take legal action against the company that is responsible for my damages.
Product: Checking or savings account

Somebody withdrew 10 times {$1000.00} total XXXX at the same day from my business checking account at Chase bank without my authorization. Chase bank did not inform me about these suspicious activities. I found out about this fraud. Chase bank did not do thoroughly investigation and rejected my claim.
Product: Checking or savings account

Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.
Product: Debt collection

THIS COMPANY Sequium DEBT COLLECTOR DID NOT VALIDATE THE DEBT I SENT A CERTIFIED LETTER ON XX/XX/20 GOT NO RESPONSE ALL OF SUDDEN THIS POPPED UP ON MY CREDIT REPORT WITHOUT PROVIDING THE LEGAL INFO I ASKED FOR
Product: Vehicle loan or lease

Vehicle was up for repossession, me and the lender agreed upon settlement agreement payment plan which will put hold on repossession. Vehicle gets repossessed from repo agent after me and lender agreed on a settlement agreement. I call lender about our agreement and they tell me it was void without me knowing or informing me of the situation. I paid money towards a settlement agreement which me and lender both agreed upon and after my vehicle still gets repossessed and lender tells me that the settlement agreement is voided, without informing me. I was told repossession is out on hold when we made the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the XXXX which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX  me over.
Product: Debt collection

Upon reaching out to the creditors regarding the validity of the debts associated with these accounts, I received no response or verification. As I scrutinize my credit report, I observe that these accounts are incorrectly being reported as late payment accounts. I hereby demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I want to emphasize that XXXX has already complied with this request, recognizing the discrepancies and taking corrective action. It is perplexing and concerning that your credit bureau seems to be neglecting my status as a victim in this situation, and I can not comprehend why you are not complying with the law when other bureaus have followed suit. I am writing to formally dispute and demand the immediate correction of inaccuracies on my credit report pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Product: Debt collection

They call me every other day at least. I don't know what the loan is or how much it is. They keep calling for my husband after I gave them his number. I gave my husband their information.
Product: Debt or credit management

Last year XX/XX/year> - I started with National Debt Consolidation. They fauled my Credit Scores. So now I have low Credit Scores. They seemed good at 1st. Very misleading. So now I have to fix my own Credit Problems. They even had my Credit Cards closed out. Which is Ridiculous & Upsetting to me. This Company shouldn't be in business. They are at fault. They need to fix this. 
Thank you.
Product: Credit card

I was charged for a service I was suppose to get XX/XX/23 in XXXX of this month of {$520.00}. 
The vendor did not provide me service. As I had paid for her to come to me and do my hair and make up. She was not able to do this because her car broke down. I was alone with XXXX kids XXXX who has a XXXXXXXX XXXX I did not feel safe traveling to her home, she said she worked out of her home, not a business alone with kids and a child with a XXXX XXXX 
On the contract I paid {$150.00} extra for her to travel to me and she was not able to this due to her car issues. This was a breach of contract.
Product: Debt collection

In XX/XX/2023, I received a summons from debt collector Tenaglia & Hunt via a neighbor, alleging a debt of {$17000.00}. The summons threatened wage garnishment, property seizure, and credit damage if I fail to appear in court. This raises concerns about privacy violations and potential violations of Consumer Financial Protection Bureau ( CFPB ) regulations, which prohibit deceptive debt collection practices and false threats.
Product: Credit card

A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information. 
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month. 

I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees. 

This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX. 

Please help, thank you for anything you can do. - XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I was the victim of fraud on my debit card, as my card was used to practically drain my checking account of funds in the amount of XXXX. I immediately called it in, that same day. I was told I needed to wait until those transactions posted and then a claim could be submitted. On the XXXX, they posted and I submitted a fraud claim through the bank. While this was going on, I looked into where these purchases were coming from and who these merchants were. Turns out they werent real websites or merchants. They were inactive foreign sites that you can not access and offer no service or goods. Clear cut case of fraud. I was left with a drained bank account, and would not receive a provisional credit either. A few days later I receive an email saying that my claim was denied because no error was found. I was distraught and angry, so I call capital one, and am told that upon review, because I checked my account online briefly before reporting the fraud, that it was not in line with fraudulent transaction patterns and therefore they would not refund my money or protect me. The worst part is that they refunded me ONE of the fraudulent transactions in the amount of XXXX. Thats it. The rest of the money they refuse to refund for some unexplained and shady reason. I issued a rebuttal with screenshots showing that these werent even real merchants, they were unknown foreign entities that scam advisor had already flagged as fraudulent. Capital one still refuses to protect me and my money even with all of this, putting my safety as a consumer and customer on the back burner. I am in the process of getting evidence together with my attorney to bring it to arbitration, as this has caused me significant distress and are unethical practices by capital one bank.
Product: Debt collection

I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to Midland Credit Management.
Product: Credit reporting or other personal consumer reports

My disputes with Experian, XXXX, and XXXX are not being taken seriously. I have clearly outlined my personal information, such as my name and address, in my dispute letters, yet there are still numerous incorrect variations of my name and addresses listed that do not belong to me. 

My only name is : XXXX XXXX XXXX My only Employment title is : XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX