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

I am filing a formally complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. XXXX XXXX XXXX
Product: Debt collection

I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.
Product: Vehicle loan or lease

I leased a XXXX  XXXX in XXXX in XX/XX/2020 and moved to XXXX about a month later. According to the lease document from XXXX XXXXXXXX XXXX XXXXXXXX, in XXXXXXXX XXXX, I was to pay a total of {$750.00} Ohio sales tax for the life of the three-year lease which was divided up into 36 payments of approximately {$20.00} that were included in my initial monthly payments of {$310.00}. 

When I moved to XXXX in XXXX, Hyundai Motor Finance tacked on an additional {$22.00} in XXXX sales tax. So now my total monthly payment is XXXX and I am paying sales tax twice on the same vehicle. 

I have tried every outlet. Hyundai Motor Finance refuses to deal with this matter and referred me to the State of XXXX and State of XXXX sales tax departments. I contacted both agencies to resolve this matter and was denied by the State of XXXX saying the vehicle was leased there and thus its their right the money, whereas the State of XXXX, after giving me the runaround for several months, eventually denied me also, giving no clear reason for their refusal. So I am up a creek without a paddle and have been paying sales tax twice on the same vehicle for 10 months and counting. 

No one seems to want to help with this matter which everyone agrees is wrong so I am contacting you.
Product: Debt collection

CAINE & WEINER COMPANY INC is the collection agency, XXXX  INSURANCE is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. 

When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX ( rep ) that I am disputing the debt. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs.

The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible.

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Product: Credit reporting or other personal consumer reports

I have noticed several inaccurate information on my credit report that need to be removed, I have names, addresses, and employers that needs to be removed. I have attached documentation proving my legal name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.

The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. 

At the request a former collection agency I reported the identity theft to XXXX XXXX police. 

I currently have a valid XXXX account that I have had for the past 18 years.
Product: Credit reporting or other personal consumer reports

many fraudulant inquires on my personal credit report that do not belong to me nor have i applied for any lines of credit or any loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance several times and have included documentation showing a payment was made and cleared my checking acct for the exact amount the creditor is showing as balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  credit reporting settlement order is In the Matter of : XXXX XXXX XXXX, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau . 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.
Product: Bank account or service

I made a wire transfer of XXXX {$2500.00} to my husband in XXXX XXXX more than 3 weeks ago, with Citibank. When I made the transfer, the receipt said the money would be available within 7 days. As of today, there is still no transfer. Citibank has blamed the receiving bank ( XXXX ) and also blamed the Treasury Department XXXX. I 've made contact with XXXX and neither are involved or are holding any funds. Citibank continues to make excuses on a DAILY basis and are offering no real help at all. Essentially, they have stolen my {$2500.00} and do n't care.
Product: Credit card

I was making payments on a Cancelled Credit Card in order to pay it off slowly by making small payments every month. The Bank raised the amount 2 or 3 times without my consent of knowledge. They also didn't pay others prepaid bills that were due so that they could collect more money toward this cancelled card, which made me extremely delinquent on several household bills. Some companies cancelled my accounts ( Insurance payments, phone payments, etc so they could apply more money to their Credit Card.

I admit to the Debt, but my intentions was NOT to apply All my money to the defaulted Loan. I believe I started out paying {$50.00} per month toward the Card in good faith to pay it off eventually. But the bank kept raising the amounts without my approval & without my knowledge. They are up to {$150.00} around the XXXX of every month. I tried to cancel or change the amounts but there was no option to do so. I Did ask to lower the payments & they said it wouldn't be enough. 

They told, me that someone had hacked my account & that they had to cancel my card. I was never informed as to who or what was done. But, during that time I couldn't use my Card to pay bills and I was never told what or who hacked it. Which meant I couldn't pay my bills without my card. They also said that I REQUESTED that my Card be cancelled. 

I am on Social Security & have XXXX XXXX. By taking so much money out of my account I can't pay my bills as needed. I don't know what I can do to Stop them from doing this... It started out as a gesture of Good Faith... and they used it to bring my Finances to an all time Low.
Product: Debt collection

On XX/XX/XXXX, Jefferson Capital sent a collection letter to me for {$180.00} XXXX ref XXXX. I disputed the debt in writing via XXXX XXXX. I discovered the collection account on my XXXX report. 


Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$180.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX This debt was alleged by XXXX but resolved by my complaint to Massachusetts XXXX XXXX XXXX XXXX XXXX. I received a letter from them on XX/XX/XXXX that included a copy of letter from XXXX  removing the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on October 23, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have reported lost identity and stolen on XX/XX/2022! Updated info and phone number! But the thief still opened the credit card at Chase with the old phone number!
Product: Debt collection

My recent credit report review showed multiple accounts that are unauthorized and incorrect. Please delete these fraudulent accounts immediately.
Product: Bank account or service

excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors
Product: Credit reporting, credit repair services, or other personal consumer reports

It states I owe a loan but I have never received it applied for any loans can u provide the documents original copy proving this my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account is not mine but appears on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX bankruptcy on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable
Product: Checking or savings account

complain wellsfargo accuse me of eldery financial abuse and that is affectin me my well being since i do not do that my granparents receive there money whenni withdraw it and if i use there checking account they gave me permission if for example i have a bill to pay i have the money cash i give it to my grandfather and he authorize me to use the funds never without there permission we had a problem when i didnt remember some withdraws made and they told me to make. fraud claim andnorder them new debit card now its XXXX me my XXXX being because i never been accused of that and its bringing me XXXX XXXX. my grandparent will be going to the bank and are speaking to the social service case worker im in processnof loooling for a lawyer to sue for XXXX XXXX this cause me!
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately. That being said the removal of 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.
Product: Money transfer, virtual currency, or money service

I have a Robinhood account and I had been locked out of XXXX so I called the supposed number for customer service. I spoke to them and they remoted into my phone and proceeded to try to use my Robinhood account to buy XXXX. Saying they where doing this to verify me and to make sure nobody was using my information to commit fraud. As soon as I realized what they where doing I hung up and stopped them. But not before they bought bitcoin and tried transferring it to another account. My account is now restricted on Robinhood with {$970.00} in my brokerage account I can't transfer back to my checking. I attempted several times to get into contact with an associate at Robinhood. They keep sending me the same message saying they are working on my account and will contact me the next day. This has been going on for XXXX weeks. They will not contact me or unrestrict my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account that was also a breach of contract (company sold the debt and I never agreed to nor was informed of this) with Experian. Not even a week later they emailed me stating that the fraudulent account will remain on my account. I called a a couple days later requesting a copy of the dispute, what they told the company, and what the company said and they claimed their terms of service does not allow them to do that. I called XXXX and XXXX and they both said yes they would give me that information if the case was not open, so I do not see why Experian would refuse me access to information that is vital to my credit and is part of my file which is mine to look at whenever I choose. I asked to speak to a supervisor and the rep argued with me until finally giving in. I was on hold for over 15 minutes when someone picked the phone up and hung up.