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

While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my incarceration ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with XXXX XXXX XXXX on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Equifax and sent them the attached dispute letter, police report, proof of incarceration document, and other supporting documentation. On the first occasion in XX/XX/XXXX, they opened up a dispute, conducted an investigation, reviewed all of my documents, and determined that it was in fact a fraudulent account and removed it from my credit report in XXXX XXXX. It remained blocked from my credit report from XXXX XXXX until XX/XX/XXXX when it started being reported again. I filed another dispute with Equifax in XX/XX/XXXX and sent them the same documentation I had sent them back in XX/XX/XXXX when they properly removed the account from my credit report. However, since I re-disputed this fraudulent account in XX/XX/XXXX, Equifax has failed to stop reporting this fraudulent account again when there is no doubt that I could not have opened this account if I was incarcerated. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with section 605B of the Fair Credit Reporting Act, Equifax is failing to adhere to its responsibilities and block this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving mail that are addressed to my brother at my previous address. My brother has never lived with me at that address. Now I recently bought a newly built home and moved in. I am still receiving advertisement and collection mail at my new address. I recently used your department to resolve a credit issue in which my credit report had my brother 's information in it, but it was resolved. I would like to know who could still be linking my information to think my brother is either me or lives with me. This is a big issue because someone still thinks we are the same person. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I was involved in a scam.XXXX XXXX account had wrong billing information so I called XXXX to resolve the issue. The lines were disconnected and i received a call back from an individual falsely identifying themselves as employees of XXXX. The individual then informed that my XXXX account was being hacked. He told me I needed to buy XXXX  cards to contact the servers to fix the situation. After I got them, he told me that I was being hacked by XXXX servers and I needed to purchase " XXXX XXXX '' cards. I purchased some at XXXX grocery stores and they were telling me that some of the cards were working and others were not and that i needed to purchase more to have my phone unhacked. They were telling me that i was going to get a full refund because it was a problem that happy because of XXXX and XXXX. It really got out of hand and I didn't realize it could be a scam till one of the banks told me that these has been happening recently. I had no idea. These individuals were using tech jargon and giving ID numbers and phone numbers, I honestly should have known and I used poor judgment in this matter. A police report was filled.
Product: Mortgage

We were supposed to close on the loan attached three  days ago and have heard no update or no end in sight leaving the buyer and seller homeless living out of hotels with their children. 

Loan officer is below. Outdated pre-closing disclosure is attached. 

XXXX XXXX XXXX Mortgage Operations Manager NMLS ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Alliance Corp. 
XXXX | XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and correct : XXXX XXXX XXXX : {$20000.00}
Product: Credit card

XXXX Capital One refuses repayment plan to stop incurring past due fees// XX/XX/year> - {$100.00} payment ( {$130.00} due ) // XXXX {$280.00} account balance // XXXX {$40.00} past due fee // XXXX {$10.00} interest charges // XXXX {$40.00} past due fee ( {$53.00} due ) // XXXX {$370.00} account balance // XXXX Capital One refuses to remove or reduce late fees, or setup a payment plan, and claims the new CPB rule ( Regulation Z ) does not apply to this account ( normal major credit card - " XXXX XXXX XXXX' ) // Is the new rule applicable to my Capital One credit card accounts? I understand it should be. 
Also, is this rule retroactive, or to work on fees imposed after the bill was passed and before it was active XX/XX/year> ( today )? // Capital One stated my accounts would not qualify for the XXXX $ or 25 % maximum fees. Is this a lie? Which credit card issuers can I trust to not charge me 75 % of the monthly amount due or nearly 30 % of my total account balance in a single month in late fees? //
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft back in XXXX & Equifax has ignored my affidavit. I need to get compensated for this because its blocked me from getting credit. Equifax has really impacted my financial future in a negative way
Product: Debt collection

I had XXXX lines on a family plan with XXXX for me and my XXXX childIren. In XXXX My children transferred their phone lines to their own new accounts along with their phone and accessories balances. My daughter still has her line open today and my son switched to a military plan. I had to close my line due to losing my job and illness and the most I owed was {$170.00} for the past due usage and for my phone. XXXX sent a final bill {$3000.00} for all XXXX lines plus additional amounts that they would not explain. It was not for phone usage because they were quick to turn my phone off XXXX weeks after my bill was due if I did not pay. After fighting and disputing with XXXX for XXXX years they said they fixed the account and cleared it, but instead of clearing the account they sold it to Convergent Outsourcing. I filed for Convergent Outsourcing with XXXX and XXXX and reached out to the company itself and asked for a detailed itemized list of what they said that I was supposed to owe on XX/XX/XXXX and XX/XX/XXXX. Convergent OXXXX sent me a chopped up final bill just showing an amount and not what the amounts are for. I do not owe this amount so the information that is on my credit report is false.
Product: Checking or savings account

I was an employee until XX/XX/XXXX. When I left I filled out the forms to have my entire XXXX rolled over to XXXX XXXX XXXX XXXX. The majority of the money was rolled over to them ( stub from check dated XX/XX/XXXX attached ) and the transaction was recorded on XX/XX/XXXX. I received notice on XX/XX/XXXX that several XXXX dollars was still in the account and would be rolled over. I assumed to XXXX XXXX. On XX/XX/XXXX I received another notice from Citi stating that a XXXX XXXX Account was opened in my name for that money ( attached ) and it was moved there. I phoned them and the original agent emailed and tried to get me to fill out an application ( XXXX pp ) to open the account that they already opened. When I said I wouldn't do that and asked for a supervisor who said that they would close the account but didn't know what would happen to the money, but I would get a letter in 7 - 10 business days. She said that it may stay at the XXXX XXXX or maybe they would send me a check- not sure. Regardless, they opened an account without my authorization and then tried to get me to fill the application out later. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Continues to attempt to collect Zombie debt after the statute of limitations in the state of California. I submitted a formal request asking this debt be removed from my credit report and they did not respond nor did they remove it from my Credit report
Product: Bank account or service

This issue pertains to Regions bank and their overdraft coverage policy. 

For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings. 

This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft. 

XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool. 

When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication. 

Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either. 

Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed. 

For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.
Product: Credit card

i was first solicited XXXX by phone. i paid a deposit XXXX for a business opportunity. i was supposed to receive including but not limited to the following : XXXX marketing services, page setup, fill out available fields, custom url, news feed builder, like XXXX industry or niche leaders, install XXXX badge onto clients website, discovery report, competitor & industry analysis, research clients business model & offering, identify targeted customer audience, demographic, behaviors and interests, develop final discovery report detailing finding, strategy report.i was never given the product as described. XXXX gave me back the money on the same charge, same company.
Product: Debt collection

XX/XX/XXXX RE : Dispute Charges@XXXX Account : XXXX XXXX XXXX I received a letter dated XX/XX/XXXX ( see attached ) for a charge of {$250.00}. I have no idea what this charge is for and have called several times to dispute this charge to no avail. 


XX/XX/XXXX Spoke to XXXX, gave her the details. After about 20 minutes on hold she told me it was for breaking a digital contract. I told her that I dispute the charge and I asked for proof that I signed a contract. She said she notated the account someone would call me back, no call back. 

XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she couldnt help and transferred me to billing. Said she inputted notes into the system. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she was with retention and couldnt help me, she then transferred me to customer service. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX and explained again the letter I received. She told me she could not give me her ID. She said the charge was for unlimited digital phone plan from XX/XX/XXXX to XX/XX/XXXX. I told XXXX that I formally dispute this charge and request a full credit for the disputed amount. She then transferred me to her supervisor. 

XX/XX/XXXX XXXX pm XXXX ( supervisor ) said there was an auto renewing contract and the fee to break the contract was {$200.00}. With all the surcharges and taxes on the {$200.00} it came to {$250.00}. Said she would call me back for sure on XX/XX/XXXX, never did. 

XX/XX/XXXX Received collection letter from CCS I had been a very loyal XXXX customer for almost 18 years. I respectfully request that this amount be credited to {$0.00}.
Product: Debt collection

Case Facts : XXXX XXXX XXXX XXXX XXXX  XXXX ) provided utility services to XXXX XXXX at XXXX FL, XXXX from XXXX to XXXX. Upon moving from this residence XXXX XXXX never received any communication from XXXX regarding the amount due for these services. XXXX XXXX never received communication from XXXX regarding the amount due to be turned over to a collections agency. 
At some point XXXX turned the amount due over to Credit Collection Services ( CCS ). CCS never communicated the amount due to XXXX XXXX. XXXX XXXX was not aware that an amount was due until he seen the amount due reported on his credit history. During XXXX XXXX investigation to determine if the debt was valid, XXXX XXXX contacted CCS to pay the debt believing it would be removed from XXXX XXXX credit history. 
XXXX XXXX did not give CCS consent to disclose the debt or receive payment for the debt from XXXX XXXX. XXXX XXXX asked if the debt would be removed from XXXX XXXX credit history to which a representative of CCS told her it would be marked as paid in full. The representative did not clearly explain to XXXX XXXX that the derogatory account would remain on XXXX XXXX credit history. 
CCS is guilty of disclosing XXXX XXXX debt to a third party without the consent of XXXX XXXX. CCS is also guilty of using deceptive and misleading language during a phone conversation with a third party in order to collect the payment. 
XXXX XXXX made several attempts to resolve this issue with CCS. In XXXX XXXX good faith, he spoke to multiple representatives and a supervisor at CCS about removing the derogatory account from his credit history. CCS refused to cooperate in good faith with XXXX XXXX. The two representatives at CCS made misleading statements about the Fair Credit Reporting Act ( FCRA ). These representatives claimed that the FCRA required CCS to report the account even though it was paid in full. The FCRA does not require the reporting of the account. The FCRA only requires that the information reported is accurate. CCS has the discretion to remove the account from XXXX XXXX credit history once paid in full. CCS is guilty again of making deceptive and misleading statements to XXXX XXXX. 
XXXX XXXX has experienced undue financial hardship due to CCS and XXXX  actions. CCS and XXXX have made derogatory claims about XXXX XXXX financial character. This has caused XXXX XXXX hardship in obtaining both personal credit and business credit for his company XXXX XXXX, XXXX. XXXX XXXX initially sought only to have the derogatory account removed from his credit history. Now XXXX XXXX seeks financial compensation in the amount of {>= $1,000,000} as well as having the derogatory account removed from his credit history. 
XXXX XXXX is retaining XXXX XXXX XXXX to handle this case moving forward. XXXX XXXX and his attorneys will consider filing lawsuits against either CCS, XXXX, or both to resolve this issue.
Product: Debt collection

I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.
Product: Vehicle loan or lease

I never purchased the vehicle, fraudulent report on my credit from United auto credit, i never purchased vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Consumer Reporting Agency on XX/XX/XXXX regarding unverified accounts from XXXX XXXX and Department of Education that have remained on my credit report. I originally disputed this information in XXXX of XXXX and multiple times in XXXX of XXXX as per my previous CFPB report. I was provided an investigation in response to my original dispute and was not provided verifiable information that supports that this agency can report these accounts. I also submitted a final notice of deletion via mail in XXXX of XXXX due to receiving inconsistent reports from Equifax regarding my results, and these report numbers were included in my mailed letter which was also provided to the FTC in XXXX of XXXX. Finally, in XXXX of XXXX I requested proper verification for these accounts and have been provided no new information that has been different from the unverifiable information provided during my first dispute. A total of 4 representatives from Equifax confirmed over the phone on XX/XX/XXXX that this information has still been unverified according to the FCRA but still remains on my credit report. These 4 representatives and Equifax are ignoring 15 USC 1681b by refusing to remove this information that they have not received permissible purpose to report.
Product: Checking or savings account

On XX/XX/2021 my checking account was overdrawn. Despite previously enrolling into overdraft protection and notifications I was neither notified nor protected. My wife told me the following morning that at XXXX she received a notification of overdraft on the account. At XXXX I funded the account from a money market account. PNC charged a {$36.00} overdraft fee. I called and upon talking to a customer service representative who informed me PNC could not remove the fee. This is contrary to 1. the account being funded within 24 hours per the advertised " low cash mode '' https : //www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html available for PNC XXXX XXXX customers and 2. the financial institution incorrectly showing I did not enroll in overdraft protection which would have mitigated this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX employments XXXX Florida XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Equifax made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 we traded our XXXX into the dealership and used it to buy a new car. At the point the dealership was supposed to assume and payoff any existing loan, which they did but late, so now I have a " >Account 30 Days Past Due Date< '' payment on my credit report. I have tried contacting XXXX ut my dispputes haven't worked.