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

XXXX XXXX XXXX XXXX XXXX - You are reporting that there is a balance of {$12000.00}. This should have never been reported to you guys as the statement never closed and We have reported this as FRAUD. These are not my charges and they said to reach out to you guys to remove off my credit report as this has brought my score down. - Card was opened last month ( XX/XX/XXXX ) Inquires - These need to be removed as I am getting sick and tired of fighting with you guys on them. I HOLD 0 Inquires with XXXX and XXXX. Why is Experian NOT doing their XXXX job. Remove these Inquires now as we are going into XXXX our home and i'm in the high XXXX Scores with XXXX  and XXXX, but with Experian, I am at a low XXXX score which is Incorrect. They advised me these need to reflect the other 2 agencies. 

Please DELETE / REMOVE the following : - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - Never authorized any of these to run my credit. 

XXXX XXXX XXXX are the only Inquiry I have approved to run on my behalf. I should only have ( 1 ) Inquiry on my credit report only.
Product: Credit card or prepaid card

On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2019, 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 or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( CAPITAL ONE AUTO FINANCE ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( CAPITAL ONE AUTO FINANCE ) of any sort. 

In regards to The company ( CAPITAL ONE AUTO FINANCE ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( CAPITAL ONE AUTO FINANCE ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request of you to remove the accounts and information you report on my Credit File which resulted due to identity theft. I sent a letter on XX/XX/XXXX, to remove accounts and infomation I found on my Credit Fiel that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Once again, I need you to remove the following accounts and information from my Credit File at the earliest possible time : XXXX XXXX XXXX Date Assigned XXXX XXXX Original Balance XXXX XXXX XXXX Date Assigned XXXX Original Balance XXXX XXXX XXXX XXXX XXXX Also, please send me copies of proof of verification from your investigation in the event you believe that the disputed items belong to me. If you can not find any documents to support your claims, immediately remove the disputed items from my Credit File.
Product: Payday loan, title loan, or personal loan

I requested and was granted by Onemain Financial a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. On two different occasions Onemain Financial reported me late to the credit bureaus adversely affecting my credit. Onemain Financial was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Onemain Financial failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit card

In 2014 I was contacted by a company named XXXX and offered the opportunity to make money online with their XXXX online business. I paid them {$4600.00} for one years XXXX program and XXXX affiliate pages. I only received XXXX pages and a virtual XXXX download that disappeared from my computer. When I noticed that my XXXX was missing I contacted the company was told that they were relocating out of the country but would still honor their contract. Needless to say, they did not honor their contract. The services were not provided. I was ripped off.
Product: Checking or savings account

Few days ago I checked by Wells Fargo bank accound and found out I suddently lost {$10000.00} on it, and I quickly discovered on XX/XX/ and XX/XX/ there are transactions of a total of {$10000.00} to one/multiple XXXX  account ( s ) with my name on it. I have never opened an account at XXXX, so I called XXXX and asked what really happened. They said it might be identity theft because they discovered that somehow someone was able to obtain my name, SSN and physical address to create a bank account at XXXX, the email address and phone number of the account at XXXX were both invalid. So people at XXXX assisted me to file disputes for both transactions, I also contacted Well Fargo about that and they also file disputes for both of them. I also filed a report on IdentityTheft.gov, and from my email I did actually receive some card fraud alerts from visa that some purchase I need to verify, but the last 4 number of the debit card on the email was XXXX which I am not fimiliar with. I contacted visa about this they say this card is from XXXX which again as aforementioned.
Product: Mortgage

1 ) I have a mortgage for a Rental property with MR. COOPER fka Nationstar 2 ) I was paying my mortgage religiously every month. 
3 ) Last month they increase the mortgage amount for more than {$400.00} dollars. I call questioning that they claim that was do it to raise in property taxes and also raise in Property Insurance. The property taxes claim is not accurate, for the contrary the taxes in the property have been reduce. In reference to the Property Insurance, it went up only {$200.00} in this amount if distribute on 12 months will be only {$17.00} more in the mortgage per month. 
4 ) I call them last month XX/XX/17, express my concern and they refuse to review the situation, instead try to convince me into refinance, with the inconvenience for me that the refinance will represent an extra $ XXXX in debts for me. 
5 ) I mailed to them the check for the amount that I understand should be my monthly mortgage as per them the check was returned. I do not received back. I was under the impression that they were working to resolve the situation, WRONG.

6 ) Yesterday, I try to log into the company website to pay my mortgage online, I was not able to, I do n't know if that was done in purpose. Then, I called and try to pay the amount I understand is my obligation, the system do not allow me to, they are demanding the full a amount and claiming that they do not cash the previous check. 
I desperate need some help with this matter, due to this action my credit will be ruined, I can lose that property which represent my life time saving and my health can be affected ( could not sleep the whole night yesterday ). I have a medical condition ( XXXX ). 
Please help me to resolve this situation. 
Thanks.
Product: Mortgage

My mortgage company is well Fargo worse bank u can deal with unprofessional very disorganized since XXXX i have been trying to modify hired so many lawyers took my money nothing happened when my house got hit by Sandy my house was totally damaged shifted insurance company paid {$180000.00} well Fargo held {$110000.00} only paid me {$70000.00} to fix not to mention i live on the water flood and wind zone frozen pipes every year there is something with the house i submitted insurance claim endorse the check to well Fargo never send inspection or give me the money i have receipt been fixing this house since I bought it well Fargo holding my money wont modify wont allow short sale they dont negotiate very well with the buyer not to mention will make the agent sick has to send them contract Prove of funds over XXXX00 times u call u get transfer from one department to the other everyone tells you something ask you to fax the contract again Redicilous then they will set a auction date while you are in process trying to sell the house in order to stop the auction i have to file XXXX XXXX which is coasty not to mention how many lawyers took our money did nothing werent able to modify or negotiate a short sale living under pressure and siege past 12 years whats wrong with well Fargo ? They need to assign every case to worker with name extension let that one person deal with the file very very disorganized bank unfair crooks. Right now Im in. Contact with a buyer since XXXX buyer and broker and attorneys submitted all papers more then 50 times we dint even receive denial papers if offer to low nothing just waiting anytime u call different story different people different papers .so they decided to put the house for auction on XXXX XXXX XXXX i dont know what fo do more? They refused all offered modification payment plane short sale. What can be done how can I stop well Fargo from this game stop the auction at least look at the buyer offer let me short sale my house walk away clean already Im drained 12 years living under siege messed up my credit fixing left and right scared to be evicted this is a joke
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IL, XXXX. 

TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Date Re : XXXX  XXXX + # XXXX Dear [ TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team ], I previously sent a request for investigation under FCRA 611 ( a ) to your company on [ Date Previous Letter was Sent ] regarding the following issues that account XXXX XXXXXXXX + # XXXX I received a letter stating that you have " verified '' the information. I am : now requesting that you provide physical documentation to support this information on my report. According to the FCRA, information must be 100 % verifiable and accurate ; otherwise, it must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report due to the. 
This is my second request for details purported eviction. If you can not provide the requested documentation within 15 days,
Product: Debt collection

I keep getting harassed by a company called Associated Credit Services accusing me of owning a debt I don't owe. I have told them multiple times they are barking up tree but they will not listen They are incredibly rude and condensing on the phone and when I ask for proof and paper work proving this debt than can't provide The worst/most fishy part is they refuse to speak any details of the " Business matter '' -- -- -I 'm not a business and as a retired vet i don't do " Business '' -- -wiith me providing all kinds of PII ( Personally Identifiable information ). 

But nope, they just keep calling. without being able to even provide evidence of this debt I spent the last 5 years recovering from severe  XXXX from XXXX and have been living a semi-normal life for the first time in a long time. These non-stop calls and attitude have triggered multiple panic attacks in me. I have not had a XXXX XXXX in over a year and a half until now.
Product: Mortgage

In approximately XX/XX/2020, BofA offered me their mortgage suspension program due to the Corona Virus. It is not forbearance thus I declined and have continued to pay on time every month with my latest payment XX/XX/2020. 

On XX/XX/2020 I received a letter from BofA saying Your Next Loan payment is due XX/XX/2020. I intend to continue the payment on schedule for each month regardless of their letter. 

I have tried to call the company and their wait time on hold is said to be 90min. I have tried to use their website and it says it is being re-worked and many options are not available. 

All I want is to understand why I was sent this letter as it appears they are trying to place me on their 90-day payment suspension that I do not want. This is without my consent if that is the case. Unfortunately, without being able to reach BofA I can not verify my suspicion that they are trying to get me on the  suspension program. I do not want on their program.
Product: Credit reporting

My Experian credit report displayed an address at which I 've never lived. XXXX XXXX XXXX XXXX, ma The only place in XXXX at which I 've lived is XXXX XXXX XXXX XXXX ma. That was over ten years ago.
Product: Checking or savings account

i was using a websites XXXX XXXXXXXX for backround checks then they charged me XXXX  dollar which is i thought fair then a few days later XX/XX/XXXX they charged me XXXX then XX/XX/XXXX they charged me XXXX dollars on another account i will talk to bank
Product: Debt collection

I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.
Product: Debt collection

credit card company illegally sold debit too collector but more than once so two collectors are calling and calling family
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

A person going by the name of XXXX XXXX called repeatedly on Friday XX/XX/23. She also called relatives of mine and left voice mails. The voice mails indicated she worked for a process services company and was trying to locate me by name. A claim number and phone number were left. After being contacted by one of my relatives concerning the call. I contacted the number left in voice mail, XXXX. Not sure who I spoke with, it was a women. She was claiming to be with XXXX XXXX XXXX and worked for the county. She stated they were trying to locate me to provide paper work and could not locate me. I provided the claim number and she informed it was for a debt owed to XXXX XXXX, a online payday loan company. I could not find any evidence of XXXX XXXX XXXX existing. My county uses XXXX XXXX XXXX to deliver lawsuits. This person I spoke with was using legal language that made it seem I had committed a crime of fraud and wanted details on why could not pay the debt. She insisted she did not represent the debt owner and was only trying to locate me for process services. I looked my XXXX XXXX account and found they had sold my debt to a XXXX XXXX XXXX. I was able to find a website for them. There are numerous complaints against them for using dirty illegal collection tactics. I sent a cease and desist letter via their online email address and will follow up with mailing a copy as well.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Fraudulent crypto transaction worth close to $ XXXX to fraudulent trading platform XXXX between XXXX and XXXX of XXXX.
Product: Mortgage

There was fraud committed by this company in the loan application process and the closing documentation as well. I have attached a letter that addresses the multiple issues. I sent this to the company CEO XXXX XXXX at the corporate addresses I found via the web and phone calls to customer service. I never received a response. I finally sent it to Customer service email address. I have attached the emails sent and received by a person claiming to be part of the executive offices, although his title does not indicate that position. There is clearly a problem with this company 's business practices and they are attempting to dismiss the problems.
Product: Mortgage

Just called today about modification a Shellpoint rep XXXX XXXX XXXX ext XXXX said UNDER 30 DAYS BOGUS SEE PROOF OF ONE FAXE XXXX have XXXX proof also and was emailed!!!!!!!!!!!!!!!!! Was never legally under review all BANKS SAY UNDER 37 DAYS WAS THERE PLENTY OF TIME!!!!!!!!!!!!