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

I noticed that Experian, XXXX and XXXX XXXX XXXX were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( Experian, XXXX and XXXX XXXX ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.
Product: Debt collection

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX- {$51000.00} UNDER THE FCRB 605B THESE ITEMS WERE TO BE DELETED AND BLOCKED. THE NECESSARY DOCUMENTATION WAS PROVIDED TO XXXX UNDER THE FEDERAL GUIDELINES AND THEY REFUSED TO DELETE AND BLOCK THE THE MENTIONED ABOVE ITEMS. WHICH UNDER FEDERAL LAW MAKES XXXX SUBJECT TO ARBITRATION UNLESS OTHERWISE DELETED AND BLOCKED
Product: Credit card or prepaid card

Wells Fargo XXXX XXXX was opened fraudulently in my name around XX/XX/25. I contacted Wells Fargo to report this, card was cancelled and I put a credit freeze on all of my credit reports. I continue to report to the proper agencies. They tried again unsuccessfully on XXXX but it was blocked due to my credit report freeze. They had my personal information. Thank you for your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of the large XXXX breech, it has taken me nearly 3 years to remove items from my reports. I have 2 accounts and a few inquiries that are being defiant. Please assist me in removing the remaining accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$610.00} XXXXXXXX XXXX XXXXXXXX {$480.00} XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX we purchased several items from XXXX. XXXX. The total was {$5400.00}. The agreement made at the time of the purchase was that a portion of the purchase, {$2200.00}, was payable without interest over a period of 24 months. This calculates to {$93.00} per month. The remainder of the purchase, {$3100.00}, was payable without interest for a period of 36 months. This would calculate to $ {$88.00} per month. I have the receipt that states this information. 
From the above information, it would seem that I owed {$180.00} for the first 24 months and {$88.00} for the remaining 12 months. 
I began to receive bills from Synchrony Bank located in XXXX, FL, for the total amount of the purchase, {$5400.00}. These invoices began in XXXX of XXXX. 
For the first XXXX months I paid only $ XXXX month. I also attached a letter explaining that I was not responsible for the entire amount immediately. I feel the amount I paid, {$150.00}, was in error. I should have paid {$180.00}. 
Starting in XXXX I began to pay {$180.00} each month. 
In the statements from the bank there were financial penalties added to the account. 
Starting in XXXX of XXXX, 24 months after my original purchase, I reduced my monthly payment to {$88.00}. 
Through the XX/XX/XXXX payment I have paid {$4300.00}. This should result in a remaining balance of {$1000.00}. However, in my latest statement from the bank the remaining balance is {$2100.00} In XXXX of XXXX I met with XXXX. XXXX XXXX XXXX XXXX regarding this matter. He agreed that the terms of payment were as I outlined in point XXXX above, but was otherwise not helpful. 
In XXXX, XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, and explained this to him. He said that he would call XXXX. XXXX and ask their bank to acknowledge the original agreement. 
* At the time of the last statement from Synchrony Bank, I had paid {$4500.00}, with a remaining balance of {$890.00}. 
* Per the statement from the bank, the balance is {$2000.00} and I have a " XXXX XXXX '' amount of {$130.00}. 
Please understand that there have been numerous letters accompanying my monthly bank payments, but seemingly with no concrete results. 
I have also spoken with a representative from the bank, and that person dismissed my concerns without any explanation. 
Also understand that I keep very thorough notes and files and could supply anyone asking with a written history of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to XXXX XXXX. XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

{$350.00} Collection has been added to my credit reports from another state. The collection company is reporting it as an open account that's past due. Reported XX/XX/2024. Credit Management LP
Product: Mortgage

My mortgage company continues to call from the XXXX of the month asking me if I have made my mortgage payment. It is technically not late until the XXXX of the month but they start calling on the XXXX of the month until I either answer the phone and state it 's on automatic dialer.
Product: Credit card or prepaid card

Will have to review dates, amounts and actions that I took in response to charge made by XXXX . XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. All amounts charged by XXXX . XXXX were disputed both with credit card company and with XXXX . XXXX. Refund was issued by XXXX . XXXX. For some reason the statements that were filed in response to the last complaint issued for not receiving accurate information through online account system regarding payments and not receiving statements regularly included " re-bills '' of the amounts charged by XXXX . XXXX. This was not agreed upon and since the amounts were initially disputed and refunded over at least two and half years ago, they appeared re-billed on the statements in XX/XX/XXXX or XX/XX/XXXX. Again, this is the type of activity that raised suspicion whether or not the balance reported through this credit card company was accurate.
Product: Credit card or prepaid card

XX/XX/XXXX Received email indicating {$190.00} was charged to card by XXXX XXXX company XXXX ph # XXXX. ( fraudulent activity ). 

XXXX Disputed the charge with Bank of America as fraud. I had the XXXX XXXX ' company on the phone while making the dispute because they would not offer any compensation or valid refund. 

XX/XX/XXXX - We received a suspicious envelope at our home stuffed with something that sounded like pills, which we promptly discarded. 

XXXX XXXX - Bank of America says the dispute was not proven to be fraudulent, and that the charge would stay. We appealed that decision because this was fraud, we never made this purchase. 

XX/XX/XXXX, receive letter in the mail saying XXXX supported their end of the transaction by 'confirming we received the merchandise or service '. We did not receive product - I do not open suspicious packages. 

Current XXXX searches of " XXXX '' reveal many people have been frauded in the same method that we were.
Product: Credit card or prepaid card

On XX/XX/2020, I applied to Citi Bank double cash credit card. 
During the online application process, there was no prerequisite or any indication that indicate I need to be a citizen or a XXXX XXXX   holder to qualify for the card. 
And thus I continued the application and allowed the bank to run a hard inquiry on my credit report. 
However after the hard inquiry, I contacted the bank to check the status of my application, and I was told that the only way to approve the application is to provide a proof of US citizenship or green card. 
I am not a XXXX or XXXX XXXX, but I'm a XXXX XXXX ( an  XXXX with a pending XXXX XXXX XXXX ).,
Product: Credit card

On XX/XX/23 I used my Citibank credit card to pay a {$900.00} payment at my credit union. On the same day, I paid a {$900.00} payment on the Citibank credit card. I now understand this was considered a money transfer and I was charged a {$45.00} cash advance fee, as well as {$16.00} interest charge. I was told by a Citibank representative on XX/XX/23 that payments are applied to the minimum amount due in each category of charges, then to the highest interest rate balance. The minimum payment due at that time was {$83.00} due on XX/XX/23. I also paid another payment to Citibank of {$1000.00} on XX/XX/23, making a total of {$1900.00} paid for the month. Citibank posted and began charging interest on the {$900.00} on XX/XX/23. In spite of the {$1800.00} payment above my minimum payment they only credited a couple of XXXX of that to my highest interest rate balance of {$900.00} leaving {$640.00} subject to a 29.99 % interest rate. Rather they applied it to my much lower balances. I was told they will not credit payments made to the highest balances until the next statement. That seems unfair since they charge interest immediately, but will not apply payments made above the minimum to the highest balance until the next statement where the balance shows, thus forcing the consumer to pay the exorbitant interest rate. I was also informed they charge interest on the interest that has accrued. That seems excessive, greedy, and unfair.
Product: Credit card or prepaid card

I received a statement from XXXX XXXX - XXXX XXXX around XX/XX/2019 showing a balance of XXXX. This is a fraudulent account. I have never applied with XXXX XXXX or ever made any purchase from them. 
I called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social Security number even though I had received statement to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social Security number. I have dealt with credit card companies in the past and they have never asked for full Social Security number. I do not trust giving them this information over the phone. 
I sent letter refuting the account and informing them the account was FRAUD and ID theft. The letter was sent around XX/XX/2019. I filed report with FTC and used form letter from IdentityTheft.gov website. I attached the report and copy of statement for fraudulent account. 
XXXX XXXX continues to send junk mail but they have never confirmed the fraudulent account has been closed.
Product: Debt collection

We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted XXXX and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the XXXX CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
Product: Credit card

I received a letter about applying for a Capital One credit card. It asked for more information.

I did not start this process.

I called Capital One and gave them the application Id and my name and asked them to stop the process.

They would not help me until I gave them my date of birth and last 4 of social security number. 

Since I do not want to do business with Capital One, I do not want to provide them with my personal information.

They would not help me at all without my personal information. This seems to be very wrong.

I spoke with a supervisor, who reiterated that without my date of birth and last 4 of social security number they could do nothing. 

Since I did not start this application, how could I know what data the person who did supplied. And if what I supplied did not match, then they would not help me. 

I have the letter they sent to my house, with my name and their application ID, how is that not sufficient for them to stop the process? 

Supplying them with my personal data would seem to open me up to more fraud - not less.
Product: Checking or savings account

I have been banking as a " Private Banking '' Chase customer for 34 years. I convinced my new husband to move his accounts there as well. 
I was out of town and got a text asking if I made a transfer for {$4000.00}. I didn't so I said no. 

I then got a call a while later asking if i made a transfer from a certain account.That was not my account but apparently my husbands sole owned account. I told the fraud department to call him not me. They should never have called me because my info is not aligned to that account only joint accounts. 

They didnt call him; denied the transfer and froze him out of all the accounts. 

They refuse to acknowledge or fix the problem. 
They wont even put in writing the situation. 

I can not be legal to call someone that is not aligned with an account and then freeze the account because they won't call the actual owner. 
I have tried to get this fixed but they said they did nothing wrong and will not change anything, I am writing but the name on the account is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio recovery account # XXXX date opened is different from XXXX then experian XXXX date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX  date of last active XX/XX/XXXX experian date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.
Product: Credit card

I contacted Chase XXXX customer service on XXXX/XXXX/2015 to pay off my credit card. I spoke with supervisor XXXX, she gave me quote of {$1400.00} and I asked her to close my account. I confirmed with her atleast twice about no further payments or charges. She said, this is the only amount I need to pay and the account was closed on XXXX/XXXX/15. I paid the amount in full right away. Today on XXXX/XXXX/2015 I received a new statement with new balance of {$11.00}. I called the customer service and spoke with another supervisor XXXX XXXX. He said, he saw the notes of my previous conversation with XXXX on XXXX/XXXX/2015 and he even confirmed the pay off amount but he said, it could have been a mistake on XXXX 's end or maybe she did n't understand me properly that 's why she gave me wrong quote, which is off by {$11.00}. But I have to pay the {$11.00} because this charge is valid. If the employee ( S ) make a mistake, Chase should take responsibility of their under trained employees instead of making their customers pay for a valid mistake from Chase 's end. I feel like I have been defrauded and scammed by chase and I should not be paying the {$11.00} of charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud restriction was placed on the XXXX  XXXX account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. XXXX was notified to note that no access to statement and pay information could result in negative outcomes
Product: Student loan

I have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported
Product: Credit reporting

There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

I am not liable for this debt with Kinum Inc. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested multiple times. Pursuant to 18 usc 8. I owe no debt this company is violating my consumer right to privacy pursuant to 15 usc 1681b 2. Company has also No permission to report anything using my information to pursuant to 15vsc 16814
Product: Checking or savings account

Thursday, XX/XX/XXXX was my payday, but my direct deposit was missing from Capital One. I verified everything with my employer who confirmed the deposit. Friday, XX/XX/XXXX I received another deposit for my student loans, they send text confirmations of all deposits. Those direct deposit funds were not in my account at Capital One. 

Not only were my deposits missing from the checking account, the bank overdrew the account but there was not a visible transaction to see why it was negative. Additionally, they froze all the funds in my savings account. There was no way to transfer funds out of the savings through XXXX or even a simple account transfer. 

I had no access to cash, nor could I use my debit card. No one could XXXX me any money either. Capital One bank did not approve any transactions. It was a holiday weekend. Capital One offered no true explanation then or now as to what happened and why. On Saturday, XX/XX/XXXX at XXXX AM my XX/XX/XXXX deposit hit. On XX/XX/XXXX at XXXX PM Capital One sent written communication on a negative balance alert stating how I can replenish funds. 

Sunday, XX/XX/XXXX, Capital One sent email communication that the system issue was resolved. 

On Tuesday, XX/XX/XXXX I contacted Capital One again asking about the second deposit. Before creating a case, their representative was trying to get me to agree that suspected fraud was the reason for my deposit delay ( please ask for the recording ). I declined telling that lie and she went on to explain that is their process. They opened a case without me agreeing to that. On Wednesday, XX/XX/XXXX, I received the last pending deposit.