23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells fargo has been fraudulently debiting my business account for $ XXXX since 2012 for a service that was never authorized. I contacted them about a year or two a go and they told me that they will remove it. I believed them and i moved on. I recently realized that there still fraudulently debiting my account for the {$10.00} fee called - XXXX XXXX monthly that i have no idea where it came from. I contacted wells Fargo again and this time i demanded that they investigate the charges and stop charging my account. They completed their investigation and confirmed the charges were never authorized and therefore fraudulent. I asked that they refund the $ XXXX they have taken from my account since 2012 and they said no they can only refund me {$120.00} for 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX investigation was not completed and I am being punished with incorrect information. I have reached out to Transunion multiple times with no success. I have 3 inquiries on my report that was not authorized by me. I spoke with their fraud department, and they refused to remove them. According to the fair credit reporting act, they must remove them. Also they are reporting bankruptcy information that is in accurate that needs to also be removed and they refuse to do so. ( FCRA ) states that I am entitled to an accurate credit report at all times, and Transunion is not abiding by the rules.
Product: Credit reporting or other personal consumer reports

In order to REMIND the XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion Credit Bureaus MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$1500.00} ; DPT ED/XXXX XXXX Balance : {$9500.00} ; DPT ED/XXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6300.00} ; DPT EDXXXX XXXX Balance : {$3900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT ED/XXXX XXXX Balance : {$2000.00} ; DPT ED/XXXX XXXX Balance : {$9000.00} ; DPT ED/XXXX XXXX Balance : {$1200.00} ; DPT ED/XXXX XXXX Balance : {$4200.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT ED/XXXX XXXX Balance : {$2600.00} ; DPT ED/XXXX XXXX Balance : {$5300.00} ; DPT ED/XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXXXXXX
Product: Credit card or prepaid card

Over the past ten years, received exceedingly prolific amounts of unwanted mail offering Capital One Credit cards. This large amount exposed me to an increased risk of identity fraud, listing my name and address along with blank application forms for their cards.

I recently received a statement for a Capital One card I had never applied for or used, leading me to believe that either : a ) Capital One opened an account in my name without my permission or b ) Capital One 's many advertising forms requesting that I apply for a card exposed me to additional risk of fraud and someone else opened the account in my name, having most of the required information to do so from these unsolicited advertising pamphlets.

I have since spoken to XXXX from Capital One 's fraud team, who has assured me the account has been closed ( Capital One Case # XXXX ), but could not yet provide me with a letter in writing of this closure or any unique reference numbers of their report to a credit bureau for 60-90 days. Additionally, I have had to file a police report ( XXXX XXXX  PD # XXXX ), create accounts and reports with the identity theft agency ( # XXXX ) and request an individual fraud alert of my own ( XXXX # XXXX ) without the corresponding filing number for the report allegedly filed directly by Capital One.

The entire process for rectification has put the onus on the victim to rectify without any compensation for time required or stress caused by Capital One 's irresponsible and aggressive advertising methods ( in its best light ) or direct actions of opening an account on my behalf without my consent ( in its worst light ).
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  being reported on my credit is not mine. I am listed as an authorized user on the account but I have nothing to do with the account and Equifax will not remove me from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a dispute for my closed XXXX XXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from Experian and XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to the point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Product: Mortgage

I would like to provide information regarding the modification process during XXXX. I first contacted Wells Fargo to advise of our financial hardship. At that time, XXXX XXXX - employee - advised we would qualify for a loan modification if we were 3 consecutive payments behind on our mortgage payment. We began the process, and started receiving foreclosure letters. It was acknowledge that, at that time, representatives were giving that information in error. They advised to either try to get my account current or try for the modification. 
So the process began…..The first modification they kept asking for me to XX/XX/XXXX the same documents over and over. They told me my time had run out and we had to cancel the requests in order to try a different modification. I asked if I could continue making payments so I would not be even further delinquent. They said “no” do not send any payments at this time. There is nowhere to apply the funds until the modification is approved. 
They finally advised the modification was approved and I started making trial payments in XX/XX/XXXX-XXXX XXXX. I never received my loan docs and when I called about them I was told not to worry that it was an internal issue. They advised they were having an issue with the subordination agreement. Then, I was told we had to start over again with a different modification because we were outside of the conversion time for the XXXX XXXX loan process. I could not believe it. I thought it was over. But we had to start the process over again. I was advised we did not need to send in any additional information or documents and nothing would change. I started asking questions regarding the rate and term and it was different from previously quoted. I was advised, if I did not agree to the modification and finish the trial period I would not be considered for another modification. 
We have saved all of the documentation received by Wells Fargo including my notes and the dates and employee names we spoke to during that time. 
We were hoping Wells Fargo would do the right thing without seeking an attorney. But apparently, you feel XXXX is adequate for years of torment. My husband had a XX/XX/XXXX during this stressful time of not knowing if his family would be put out on the street. We also had to pay an attorney XXXX   for advice and to see if we should file for bankruptcy. We are not sure how you came to the determination that we cancelled anything. We were advised to move to a different modification our request would have to be cancelled but it was from the referral of your representatives. Here is a list of Wells Fargo representatives we spoke to: XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. I can also provide you with my handwritten notes of dates and names. We do not accept your offer of XXXX
Product: Debt collection

Halsted Financial Service continuously emails attempts to collect a debt to XXXX, this email has no association with my business with Halsted and they have now disclosed balanced info to a third party without my permission
Product: Debt collection

I have no idea who AR Resources is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AR Resources is indicating that an account with the account number XXXX  was opened with their company in XX/XX/XXXX and account number XXXX  was opened in XX/XX/XXXX. I never opened accounts with them or anybody else. These accounts must be a result of identity theft or someone opening accounts in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AR Resources as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AR Resources } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AR Resources, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Debt collection

I am not aware of what this debit is. And I do not leave it to be mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Comenity Children 's Place card to a XXXX balance, paying off the full balance XX/XX/2022. I also closed out my card due to being unhappy with business practices. In XX/XX/2022 I received a balance for {$4.00}. I explained my card had been inactive and there was no charges made on the card prior to closing it as it had been paid off. I was told it was resolved. After being notified of a late payment reporting to my credit report, I continued trying to resolve but refuses to pay since I did not owe anything. Fees would continue to pile up and continue to affect my credit so in XX/XX/2022 I agreed to pay a reduced amount with Comenity taking off a portion of the late fees just finally resolve the matter. I agreed to pay if they cleared balance and accurately updated credit report. I was told I would receive a letter that I could also send to credit bureau to with update. Not only did Comenity not update my credit report but in XXXX they once again started saying I owe them and attaching late fees. As this is predatory and a way to continue to get money, I refused to pay. Comenity had continued to not only damage my credit with the Children 's Place card but sent me to collections for a debt I don't owe. They also did this same thing with my XXXX account which also reported inaccurate late fees and refused to send me documentation that they erased the fees because I didn't owe so I can send it to the credit bureaus and they refused to send anything to the credit bureaus to delete inaccurate late payments.
Product: Debt collection

I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month. 
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program. 
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ). 
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.
Product: Debt collection

Midland credit management is not licensed to collect debt in the state of GA per XXXX. I would like them to stop contacting me and remove the account from my credit report. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibited. they furbished thus account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and Cleary they violated my rights.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed incorrect information reported among the three bureaus of the date of the XXXX XXXX account opened.Theyre Two different dates shared among three bureaus which are XX/XX/XXXX and XX/XX/XXXX which is INACCURATE because you can only open an account on XXXX individual day. Also theyre no closing day reported for Experian and XXXX XXXX So that would be an incomplete report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a dispute to Early Warning services regarding incorrect reporting from XXXX  XXXX XXXX and they refuse to fix it. 

XXXX  XXXX XXXX reporting that I had fraudulent activity on my checking account and status shows as unpaid and opened which prevents me from opening any checking accounts at any bank. Ive contacted XXXX  XXXX XXXX and they said I dont owe them anything and balances across all closed account are XXXX. But Early warning services refuse to take action and correct this information or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

CAPITAL ONE BANK USA N XXXX
Product: Debt collection

They are contacting family members when they have my contact information and no that I do not live and reside at that address and phone number. The person calling is XXXX XXXX, acts specialist from Chase Pk services. Phone:XXXX XXXX XXXX, ext XXXX.
Product: Credit card or prepaid card

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX US DEPT ED? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : EMERGENCY CARE SPECIALISTS B ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXX/XX/XXXX Account number : XXXX XX/XX/XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX