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

Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( XXXX XXXX and wells fargo ), wells fargo said that there were no accounts opened but XXXX XXXX said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX XXXX, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 



15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, 15 USC 1666b ( a ) : ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experain has refused to answer my disputed items. See attached paperwork.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As it was follows. 


XXXX XXXX XX/XX/2023.
Product: Debt collection

Dear CFPB Team, I am submitting this additional complaint to address ongoing inaccuracies in the reporting of debt by National Credit Systems ( NCS ) on my credit report. 

Background : On XX/XX/XXXX, I discovered that NCS was inaccurately reporting a debt of {$6500.00} as open and outstanding. The original creditor is listed as XXXX XXXX XXXX XXXX This information is incorrect because this debt was paid in full on XX/XX/XXXX. 

I provided NCS with a Paid in Full Letter as evidence of this settlement, which was attached to my original complaint submitted on XX/XX/XXXX. Despite this, NCS continues to report the debt as open. 
Companys Response : In their response to my complaint, NCS stated that the original creditor contends the debt is valid and provided supporting documentation. However, the documentation provided by NCS does not reflect the fact that the debt was fully settled in XX/XX/XXXX. NCS has failed to acknowledge the clear evidence I submitted and continues to inaccurately report this debt to credit reporting agencies.
Product: Student loan

I 'm having problems making payments on my student loan serviced by AES ( contracted through XXXX ). I am told the ONLY way I can make payments on my loan is to give them my bank account information. I am not okay with this at all. I have other loans being serviced by other companies that have no problem taking payments over the phone with my debit card. So since AES refuses card payments, the only way I can pay my monthly is to let it go past due and have a XXXX party collection agency take the card. This would be fine if not for the past due/late fees that are absolutely ravaging my credit. Their customer service is terrible and runs me around in circles every time I contact them about this beyond the point of frustration. This set up is ultimately going to lead me to paying extra late fees every single month and more than likely defaulting on this loan for absolutely NO GOOD REASON.
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 items 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 any item listed on an id theft report. 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$63.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00}
Product: Debt collection

This {$39000.00} debt is not mine. I sent a registered letter on XX/XX/XXXXstating the debt is not mine nor have I ever even went to the college in question. They sent back 3 promissory notes from the college signed by another individual, and a typed statement with my name in place of the original borrower on XX/XX/XXXX. I thought that would be the end of it as they sent me the promissory notes clearly with someone else 's name on them, however, AlliedInterstate sold the loan apparently to XX/XX/XXXX and now once again I am getting letters for payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting an allege charge off account on my consumer report listed as XXXX XXXX account # XXXX I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from TransUnion, XXXX, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ).

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Multiple fraudulent transactions posted to my account with out my consent, not one fraud alert was sent out to notify me as of today I'm down {$4000.00} and the bank is refusing to provide credit. Well fargo is a criminal institution that has had multiple fraud cases against then. My account was over drafted multiple time due to this issue wells fargo has failed to protect my identity and funds.
Product: Debt collection

Since XXXX, XXXX XXXX XXXX to collect {$420.00} from a service they never provided me alleging they bought XXXX XXXX XXXX XXXX XXXX XXXX whom I ended the 3 year term contract for failing to repair damaged equipment, as security cameras, door and window sensors. Notification was mailed 1 1/2 month prior to the end of the 3 year contract term to avoid another year auto extension. XXXX collections companies had tried to collect and had been removed from my credit report but they still affecting my credit by submitting the same collection under different collection company. Now XXXX has dropped XXXX point ( from XXXX to XXXX ) of my XXXX XXXX due to this nonsense action. XXXX, XXXX and XXXX already received this collection in XXXX under XXXX XXXX XXXX. In XXXX XXXX received it under XXXX XXXX. Every time the credit agencies remove the collection another collection company report this fraud to the agencies and affect my credit.
Product: Money transfer, virtual currency, or money service

I was a victim of a mortgage related wire transfer fraud. I was scammed to send {$10000.00} to the scammer. 

- Day of the scam : XX/XX/23 - Amount : {$10000.00} - Scammer 's Bank and account they use : XXXX number : XXXX Account Number : XXXX Account Name : XXXX XXXX The wire transfer was initiated by me, from my bank XXXX, to the scammer 's bank i.e. Bank of America. My bank XXXX is in the process of trying to get my money bank and I do not have any issue with them. 

My complaint is against Bank of America. I called BoA to create a BoA case to report fraud occur with their account number. I was pretty much told by the rep the originating bank XXXX XXXX XXXX will handle all fraud complaints with BoA. I, as the offended party, could not create a case, or some sort of record with BoA. 

When I asked, what if any steps, are going to be taken against the account, I was told my local police had to call BoA. In short, I, as a consumer, am not able to create a case with BoA. 

- I was deeply upset that BoA is not interested in preventing fraud. 
- They appear to be fine with being complicit in fraud. 
- I have no hope or expectation BoA will take the next steps to close down this fraudulent account and stop or prevent this activity moving forward. 

Either # 1 the scammer is XXXX XXXX, and BoA are knowingly aware of this fraudulent activity, or # 2 scammers can simply open fraud accounts with BoA under false names and BoA systems are so poor they can not detect this fraudulent activity. 

Details - BoA complain - I called this number ( XXXX ) which is Bank of America Fraud department. 
- I called on XX/XX/23 at XXXX XXXX CST - I spoke with the BoA rep : XXXX no last name, ID number : XXXX
Product: Payday loan

I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.
Product: Credit reporting or other personal consumer reports

Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/2023 Capital One Dispute Department Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me XXXX XXXX XXXX, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from Capital One records, as I did not authorize the opening of the following accounts : 1. Account Number : # XXXX 2. Account Number : # XXXX ( Business Card ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX  and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

This company is clearly discriminated against me. 
On XX/XX/2022, I complained about an agent being rude and unprofessional. On XX/XX/2022, an agent contacted ma and left a message threatening to charge-off my account. 

XX/XX/2022, I spoke with the collection department supervisor about all the prior issues with agents not providing accurate information regarding payments I made on my account. Today I found out the decreased my credit limit from XXXX to XXXX I will be filing a discrimination lawsuit.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to bring to your attention a collection account on my credit report, which was reported on XX/XX/XXXX, by XXXX XXXX XXXX. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : Washington Gas Light Company Account Designator Code : INDIVIDUAL_ACCOUNT Date Assigned : XX/XX/XXXX Account Number : XXXX XXXX Original Amount Owed : {$300.00} Amount : {$300.00} Status : UNPAID Comments : Consumer disputes this account information I have not received any information from XXXX XXXX XXXX regarding this collection account, and I believe there are inconsistencies in the reporting. I request your assistance in investigating this matter and, if necessary, facilitating the removal of this collection account from my credit report. 

I am particularly concerned about the accuracy of this information, and I am formally demanding its removal due to the lack of supporting documentation and the presence of errors. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN VIOLATION OF MY RIGHTS AS A CONSUMER ... I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Product: Debt collection

I have continuously made letters to business as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX in request to the following information regarding the sale or auction on the account listed. I've asked this business to provide all documents of when and the amounts in which the vehicle was sold or auctioned. I've asked for the deficiency balance or surplus amount following the sale or auction of the vehicle, as well as the original balance of the vehicle. I was told via telephone from a XXXX that they do t have any info in reference to acct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, fl XXXX
Product: Mortgage

I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXXXXXX XXXX in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my CARD.COM card, my XXXX XXXX XXXX, my XXXX XXXX my XXXX XXXX and cash ), laptop, etc. were all in the room at the hotel. I was iXXXX at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX. Since I was incarcerated, with NO access to my to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on 3 separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
I originally filed a Transaction Dispute with CARD.com, on their website on XX/XX/XXXX at XXXX. Then on XX/XX/XXXX, I had to add more disputes and send them my arrest report, etc., which I did. CARD.com asked for additional information, which I uploaded on XX/XX/XXXX and XX/XX/XXXX. CARD.com denied my Dispute, so I filed a CFPB Complaint # XXXX on XX/XX/XXXX and they reimbursed me for {$630.00}, but there is still an outstanding balance of {$1000.00}. So, I filed another Complaint # XXXX that they were looking into it and would notify me by mail. CARD.com responded on XX/XX/XXXX : We have reviewed the documentation included in XXXX XXXX complaint and have filed a dispute for the additional XXXX transactions that occurred between XX/XX/XXXX, through XX/XX/XXXX. The claim can take up to 90 days to be resolved. XXXX XXXX will receive documentation regarding this new claim via mail. Should you or XXXX XXXX require any additional information feel free to contact us at ( XXXX ) XXXX. As of XX/XX/XXXX, CARD.com has not contacted me via mail, email or phone. 

On XX/XX/XXXX, I filed a Complaint with the XXXX XXXX XXXX  Complaint # XXXX. To date, CARD.com has not responded. 
I called CARD.com on XX/XX/XXXX, and was informed that my claim was denied because I had this same issue before. Of course Ive had the same issue because its THE SAME ISSUE!!!!