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

Contents of Complaint : This CFPB complaint has been filed in pursuant to FCRA 605B, ( 15 U.S.C. 1681c-2 ), that the CFPB is obligated to expunge any and all identity theft and fraud information from my consumer credit report within XXXX business days of receiving the complaint. The fraudulent inaccurate information, consists of : Unauthorized Accounts XXXX. XXXX XXXX credit card : XX/XX/XXXX ( Account # XXXX ) XXXX. XXXXXXXX XXXX XXXXt ( XXXX ) : XX/XX/XXXX & XXXX, XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX ( Account # XXXX ) XXXX. Regions Bank : XX/XX/XXXX ( Account # XXXX ) XXXX XXXX inquiries Fraudulent collections Rightful Demands XXXX. XXXX, ( within XXXX  Days of receipt ), removal of fraudulent items from my consumer credit reports. 

XXXX. Cease all collection activities related to these items. 

This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The stated accounts on my consumer credit report were not created by me, and are the result of identity theft and fraud. Therefore, I do not recognize the accounts reported on my XXXX consumer credit report. 
Please see the attached FTC Identity Theft Criminal Complaint, # XXXX, as supporting documentation, and proof, that the stated consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit report, as provided under my rights in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I request that you investigate and correct the inaccurate or incomplete information promptly. Under the FCRA, you are required to investigate disputes, verify the accuracy of the information, and correct or remove any unverifiable or inaccurate data from my credit report, due to data breach by credit bureau. I kindly request a written response detailing the results of your investigation and any corrections made. If your investigation confirms the disputed information, please provide me with the name, address, and telephone number of the creditor or data furnisher who verified the information. Per the FCRA, this investigation must be completed within 30 days of receipt of this letter. Failure to comply may result in additional actions to protect my rights under the law.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Debt collection

Persons from the CBE Group, based in XXXX, NC, keep calling me about an alleged debt of {$670.00} owed to the USPS for unknown reasons. When I spoke with a representative - who refused to personally identify themselves - and they told me why they were calling me, asking how I would take care of this matter, I asked what the alleged debt was about. They refused to tell me. I told the representative not to call me again and that I do not want them to contact me. This has gone one at least five more times. I refuse to answer subsequent calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 : {$0.00} XXXX XXXX  Balance : {$0.00} 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
Product: Credit card or prepaid card

XXXXPayPal Credit/Synchrony Bank has failed to credit a refund of a returned consumer item that I purchased and have documented proof. 
I purchased an air purifier from the XXXX company ( order # XXXX ) using PayPal Credit ( Synchrony Bank Funded ) on or about XX/XX/2020 for {$590.00}. The item did not work when delivered. A provisional credit was provided on XX/XX/2020 that brought my account to a {$0.00} balance. On XX/XX/2020 the {$590.00} charge was reapplied to my account. I still had the item and was waiting for instruction on how to return. I again contacted PayPal Credit and informed them of the situation. On XX/XX/XXXX another provisional credit of {$590.00} was applied to my account, again bringing my balance to {$0.00}. 

In time I managed to get a prepaid XXXX  label from XXXX and returned the item. 
The XXXX label tracking number XXXX was used and the item returned. XXXX received the package on XX/XX/2020 at XXXX XXXX  in XXXX, Il. 

Sometime in mid/late XXXX I contacted PayPal Credit again to find out what was going on with my refund and I was told that the dispute had NOT been found in my favor, even though the item was returned, and my balance was {$590.00}. This i immediately disputed, again. 

On XX/XX/2020 I checked my PayPal credit account hoping to find my balance had been brought to {$0.00} only to find that not only had the {$590.00} still there but I had additionally been charged another {$590.00}. My total balance in the account is now {$1100.00}. 
On XX/XX/2020 at approximately XXXX XXXX  EST I spoke to a representative at XXXX who did in fact tell me that they had received the item and that I would be receiving a refund. On XX/XX/2020 I received an email from XXXX XXXX from XXXX customer service that stated Good Morning, this is regarding crediting your PayPal account, unfortunately at this time we are unable. This is due to the dispute you that is still open with PayPal. If you close the dispute then we can credit your account, the dispute # is : XXXX. We look forward to assisting you! 
I do not have the purchased merchandise. It has been returned and this can easily be verified. I have not made any other purchases. These charges are erroneous and I need to be made whole.
Product: Credit reporting or other personal consumer reports

in XXXX around the XXXX i sent a request to equifax asking them to verify information they claimed was validated and verified. I have yet to receive any acknowledgement of my dispute letter and have not process anything i have sent this.
Product: Credit card or prepaid card

0n XX/XX/2020 my netspend western union pre paid debit card was used at a holiday gas station 6 times over the course of 15 minutes for a total of XXXX dollars when I recieved my statement I noticed that there were also other charges I didn't do so I went online to dispute the charges during selection of the transactions it doesn't tell which transactions are being selected and which are not it only gives you the list of all transactions made by that account so after a long waiting period I recieved a credit but only for 2 of the disputed transactions after realizing this I went back online and submitted a second claim well upon recieving my second claim my account was immediately closed stating that they noticed some high risk issues not much longer after that I received a denial on the remaining disputes and for the reasoning they stated since my claim was filed after the first that the charges were valid and so I requested a review of the situation explaining that the disputes were supposed to be together they again return with the same response then after this and then they had closed my account so they then sent me the remaining balance from the account in a check after a week of waiting for it when it arrived it was incorrect so once again I had to contact netspend during this conversation the gentleman states that the only reason the dispute was denied was due to it being filed after the first in they end they still have not corrected the issue in fact there response is now there are claiming the transactions were made at multiple stores over multiple days when in reality they were done at the same time at the same place the card never froze due to suspicious activity seeing the card was used to withdraw XXXX then XXXX then XXXX then XXXX then for XXXX then for XXXX and they allowed this also where the transactions were made were no where near where I usually had used the card or even remotely close to my home
Product: Checking or savings account

Capital One closed my account and will not answer my phone call. when you call on a closed account they put you to a voicemail which states " if we believe your call is important we will return your call ''. No one has returned my call and they continue to withhold my {$410.00}.
Product: Credit reporting or other personal consumer reports

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 I finance the vehicle from GM financial and in XXXX of 2017 I was in a car accident which ended being a total loss they still continue to bill me and they knew this car was a total loss then several months after the insurance paid the vehicle off they reported I had four late payments and it didn't take my insurance that long to pay it off. In addition, I was totally unaware of they continue to bill me. Moveover, four years later GM financial continues to report on late payments though the car is paid off. I contacted and told I was totally unaware of them continuing to bill me though I did not have the vehicle and that it's hurting my credit and they said they can't do anything. This is a malicious act by GM financial the vehicle been paid of for four year now.
Product: Credit reporting or other personal consumer reports

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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
Product: Mortgage

I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.
Product: Debt collection

These collections were placed on my credit report and I have no recollection of them. No one contacted me to try and resolve the issue.
Product: Checking or savings account

Bank of America put my savings account on a security hold for no reason at all. I always make larger deposits/withdrawals. I've asked multiple times to take this security feature off of my account, because they've done this before. It is almost impossible to get someone on the phone ( 2hr+ wait times ).

Any time I would get a rep on the phone they would have to transfer me and then I would get hung up on.

There's not been any fraud on my account. BOA did not reach out to me to clear that up, now I can't access my money. I'm on vacation, pregnant, and almost clear across the country.

This is terrible business and they are just holding my money hostage because of their bad business practice. I can't be the only one they are doing this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back
Product: Mortgage

Was in a repayment plan with Wells Fargo due to struggling with paying mortgage after divorce, they ended up foreclosing on my home even though I was sending payments. Today XX/XX/23 I received a check from them for an error when the loan was considered for payment assistance options. It has be roughly 10 years since the foreclosure happened and I really dont see how it was possible for them to foreclose on my home when they owed me money.
Product: Debt collection

I have contacted the creditor multiple times due to the fact that there are 2 of the EXACT same accounts, but different amounts. BOTH accounts were paid by insurance at the time services were rendered. NOT ONLY THAT, but the COLLECTIONS AGENCY is charging interest. that is NOT legal. That was not in the original agreement. I did not agree to, sign any documents on this matter. They should not be accruing interest. I have tried multiple times to settle this information and have it be corrected / removed. I am in the process of consulting a lawyer because i know my rights, and i know what WAKEFIELD & ASSOCIATES is doing is wrong, unethical and illegal.
Product: Debt collection

A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Product: Checking or savings account

XXXX, Regions Bank inquiries about unauthorize use of complainant 's Regions debit card. 

The Complainant traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gas pump # XXXX, on XX/XX/2022 at approximately XXXX pm to purchase fuel. At which point, he bought fuel at pump # XXXX for an approximate total amount of {$9.00} using his Regions Bank Visa debit card. That same day, he noticed a {$69.00} charge pending on his debit card in the transaction detail section of Regions online services, from XXXX XXXX XXXX XXXX MO XXXX. See the XXXX XXXX of XXXX document titled " Transaction Detail '' below on XX/XX/2022, after receiving notice that payments were no longer pending and the amount of {$69.00} was final. The Complainant immediately dialed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was unsuccessful in resolving this matter with the XXXX XXXX employee. This employee will be identified in the complaint as ( XXXX XXXX. The Complainant is owed an apology for interfacing with an ignoramus employee ( XXXX XXXX. XXXX XXXX, XXXX XXXX is the epitome of XXXX 's definition of ignorance. For the love of XXXX, again this employee will be identified in this complaint as ( XXXX XXXX. 
The XXXX returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, to obtain the gas pump number for this complaint. The following incident was observed by the complainant, as shown in the photos below : Pump XXXX was not open to the public at the time. The pump 's arm was covered in plastic, as shown in the photo below. The complainant also observed pump # XXXX displayed the same price as was charged to his Regions Debit Card on said date XXXX days later. 
In summary, the Complainant immediately demands that his Regions Debit Card be returned of the overcharged funds of {$60.00} and again an apology to deal with such ignorant employee. You can reach me at the address above if you have any questions about this request. The official submission of material synopsis of the event led to XXXX XXXX XXXX XXXX XXXX MO XXXX, as described above, overcharging my debit card of the said amount ; see attached photo titled Transaction Detail. Please note all affixed materials are made part of this complaint and will be used to justify the claim of overcharge on Complainants visa debit card ending with XXXX, as stated above. 

The top prosecutor in Missouri tried to settle this dispute but couldn't because the vendor didn't respond the way the complaint asked him to. However, Regions Bank exerts considerable influence in attracting the vendor 's attention, but more needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX and or other Credit Karma Employees, Per the ( F.C.R.A ) Fair Credit Reporting Act as a Federally protected Consumer, I, the Consumer recently checked my credit report and noticed over 100 promotional soft inquiries were made through your services, to be exact 103 soft inquiries were made without my permission, Its not about my credit score its about my personal and private information that ( you ) or your company violated Which at this time violates the Privacy Act of 1974. I am requesting that you provide me with the full and necessary documents to verify that you were given permissible purpose per 15 U.S.C 1681 B. You have 30 thirty day ( s ) after receiving this letter/affidavit to comply or settle in writing to the above contact information. Attached is an Invoice marked Exhibit B and will not be binding until ( 30 ) days have passed with no attempt to cure the consumer additional fees will apply after Every 5 days additional {$50000.00} will be added until I the consumer is cured, and further litigation will take place. See Attached Exhibit Sheet-A 2 pages the highlighted section belongs to Credit Karma. Please be advised that this is a binding contract once you receive this NOTICE!!! FOR HE WHO BRINGS CONTROVERSY MUST PROVIDE REMEDY!!!
Product: Credit reporting or other personal consumer reports

After carefully accessing my credit report I noticed credit Inquiries I have never authorized. 

CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX ( XXXX ), and I have 4 loans with XXXX XXXX XXXX. XX/XX/2024 loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan # XXXX ws past due. This letter was dated XX/XX/2024, and it took over 10 days to arrive and nobody called me nor emailed me before this letter. It was Sunday and I called XXXX next day on Monday and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help XXXX XXXX