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

Experian sent a " Sign in to confirm your car '' email claiming " There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. '' Upon logging in, they showed me a set of cars that might be mine and asked to send my data to insurance companies. 

I don't own a car, and nothing on my credit report indicates that I do. This is a blatantly dishonest marketing tacticsending me alerts about information THEY fabricated about my credit report to trick users and earn insurance kickbacks. 

The email specifically says " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. '' However, I've confirmed that my Experian Credit Report says nothing about a car. This is a marketing email using fabricated data.
Product: Debt collection

I received a letter in XX/XX/XXXX from Frost-Arnett Credit company stating I owed a total of {$2400.00} from XXXX XXXX XXXX. Before this account went into collections, I had asked to hospital to send me an itemized bill due to not knowing where my {$1700.00} payment, on top of my insurance, went. I received a summary of my treatment, but no specific dates my payments were made, no amounts of what my insurance paid, ect. I  wrote them back to dispute the collections asking to receive validation that I owed this debt on XX/XX/XXXX. I then stopped receiving calls. On XX/XX/XXXX, I received a letter stating that the agency was unable to verify the information requested and that they were to return the debt and cease collection of the account. On XX/XX/XXXX, I received another letter with the same account number stating I owed {$930.00} and that I had failed to respond to previous communication regarding my bill, and that I was to pay the amount owed.
Product: Credit card

The original problem began on XXXX when I tried to submit my payment the company decline my payment multiple times and told me it was my bank I called my bank and they said it was them I tried to make the payment again with ach info and the payment finally went through later on XXXX The company sent me and adverse notice after having my account open for about two years & stated they closed my account because they could not verify my identity. Ive alway kept my information up to date and they havent requested any information from me. I reach out to them then they changed the department to the fraud department claiming Ive committed fraud theres no one I speak To in reference to this and Im concerned my information may be at risk because Ive never done anything fraudulent in the account all payments are under my information with funds that clear. in the email response they state the decision is final which will ruin my credit score having the acct history removed ( for I made all my payments on time under the the account ) i feel this is unfair and if theres something going on with my Personal information I should have the right to know since its going to impact my personal credit. I would like my account back open with no damages done to my credit profile in reference to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - {$84.00} TRS Recovery Services XX/XX/XXXX - {$18.00} TRS Recovery Services These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved. 

XX/XX/XXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''. 

XX/XX/XXXX An unauthorized inquiry was made for XXXX  line of credit. 

XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX  ''. 

There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report. 

There is also a line of credit through XXXX XXXX. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!! 

On XX/XX/XXXX a AI generated call was made to XXXX + using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX  then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXXXXXX XXXX  account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!!
Product: Payday loan, title loan, or personal loan

XX/XX/2019, They are making calls to my job and harnessing me when I tell them to not call they stated that don't care and that they will continue to call anyways.
Product: Checking or savings account

On XX/XX/year>, a charge of {$1100.00} appeared on my account that I did not authorize. After discovering this charge, I questioned my son, who informed me that he had signed up for a 30-day free trial with XXXX using my XXXX account XXXX Despite the trial being advertised as free, I was unexpectedly charged the full amount of {$1100.00}. 

I immediately reached out to XXXX and received a response from an automated system, stating that they would review my claim and follow up. However, no further communication has been received from XXXX as of this submission. 

Upon further investigation and realizing the unauthorized use of my XXXX account, I opened a dispute with XXXX, hoping to resolve the issue. Following advice from a friend, I decided to contact my bank, Chase, to request a formal dispute of the charge. On XX/XX/year>, I contacted Chase, and they informed me that I would need to fill out dispute forms through a claims tool available within their app. However, after thoroughly checking the app, I was unable to locate the claims tool they referred to. 

Given the circumstances and the unsuccessful attempts to resolve this matter directly with XXXX, XXXX, and Chase, I am filing this complaint through the Consumer Financial Protection Bureau in the hopes of achieving a timely resolution and receiving a refund for the unauthorized {$1100.00} charge. 

Actions taken : XX/XX/year> : Unauthorized charge appeared on my account for {$1100.00}. 
XX/XX/year> : Contacted XXXX and received an automated response. 
XX/XX/year> : Opened a dispute with XXXX. 
XX/XX/year> : Contacted Chase Bank and was instructed to fill out forms that were not available within the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that XXXX XXXX XXXX is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from XXXX XXXX XXXX ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that XXXX XXXX XXXX will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureuas once more, to remove the remaining accounts completely from my Credit file. This CFPB complaint will be my 3rd attempt to inform the Credit Reporting Agencies that I was a victim of identity theft and I am submitting this Complaint to dispute certain accounts in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Here is the list of accounts that should aloe be removed completely from my Credit report : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}. I am grateful for the Credit Bureaus actions to remove some of the disputed accounts from my Credit File. However, I am in need of their help to remove the remaining accounts from my Credit report once and for all. I am submitting this CFPB complaint pursuant of the Fair Credit Reporting Act section 605b.
Product: Checking or savings account

Available balance showed more than enough funds before 4 occurrences of credits leading to 4 overdraft fee charges. Bank of America representative ( supervisor XXXX XXXX in Michigan ) claimed it fees were valid without any further explanation and just hung up on me.
Product: Checking or savings account

My card was compromised in XX/XX/2021 I provided Bank with the proof that I could not be two places at once and my claim still was denied. I am asking my bank to take a second look bc when I contacted merchants its clear that within hours the card was physically being used in multiple places in and outside the United States how Is this possible and not fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX, XXXX. {$15000.00} closed my account after taking my securities. 
XXXX. XXXX XXXX  inquiry from the automobile dealership that I didn't give them permission to run my credit through these banks/ lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries that have been reported on my credit report that also doesn't have my permission to be on my report. also, this car dealership gotten my securities without me getting any compensation which is also fraud to run my securities under multiply bank without my knowledge or permission. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX inquiries that reported on my credit report without my permission and also did fraudulent these such as took my securities. 
XXXX. XXXX XXXX  XXXX. {$800.00} a collection that is inaccurate that doesn't associate with me anymore that i already paid for.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect their consumers but has also allowed their system to be exploited leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I noticed negative items in there the accounts I am referring are listed below.
Product: Credit reporting

I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : Factual Data - XXXX Mortgage / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX / Mortgage / XXXX/XXXX/XXXX Factual Data - XXXX XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX / Mortgage / XXXX/XXXX/XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX / Banks / XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHLD SUPP VA - 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 a account without my written instructions
Product: Debt collection

1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i purchased a home in XXXX and that was my last hard inquiry i authorized. after that there has been XXXX different hard pulls to my credit report. From an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I called transunion and tried to get it resolved but they said it was nothing they could do, so thats why i am contacting the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on myself and husband credit report we did not apply
Product: Debt collection

Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports.
Product: Credit card or prepaid card

Inaccurate reportings of my payment history for my Citi XXXX XXXX Card. 1st it had XX/XX/XXXX showing a late payment, then it changed to XX/XX/XXXX and now it changed to XX/XX/XXXX. There is an inconsistent change happening here and I have the evidence to prove it. All 3 bureaus do not match and are reporting inaccurate information. Also not to mention I've made payments since XXXX of XXXX when my account was opened and wasn't being reported to the bureaus for the payments i've made. Yet again the reportings for all 3 bureaus are not matching.
Product: Credit reporting 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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a preapproval to carmax. Was told it was not affect my credit as it would be a soft pull. Received several hard inquiries. Contacted both the company and 3 credit bureaus, still no results XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

{$35000.00} of fraudulent charges ( from XXXX ) were assessed to my credit card and after several discussions and 2 billing cycles, Bank of America is reflecting me as past due and neglected to add all fraudulent charges to the dispute until today. The credit card was in my safe when the charges were assessed. The bank was notified of fraud after $ XXXX, but incompetence allowed for another $ XXXX. 

I am concerned regarding credit reporting.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} {$30.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Mortgage

Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to XXXX.
Product: Student loan

I contacted XXXX to schedule an exam for my XXXX XXXX XXXX certification and they told me that I had a five year period to take the exam and that my training was obsolete. I then contacted the Justice Dept and Higher Ed Dept. To ask them why must I pay for an education that I could not use.
Product: Checking or savings account

On XX/XX/2018, I ( XXXX XXXX ) ordered an official cashiers check at a local BB & T branch located at XXXX XXXX XXXX XXXX XXXX, SC XXXX. The check was made out in my name ( XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX and XXXX cents ( {$2100.00} ). I requested this check on my own accord because I planned to close my account at BB & T and place the remaining funds into my XXXX  XXXX savings account. I endorsed my name on the back which is verified by the scanned images attached to this document. On XX/XX/2018 the check was electronically deposited by my mobile device into my XXXX XXXX Savings account. Please refer to Attachment No. 1 scanned document of the cashier check. On XX/XX/2018 my XXXX XXXX savings account had an adjustment debited for the amount of {$2100.00}. Once I was made aware of this I had started my own investigation process to determine where the funds were transferred to. 

On XX/XX/2018, I met with BB & T Branch Banker XXXX XXXX to discuss my account issue and to determine where my funds have been transferred. After XXXX XXXX research, she informed me that the funds had been physically deposited a second time to a XXXX XXXX XXXX location in XXXX, SC. The account belonged to an individual that opened the account at XXXX XXXX XXXX location in Virginia. Under XXXX XXXX recommendation, I filed a police report with the XXXX XXXX Police Department. I contacted an investigator at XXXX XXXX and informed them of the situation. XXXX XXXX launched their own investigation into the account and sent a copy of the second deposited check with alterations made to the bottom of the endorsement line. Please refer to Attachment No. 2 scanned document of the altered scanned document. 
The check was taken from my possession and wrote a Pay to ( Person 's Name ) description with a signature under my own endorsement. This was conducted without my knowledge or permission. I requested that BB & T and XXXX XXXX banks investigate the matter and have received no attention or concern.
Product: Checking or savings account

I was put in XXXX XXXX buy XXXX XXXX bank for XXXX XX/XX/XXXX its impossible I live had a fraud alert on my credit since XXXX of XXXX to call me when anything is open in my name I would like this removed I owe nothing to XXXX XXXX my consumer Id with XXXX XXXX is XXXX