23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a credit report alert from my personal bank on XX/XX/XXXX of a new inquiry on my account with all three credit bureaus. I logged into my XXXX account to see a debt collection on my account. The debt was placed on credit report on XX/XX/XXXX. I have no knowledge of this debt and was never notified by the debt collector. I immediately file a dispute with XXXX of " no knowledge '', which XXXX refused to assist. Stating the debt collector said the amount owe and debt was accurate and verified. My question is my whom? I was not made aware of any debt from the debt collector or original creditors. I was able to file a dispute or complaint in the allotted due to the debt collector 's failure to notified me prior to XX/XX/XXXX.
Product: Consumer Loan

While reviewing my credit report, I see a credit inquiry from Synchrony Bank made on XXXX/XXXX/XXXX for XXXX XXXX XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they are NOT able to provide proof that this was made by me. I 'm XXXX sure that I did not inquiry about a credit account with this bank, especially for XXXX XXXX XXXX. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous communications regarding the unfortunate incident of identity theft that I have experienced. I am formally disputing certain entries on my credit report that have emerged as a direct result of this illicit activity. The specific entries in question do not pertain to any transactions for goods, services, or monetary exchanges that I have initiated or authorized. In the absence of corrective action, I am requesting the comprehensive removal of any information on my credit record that is attributable to alleged fraudulent activities or deception. The inquiries that require immediate attention and deletion include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

Hi, I have a new credit card with MicroCenter ( electronics store ) which is processed by Wells Fargo. 

They marked my payment late and have assessed {$58.00} in interest and late charges despite my bank saying the payment was early. 

Payment was due on XXXX. My bank sent it XX/XX/26 scheduled to arrive by XXXX. 

..and I see this now on a weekend and there is no one available to address the issue. I will call them Monday and attempt to resolve the matter. 

But Wells Fargo is synonymous with consumer fraud these days. Please put this on the list.
Product: Checking or savings account

On Saturday, XX/XX/2023 I deposited check with amount of {$2200.00} through the ATM in Capital One XXXX to my checking account in this financial institution. 
Normally money available fully ( if deposited through a cashier ) or partially ( if online ) but only if you deal with a decent bank. In case of Capital One these cheaters do not provide cashier service and instead of expedited on-line services they simply delay operations taking advantage of saving their business expenses in both online and offline cases for the cost of customers ' convenience. 
The check has come from well known job-related settlement of the Doe v. XXXX , Inc. lawsuit . The check obviously is legitimate and covered by XXXX and Settlement Administration so there is no doubt it would be paid. Capital One had enough time during long weekend to make sure the check is fine but instead on XX/XX/XXXX these clowns sent me email claiming " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid '' and availability of funds delayed. Really? Tell XXXX about these clowns ' opinion, what would they say. Besides such a statement was quiet offensive, the delay is totally unreasonable and inappropriate for me since I relied on those funds to make my car fixed and Capital One caused lost wages since I use my car for driving XXXX and soonest repair was essential. 
Furthermore Capital One placed restriction on my checking account claiming account was overdrawn. While the {$95.00} overdraft of an account is still not a solid reason ( it was not a first time account overdrawn and was always covered without any problem ) for placing any restriction on it, by the time they made such a decision they already had my legitimate check deposited and it was more than enough to cover the overdraft so decision they made was illegal. 
Now they are going to close my checking account ( without a good reason ) and my remaining funds would be paid by transfer to external account which cause additional delay of availability of my money for approximately one another week, which also has no good reason at all.
Product: Credit reporting or other personal consumer reports

My credit score plummeted from XXXX to XXXX in XX/XX/year> ( from good to poor ). I contacted the credit report agencies and they told me to ask my bank what happened because they received a report on an account information dispute from the bank. I called my bank and they told me that they have no record of any dispute or change in circumstances.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Transunion and XXXX REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle countless 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card

I tried to pay my XXXX balance if full by XX/XX/XXXX, which I did. They decided to Wait 3 days before processing it and by that time another payment was taken out of my checking account so the payment failed. I got charged {$93.00} late fee from Apple Card and {$40.00} from my bank for the bounced payment. When I found out that happened I immediately made the full payment. After I paid it I tried to protest the {$93.00} fee with no luck. I wake the next day to see Im getting charged trailing interest thats accumulating daily. I contact them to ask how to stop getting charged only to be told that I actually need to pay the late fee too, as part of the missed payment to stop Interest. I made a {$120.00} payment to cover the late fee and any trailing interest that was charged until then. Im still getting charged interest daily
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XX/XX/year> ; XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Debt collection

On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report
Product: Consumer Loan

1.Please see pay off amount attach to Harris bank XXXX as per bank letter payoff amount {$41000.00} 2. See attach XXXX XXXX XXXX 3. Harris Bank letter to XXXX no delinquent payments what about other XXXX credit reporting agency XXXX admitted to me some one keep changing auto loan information and she also told me car in XXXX I did not work with her my wife did.
Product: Credit card or prepaid card

I received a survey request titled " Chase in Partner with XXXX XXXX '' offering me a {$10.00} XXXX XXXX XXXX if I complete a quick survey to help Chase better understand my banking needs. 

Since this sounded potentially legit, I contacted Chase via secure message to ask if it was indeed legit. I received a secure message in response dated XX/XX/22 from Chase customer service agent XXXX confirming that the survey request I received was indeed legitimate. 

Based on that information, I took the survey, and within several hours I began receiving a barrage of SPAM and phishing emails that continue to this day. Previously I received very little junk email. Worse yet, the bad guys have begun targeting my computer with XXXX attempts that my antivirus software continues to block. Since responding to this quasi-Chase survey, I've received XXXX ransomware attempts in the span of just a few days. 

What's even worse? Chase customer service agents continue to respond to my subsequent secure messages re-stating that the survey I received was legitimate, telling my to respond to the contact address in the survey I received to inquire about my XXXX XXXX XXXX. I emailed that address and received no response. 

Also important is the fact that although I completed the survey based on Chase 's confirmation that it was legitimate, I receive a second survey request from the same parties reminding me to take the survey. Chase also claimed in secure emails that I was notified in my online account that I would be receiving a survey from XXXX XXXX, however my privacy choices with Chase precluded such an email ( see attached screenshot ). 

On XX/XX/22, I received a phone call from XXXX XXXX at the Chase Executive Offices explaining that she received my concern and was looking into the survey issue to determine if it was indeed legitimate. I followed up with XXXX a week later and she told me I had to be patient while she reviewed the issue. After not hearing from her, I followed up with her again on Tuesday, XXXX and have not received a reply. 

In the meantime my email and computer continue to be targeted with SPAM, phishing and ransomeware attacks.
Product: Mortgage

I was laid off from my teaching position in XX/XX/XXXX and due to lack of income missed three mortgage payments. We contacted Citmortgage, submitted all required paperwork for a Loan Modification through Citimortgage/HAMP and awaited their decision. During the next two years the Homeowner Support Specialists assigned to our account changed eight times. Each time, we submitted the paperwork in its entirety again. Each time we waited for a response but all we received were notices that our HSS had changed again and we needed to re-submit the paperwork for the modification. XX/XX/XXXX we received notice from Citimortgage attorneys that our home that we have lived in and paid for was to be auctioned in XX/XX/XXXX. We contacted the Citimortgage HSS that was currently assigned to our account and again submitted all paperwork for the loan modification. After approximately 30 days we were informed by Citimortgage that they were just the " servicer '' of our loan and that the note was held by a bank in Indiana. They said the bank from Indiana does not participate in the HAMP program so we would get no modification. At this point we decided to sell our home. The home is currently under contract for sale and we requested the payoff amount from the attorney representing Citimortgage. After we received the paperwork from the attorney we were shocked to see the interest and lawyer fees attached to our account. The amount takes away any chance of us to successfully move to another home. 
If Citimortgage knew all along this two year process that our loan did not qualify for a modification, why were we not told in a timely manner so that we could have avoided interest and lawyer fees for the past two years. This added up to XXXX which now makes the sale of our home through the real estate process impossible. It is our claim that Citimortgage did willfully and with malice, withhold information about the loan modification decision to drive up interest and fees to collect. Had we been made aware of the decision that our loan was not eligible for a modification, we would have sold our home two years ago, paid off the loan in its entirety, and walked away with some equity in the home that we have occupied, updated and paid for, during the last 28 years. Now Citimortgage wants to charge XXXX to us when it was in fact, the fault of Citimortgage that these interest and fees continued to climb. 
It would be in the best interest of all parties involved that Citimortgage would not collect this XXXX in fees and interest and that we could sell our home and move on with our lives. We believe Citimortgage delays the modification process on purpose through the many changes of Homeowner Support Specialists, does n't inform its borrowers of the decision in a timely manner, runs up fees and penalties and then ruins people 's lives in that process.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX  OPEN DATE ; XX/XX/XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX UNAUTHORIZED INQUIRES XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1800.00} XXXX/XXXX  XXXX {$440.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

XXXX XXXX XXXX repeatedly contacts myself and my family members for a debt I owe. I wish not to have my family members involved in my personal matters. They call them repeatedly which is unneccesary once they find out that is not my number they are calling.
Product: Debt collection

A debt to hsbc was paid as of XX/XX/2014 to XXXX XXXX, with XXXX XXXX  XXXX  showing as the owner of the debt. Today I was threatened with legal action on behalf HSBC by a company at XXXX. They refused to answer what state their lawn office was from. The attorney on the case was not available. The account number they had did not match my records. This is the second time I have been threatened with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from equifax i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX  and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you