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

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block 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  opened XX/XX/XXXX under the account number XXXX, A personal Loan from XXXX XXXX XXXX opened date XX/XX/XXXX under account XXXX, A personal loan XXXX date opened XX/XX/XXXX under account number XXXX, and a Collection account from XXXX XXXX XXXX XXXX date opened XX/XX/XXXX under account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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, collection, 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 result of identity theft and fraud. I have attached a copy of FTC identity theft Criminal complaint # XXXX as proof from US Federal Trade Commission that all aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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/block any items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I just found out my little cousin has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way. 
I dont know what the difference is but I need my case handled correctly like the court case discusses about the disputes. Please dont do my stuff wrong.
Product: Payday loan, title loan, or personal loan

I purchased a motorcycle in XX/XX/XXXX and the loan was paid off in XX/XX/XXXX. I never received a release of lien in the mail. I am now in the process of trying to sell my bike and realized I ldid not have the " release of lien ''. I contacted Synchrony Bank on XX/XX/XXXX to obtain a copy of the letter. After a lot of dead end leads and being sent to the wrong departments, I was told on XX/XX/XXXX that it would take 4-6 weeks to get me letter. On XX/XX/XXXX I followed up to make sure they were processing my paperwork and sure enough there were not. I was told that they would expedite it and have it to me by the end of the next week ( XX/XX/XXXX ). On XX/XX/XXXX I called again as I still had not received the letter. The girl I spoke to read through the notes and said the letter had not been mailed yet. The would put the request through again and it would take 7-10 days. I then made more calls and got ahold of a " manager '' and she told me that it was mailed out on XX/XX/XXXX. She lied because I never received the letter.. On XX/XX/XXXX I called again and of course it still hadn't been processed/mailed. I was told AGAIN that they would expedite it. I asked if they could XXXX it to me and I would pay for the charges. I was told they could not. On XX/XX/XXXX I followed up yet again. Still not processed but said they would XXXX to me the next day and I should have it on the XXXX. Still did not get it. I tried to get the tracking number and was told they would call me back with it but they definitely sent it to XXXX on Monday XX/XX/XXXX. They did not call back. I called on XX/XX/XXXX to get the tracking number from them. I called back on XX/XX/XXXX and they said they would again put in the request to have the letter sent through XX/XX/XXXX and, again, I followed up on XX/XX/XXXX to see if they actually did it this time. Of course they did not and I was told it was going to be processed that day. I followed up on XX/XX/XXXX ( today ) and it has not been processed as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which are found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit card or prepaid card

On XX/XX/2019 I took a taxi in XXXX XXXX  XXXX, used my Chase Sapphfire Reserve credit card and was charged {$1100.00}. This was fraud as the taxi ride was only {$11.00}. I have submitted two fraud claims to Chase, both being denied due them stating the transaction was valid, as my card was used before and after for valid transactions and my chip was used. I did not authorize the amount of {$1100.00} for this taxi ride. Please help me get this fraud claim approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$1000.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days, Experian, XXXX and XXXX haven't shown prove that I owe XXXX XXXX nothing. 

On XX/XX/23 I sent all three credit Bureaus a 609 letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection from diversified consultants was listed on my credit report for {$580.00} for XXXX XXXX. They did not send me any notification they were placing this on my credit report. This is not my debt and I can provide proof that whatever address was in service for this debt, I did not live At. They can NOT validate the debt as this is n't my debt. I am tired of this debt that 's not even mine being passed around and sold after proving the debt is n't mine. I will be filing suit at the attorney generals office if this is sold again and not immediately deleted.
Product: Debt collection

I was told to pay off this debt and it would be removed from my credit. It was a bilateral agreement and they breached their contract with me. I paid the balance and it was once removed from my credit na snow it has been added again and they will not agree to take it off. 

My reasoning for my pride? Why would I pay for the bill it it still affects my credit exactly the same ad a negative report. I have good credit and worked hard earnestly through Covid and this is the result. Money hungry collectors. Please have XXXX remove from my credit. 
I would appreciate it. 
Thank you
Product: Credit card or prepaid card

With this credit card company they keep hitting my credit reports with how they are lowering my limit but everytime they do this I am not showing that I am way over my limit. A example they are saying my credit card limit is {$1800.00} but I am {$1900.00} over and saying my promotional ended but I never recalled anything being promotional or adding on late fees when I have always paid on time. I keep getting notifications everytime they lower it but now it looks like im over spending cause of this. The company completely ignores my emails addressing my concerns. I am not the only person who has issues with this company also. 

This is care credit card
Product: Debt collection

I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
<P/>
In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX  credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).
Product: Debt collection

I was notified of this fraudulent collections account in XX/XX/year>. I immediately disputed with all credit bureaus. It has been removed from my credit report but I am still receiving mail stating that they are still investigating the fraudulent account. Police reports, and requested information will be sent to the fax number : XXXX
Product: Debt collection

This is now our XXXX complaint against Midland Credit Management. 

The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be. 

Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case. 

We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate data on my Transunion credit report on XX/XX/XXXX for an account XXXX XXXX XXXX XXXX that was reported as charged off in XXXX. On XX/XX/XXXX Transunion falsely claimed to have contacted XXXX XXXX and verified the results which resulted in no change to the inaccurate information. When I contacted XXXX XXXX, not only did the information not match what Transunion reported but another reporting agency XXXX XXXX XXXX verified completely conflicting results including a different charge off date, date of last payment, and on time payment activity.
Product: Money transfer, virtual currency, or money service

My phone was stolen from me and funds were taken from my account using the Chase Mobile app. With Chase 's Zero Liability Protection it mentions I wont be held responsible for unauthorized charges made with my card or account information. When I saw funds were taken from my account I reported it to Chase. 

The claim was denied saying it was an authorized transaction. I then submitted my police report describing the situation, explaining that I did not make this charge. After this, they are saying they still can not reimburse me for the charges.
Product: Credit reporting or other personal consumer reports

Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX Account Number : XXXX  XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX BANK Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX, XXXX/XXXX, 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: Checking or savings account

Wells Fargo has failed to correct IRS reporting of an amount of {$5100.00} for tax year XXXX, 1099 form is attached here showing reported amount to IRS. This amount represents a payment from Wells Fargo Remediation Program sent to prior address after I moved, intercepted by another party, fraudulently cashed. Wells Fargo reps replied to numerous prior CFPB complaints in re by referring to check as cashed, which was fraudulently, an affidavit filled out and investigated .... The cashing bank, XXXX, shows no funds in their account to send to Wells Fargo to cover item, claim rejected.. Wells Fargo refuses to reissue check, provide reasonable settlement offer, or correct IRS reporting information. I was referred to a tax professional in re, in which case, the professional advised Wells Fargo needs to correct IRS reporting information or I will be liable for tax penalties.
Product: Credit card or prepaid card

Citi card has agreed to reverse a fraudulent charge of {$290.00} on XX/XX/XXXX ( see attached Citi letter ) but has not issued a credit to the account yet to date. Since XX/XX/2023, the charge has been shown as deliquent and the credit card company charged late fees twice. 
To resolve the issue, we called the credit card company numerous times but each service rep who answered transferred us to another rep many times without getting it resolved, ending up spending almost an hour each time we called.
Product: Debt collection

Problem : I received a mail from Phoenix Financial Services, a debt collector, who is collecting a debt for a stated date of service over 5 years ago that I never once received a bill by any service provider or creditor as specified ( XX/XX/XXXX date of service ). I am reporting Phoenix Financial Services for collecting a debt and incurring me this stress about an obligation I never once were notified. I am not aware IF the original creditor, as stated in the mail, " XXXX XXXX XXXX XXXX' is also a part of the problem for selling my information to XXXX XXXX XXXX, XXXX, who placed the account to Phoenix Financial Services ( debt collector ). Based on the mail as I read it, it seems like a SCAM, which is the reason why I'm reporting Phoenix Financial Services. Please see below. 

XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL XXXX, a debt collector, stating that I owed {$2100.00} for a date of service XX/XX/XXXX ( over 5 years ago ) from an " Original Creditor '', " XXXX XXXX XXXX  ''. The mail states that I owe the currrent creditor, " XXXX XXXX XXXX XXXX '' {$200.00}. However, if I pay Phoenix Financial Services before XX/XX/XXXX, I would only have to pay {$80.00} or else Phoenix Financial Services " may continue to report me to the credit reporting agencies as unpaid for as long as the law permits this reporting '' and adds to state that it will not sue me because of the age of the debt, implicating to add to the stress by using the word " sue ''. This is VERY CONCERNING that at my age, I am vulnerable to this potential SCAM. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having several issues with TransUnion and reporting out dated information. I have disputed with them on several occasions to no avail. I am hoping your company can possible intervene and help me get this resolved. I have done extensive research on credit reporting and how long something is allowed to stay on one 's credit file and all research indicated that the statue of limitations is 7 years from when an account first becomes delinquent and never again went current. For whatever reason TransUnion is the only credit reporting company that shows the old debts. I have attached a copy of some of the debts that TransUnion insist on reporting and indicating the year they are to be removed goes past the statue. They report one of the accounts twice! XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX account number XXXX shows twice yet it was actually charged off over 8 years ago. There was only 1 account ever with XXXX XXXX and again that was over many years. The other one started with XXXX  XXXX XXXX and the first missed payment wasXX/XX/XXXX then they transfered it to XXXX XXXX   who transferred it to XXXX XXXX. None of the accounts should be reporting on credit, all are past the statue of limitations.
Product: Credit card or prepaid card

Recently, on XX/XX/XXXX, I was assessed a {$19.00} annual fee for this account. I attempted to seek a waiver of this fee as I have in the past, due to the age of the account and my loyalty I have generally had no problem getting the fee waived. I spoke to a supervisor in Capital One 's regular phone customer service department after a regular representative was unable to assist me. In the past 6 years I have had this account, I have been offered an upgrade/product change one time, and there have never been any subsequent offers available to enable this account to grow with me. I was offered a credit line increase once in the last 3 years of {$250.00}, and none since that time. I have other accounts with much higher limits. I have never been late or delinquent on this account, and yet Capital One has become even more rigid in terms of the account. The supervisor stated that fees can not be waived unless their " system '' determines I am eligible for a waiver, or I close the account within 30 days. She also stated Capital One has become less lenient in giving their basic representatives or supervisors the ability to waive fees as a courtesy. I would hate to close a 6 year relationship over a {$19.00} charge and the inability to provide any sort of limit increase or product change. This is currently my only account with such a fee.