23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. 

They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. 

IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. 

Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... 

That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! 

If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!
Product: Credit card or prepaid card

i have contacted Goldman Sachs at XXXX in regards to the interest rate that appears to be a subprime consumer rate and informed Goldman Sachs about this and the customer service isn't able to rectify this issue my credit score is in the mid XXXX 's and i dont want this rate.
Product: Checking or savings account

I used an ATM in XXXX and the machine had an error. I submitted a claim and it was not resolved and Wells Fargo withdrew money from my account. I submitted a photo with evidence and they still havent resolved the issue meanwhile I was charged fees due to not having these funds.
Product: Credit reporting or other personal consumer reports

I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. A copy of the original documentation relied upon. The name, title, and contact information of the individual or entity that conducted the verification. pursuant to the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), and under Section 605B of the FCRA ( 15 U.S. Code 1681c-2 ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S. Code 1681i ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Original balance {$65000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing about this case that I have been trying to get a resolution for a while now regarding the Wells Fargo ( WF ) account that is reporting an inaccurate Date of First Delinquency ( DOFD ) on my XXXX credit report. It is within my consumer right, per FCRA law, that my report is accurate. 

The DOFD I got in a letter from WF is XX/XX/XXXX, but XXXX is reporting the DOFD as XX/XX/XXXX. This change clearly has an impact on when this account needs to fall off. 

I have disputed this account numerous times to give XXXX and XXXX a chance to correct this mistake, but that has not happened. I disputed this inaccuracy on XX/XX/XXXX with proof from the WF letter showing the correct DOFD and XXXX just sent me dispute results that the account came back UPDATED. 

XXXX did not clearly verify this info from the data furnisher ( WF ) because if they did, per law, they would have found the inaccuracy in the DOFD. 

XXXX and WF are violating my FCRA rights. 

This account continues to adversely affect me.
Product: Checking or savings account

Ive been having monthly service fees taken out of my account from Wells Fargo. Theyve been hitting me with fees even though I have direct deposit set up. My account ended up overdraft & they claim that they have put the money back into the account but they have not put all of it back.
Product: Debt collection

XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, XXXX this XXXX to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report. 
I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : XXXX XXXX Account Number : XXXX Account is showing a balance with a charge off as it's closed. please delete Instruction : Please Delete Immediately
Product: Checking or savings account

On XX/XX/XXXX, I noticed fraudulent charges on my XXXX  credit. I called XXXX  XXXX  and they fixed the issue. An hour later, I noticed a new charge on my Truist checking account. I called immediately and reported the fraudulent card/possible stolen debit card information. After XXXX week Truist allowed the charge to clear and sent me a letter stating the debit card was present and legitimate. I called requesting information from the fraud investigation and no information was ever sent to me. I later sent a letter stating I was not present for this debit card charge nor had I authorized the debit card charge through any mobile device. Truist did not protect my account or monitor for fraudulent activity. They also did not address my concerns and continue to state the charge was authorized despite my multiple reports.
Product: Credit card

I, the consumer and natural person was denied for an extension of credit by AMERICAN EXPRESS on XX/XX/XXXX  when I applied for a credit card. 

Adverse action against the consumer is UNLAWFUL according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability according to 15 U.S.C 1692k. American Express is subject to criminal liability for violating 15 U.S.C 1691, as I have proof of discrimination due to the response received from you and is enclosed. 
American Express is in violation of 15 U.S.C 1642, U.S.C 1681m, and C.F.R 1002 ( Reg B ) as I, the consumer have a right to credit and applied in good faith but credit was not extended to me. 

Furthermore, the fact that my Social Security Number ( Credit Card/ Account ) was used and I received no benefit, is fraudulent activity committed by AMERICAN EXPRESS as unauthorized use per 15 U.S.C 1602p and constitutes unauthorized use/ Identity Theft.
Product: Debt collection

In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.
Product: Bank account or service

Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was having problems paying my mortgage due to my mothers sudden death which I ended up paying for. I started having back issues XX/XX/2020, which caused me to miss work a lot. XX/XX/2020, I was put in contact with XXXX XXXX XXXX. They told me they could help me get a modification on my mortgage, and would get a fresh start because I could not afford a repayment plan. I paid them 3 payments of {$1200.00} for this service ( total of {$3600.00} ). This process started XX/XX/2020. Around the middle of XXXX I received a phone call from XXXX XXXX XXXX stating my mortgage company ( Carrington Mortgage ) denied my modification request and would only agree to a repayment plan of {$3.00} per month for 6 months. I explained to them I was just getting back to work full-time and was playing catch up and would not be able to commit to paying double the amount of what my regular mortgage payments are. XXXX XXXX XXXX suggested I file bankruptcy. I did not want to do that because my only debt is my mortgage. I simply needed a fresh start. I have never had or requested for a modification prior to this. I need help. I do not want to lose my home.
Product: Credit reporting or other personal consumer reports

I received a notification by TranUnion that an account was open on XX/XX/XXXX by XXXX XXXX XXXX a Debt Collector. I called the company and asked about the account that showed up on my credit report from TranUnion. I was advised that this accounts were open in XXXX with a company called XXXX. I never open this account in XXXX. I filed a dispute with XXXX, which it was DELETED. I also filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report and replace my CREDIT SCORE that was taken away, due to this FRAUDULENT REPORTING. 

XXXX ) {$6800.00}
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax breach please see attachments below
Product: Credit reporting or other personal consumer reports

I personally reached out via certified mail to several debt collectors regarding accounts allegedly owned by me. To request verified information that would show proof of ownership of these account. I have been a victim of identity fraud in the past and have also found my personal information on several dark web sites, which has led me to believe these accounts were created in error under my information. Some of the accounts in question date all the way back as far as 2018. I have listed all questionable accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Credit Card decreased my credit card credit limit from {$1000.00} to {$300.00} I had nearly paid the credit card balance leaving a {$200.00} balance on my account. when I check my credit report they decreased the account without my knowledge Damaging my credit ratio which means to the credit reports I owe 80 % of the credit card balance. this damaged my credit report score lowering my credit score even more when I had paid the balance off practically to get my credit score back on track,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been on a deferment with my student loan payments they are reporting as late on my credit report even though Ive been deferred my deferment ends this month and Ive been late 60 times that can not be as Im in deferment
Product: Credit reporting or other personal consumer reports

I want to dispute the bankruptcy entry appearing on my credit report because I believe it contains inaccurate or unverifiable information. After a careful review of my credit report, I have identified discrepancies in the details associated with this entry. Specifically, I question the accuracy of the reported information, including but not limited to the case number, filing date, court jurisdiction, and its association with my accounts. Additionally, I have not received any concrete evidence or documentation to validate this bankruptcy records legitimacy or its proper reporting.

Under the Fair Credit Reporting Act ( FCRA ), all information reported on a credit file must be accurate, complete, and verifiable. Given that this entry does not meet these criteria, I am requesting a thorough investigation into the matter. If the credit bureau or data furnisher can not substantiate the details of this bankruptcy with verifiable documentation directly from the original source, I ask that this entry be removed from my credit report promptly.
Product: Debt collection

I have contacted this company and no one can help me, it was a loan on affirm that I did not make from the merchant XXXX. Ive contacted XXXX and affirm and no one can help me. I have XXXX separate loans of {$1800.00} and {$1900.00} for supposedly XXXX laptops that I did not purchase or authorize. Affirm calls constantly for payment and texts me but I didnt purchase it. I am trying to figure it out with Affirm before I have to fully do a fraud report with my police station. I cant get a response from no one regarding the process.
Product: Credit card or prepaid card

When my XXXX credit card transitioned from XXXX XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX FBNXXXX XXXX this year starting around XXXX, I paid two bills online to XXXX ( by mistake ) rather than to FNBXXXX. I paid {$160.00} on XX/XX/XXXX. I paid {$420.00} on XX/XX/XXXX to XXXX for a total of {$590.00}. This money should have either been forwarded to FNBXXXX or returned to me. I learned of my mistake when I called FNBXXXX about late fees for non-payment on my XXXX Statement as FNBXXXX hadn't received payments. FNBXXXX reversed the late fees and interest, and I paid FNBXXXX in full. 

I called XXXX on XX/XX/XXXX, using a phone number that XXXX at FNBXXXX  happened to have handy and spoke with XXXX. At first XXXX claimed XXXX returned my money to my bank however my bank doesnt show any credit for the two amounts involved ( {$160.00}, XX/XX/XXXX ; XXXX, XX/XX/XXXX ). Then, after putting me on hold for a time, XXXX came back and said XXXX would work on the problem, that I would get a confirmation by email in three days to confirm XXXX was really working on figuring things out. He said it might take three weeks to get my money. When I asked for a tracking number as a means to follow-up, XXXX was unable to provide a tracking number so he gave me his badge number ( XXXX ). I never got a confirming email that XXXX was actually working on my problem. 

I wrote a letter to the CEO of XXXX on XX/XX/XXXX, ( copies to XXXX, FDIC, and CFPB ) explaining this problem in detail along with Proof of Payment documents from my bank both payments. As my account at XXXX is closed I don't have a way to see how the payments may or may not have been applied. I have not received any response from XXXX. I understand from FNBXXXX that I was not the only one to submit payments to XXXX  that should have gone to FNBXXXX