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

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX- XXXX XXXX XXXX, XXXX  XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX I took my son to Wells Fargo to open an account and I ask not to be put on any account with my son. I was told that the account would only have his name on it.

On XX/XX/XXXX I was received a call from a Wells Fargo representative telling me I was a co-owner on my sons account. I made it very clear upon creating the account that it was only suppose to have his name on his own account. 

This form of business is deceptive, misleading and violated my rights. I was not made aware of the terms and conditions of opening a teen account, so there was no meeting of the minds. I did not agree in any shape form or fashion to be added to any account.
Product: Student loan

Fedloan reports that I was late on my payments for 90 days it more. I started paying my loan with XXXX  XXXX XXXX. My account was set to autopay. For 3 months, ( XXXX XXXX  ) I would see payments go out of my bank account on behalf of the Department of Education XXXX In XX/XX/2018 I got a email saying no payment had been made, funds were available. I tried calling and could not get a response. I then saw on my credit report I was late. This came as a shocker because I had no idea who they were because I was paying to XXXX  XXXX XXXX. The person on the phone was not helpful. So we did not resolve anything. Dead end after dead end and now its XXXX and I finally speak with someone at Fedloan to get things straighten. I started my payment plan and have made payment a every month since. When calling about why I have 3 months of missing payments I keep getting different answers. 1 person said its because my account was set to paperless and they sent the info to my online account but I didnt see it yet because i hadnt even spoken with the company to even know there was a account with them. I agreed with ACT ( account control technologies ) to start repaying my loan which I started immediately doing, non of my information was transferred over to Fedloan, when I finally spoke with Fedloan all of the information on my was incorrect ( email, address, etc ) which ACT had because I was making payments. I have made all payments to Fedloan since then and have tried to get this cleared up. From XXXX I have never been late and current on all payments. During the pandemic Fedloan sold my student loans to another company and again my information like address and phone number was incorrect, and that company had since sold my loan again to another company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit card or prepaid card

Purchased a shoes from XXXX. Received a damaged product and requested a manufacture defect item return process which was non-responsive from adidas. They are avoiding to honor their " manufacture defect item '' return policy. 

Disputed a charge with Capital One, submitted pictures of the manufacture defect product along with the receipts and order confirmation and it was denied twice for " insufficient evidence ''.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I obtain notice that there was a debt owed to said company. It is my belief that the debt was due to fraudulent activity. I tried with no avail to discharge the debt using my rights under HJR 192 73-10. and 18 USC 8 all debts are the obligation of the UNITED STATES. They are in violation of ( FDCPA ) Fair Debt Collection Practice Act 806 807 ( 2 ) ,812,15USC 1692 ( c ) ,15USC 6803,28USC 3002 ( 4 ) ,18 USC 3333,12 USC 1431. Civil rights violations 42 USC 1983,1985,1986,1988.
Product: Credit reporting

Experian asks a user to input a credit card and teases that it will provide credit reports for {$1.00}. This is deceptive, because it is actually billing a monthly credit monitoring service that costs {$21.00} if not cancelled within 7 days. Beyond this, Experian displays all XXXX credit reports and the user can click on these. Experian charges the credit card on file a one-time fee of {$39.00} for accessing another credit report. There is no disclosure that this amount will be charged, either before or after clickthrough on the displayed credit reports. The user interface is deceptive and looks like these are free products provided with the {$1.00} service. I disputed this with Experian and obtained a refund of the charges to my credit card, but I am concerned about other users being misled. Experian should provide a disclosure that there will be a {$39.00} charge before allowing users to clickthrough and access other credit reports. There should be a more visible disclosure that the {$1.00} charge is actually a signup for the monthly credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This credit card was closed in XX/XX/XXXX due directly to medical complications of XXXX XXXX and being injured in the line of duty as a lXXXX XXXX XXXX  now on social security XXXX and police XXXX pension. This has drastically changed my yearly income, preventing me from paying my creditors on a timely manner. Ive closed three other credit card accounts and was able to be I rolled in a customer assistance program, lowering my monthly payment to something I can pay in order to eventually pay off my account without claiming bankruptcy. This company has agreed to accept {$40.00} payments from XX/XX/XXXX to XX/XX/XXXX. In XXXX, XXXX, XXXX XXXX XXXX XXXX  agreed to place me in a customer assistance program of paying {$40.00} a month on auto pay on certain dates we agreed to. They are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. After such, some kind of long term plan would be made. Meanwhile, this monthly payment plan, case # XXXX created by the XXXX XXXX XXXX XXXX  representative, was approved. In XX/XX/XXXX, I noticed my account was paid the {$40.00} but I also noticed that my account was being charged a {$30.00} late fee as well as {$110.00} in interest. I called the customer service in XX/XX/XXXX after seeing this and explained my concern. The representative apologized and removed the {$30.00} late fee and stated she would write down my other concerns of {$110.00} in interest being applied as well. In XX/XX/XXXX the account was paid {$40.00} on autopay but again, my account was also assessed a {$41.00} late fee and the additional {$110.00} in interest as well. I did call and filled a complaint as well as writing three ( 3 ) separate internal messages on my account app to the customer service department. I was told during my last phone call with a representative, that she wrote down the issue and after speaking with a supervisor, someone would call me back within 24 hrs. They never did. On XX/XX/XXXX I received a notice on my credit report that now this creditor, XXXX XXXX XXXX is reporting my account as 30 days late. This lowered my fico score by XXXX points. This was outrageous and shameful and should not have been reported wrongly. As this account was in a customer assistance program of {$40.00} per month with the case # I have provided as proof. Now suddenly, Im being marked by false credit reporting of being 30 days late on this account, still being wrongly charged a late fee and still being charged {$110.00} in interest in this customer assistance program. This Creditor, XXXX XXXX XXXX XXXX  is falsely reporting late payment activity, and unethically charging my account late fees and interest while this account was always current and was placed in a customer assistance program to help me till XX/XX/XXXX. This case # proved is authorized till XX/XX/XXXX with automatic payments of {$40.00} a month as agreement between me and this creditor. This is outrageous behavior and incredibly unethical conduct of a bank.
Product: Checking or savings account

I opened my new checking account on XX/XX/2018 in the XXXX XXXX branch, with a flyer for a bonus offer of {$250.00}. The bonus is earned if 3 recurring bill pays are set up. However, my account, since XXXX, has been unable to sign up for bill pay. I called them up several times about it and they created a ticket for it, but no one called me back as they said they would. I am being treated differently than other customers. I should be able to earn the bonus. A few minutes ago I tried again to click the sign up button for bill pay and it still says there is an error and to call customer service. This was a bait & switch.
Product: Payday loan, title loan, personal loan, or advance loan

loan terms were de.finately disguised at origin of loan loan documents were not available online until late in term of loan and after several request. i am very upset as i owe as much today after paying for over a year as i owed at loan begin. i am XXXX and XXXX XXXXXXXX years old. this loan is worse i have ever had.
Product: Credit reporting or other personal consumer reports

When I opened this account with Southstate it was supposed to be a credit builder with no penalties- at least thats how its sold. It turned out it was a backwards loan to myself? That I somehow defaulted on??? Somewhere in the terms they hide that youre loaning the bank money - not you, until its paid out. This is completely unclear to a layperson and another way to harm consumers with poor credit or low education. Its predatory.
Product: Debt collection

Hi, Account name : Portfolio Recovery Associates # Account Number XXXX XXXXXXXX has violated my rights. They have not produce documentation showing how they got my information. They have place a debt collection on my credit report which is hurting me the account is falsely obtain by PRA. When I called customer service they said a 1099 was never done on the account but on my credit report is says written off bad debt. Portfolio Recovery Associates collector can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they haver called me repetitively via phone calls. I have called and send certified letter requesting the following : Alleged account number Name on file for the alleged debtor Date the alleged debt became payable Date of original charge-off and delinquency A complete accounting of debt Any judgment obtained by the creditor To date they have not respond or mail me back. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and cocnfidentiality under 15 USC 1681. 
Portfolio Recovery Associates has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

I have sent certified mail with copies of my credit report to all three credit bureau several times about these inaccuracies on my on my credit report with no resolution. In the mean time this is hurting me and my family please help. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to ta " timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This account was paid in full and closed XX/XX/2023. My credit report is inaccurately reporting a XXXX XXXX credit card usage.
Product: Debt collection

although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.
Product: Mortgage

I read an article about Wells Fargo owing people money, for wrong charges and other charges. 
I would like to know if I am owed any money. 
I had a mortgage with Wells Fargo back in XXXXto about XXXX  maybe before another Bank took over. 
Please email me at XXXX Thank You
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account with AMEX. I opened it through solictations from AMEX. They never reported to the credit bureaus as being late. Yet that charged me off and show my account listed as Indidual not Business. I am not liable for this debt my company is. XXXX XXXX XXXX. please help me get this off my personal credit report. Thanks
Product: Credit reporting or other personal consumer reports

I have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX Sold to XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX since XXXX. My address is XXXX XXXX XXXX XXXX Address on Account is Incorrect XXXX XXXX XXXX XXXX, XXXX XXXXXXXX as well as Bank Account used for previous payments of this loan was opened fraudulently and has since been closed. XXXX XXXX XXXX Acct : XXXX Date of Last payment according to Company 's report is reporting incorrectly as it states XX/XX/XXXX and is being report to All bureaus as XX/XX/XXXX. all of this information is incorrect. 

XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Date Last XXXX Equifax : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last ActiveXXXX XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/XXXX is XXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer