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

XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX-HARD INQUIRYXX/XX/XXXX XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX7-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX-HARD INQUIRY-FRAUD I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE PAST THREE YEARS BECAUSE OF MY CREDIT BEING COMPROMISED BY EQUIFAX. I HAVE SPOKE TO EVERY CREDITOR LISTED ABOVE AND THEY ALL HAVE AGREED THAT I HAVE SIGNED NO APPLICATION. I HAVE CONTINUOUSLY REPORT THIS TO EQUIFAX AS FRAUD AND TO REMOVE THESE HARD INQUIRIES FROM MY CREDIT AND EVERY TIME I DO SO, THEY SAY ITS FACTUAL RECORD WHEN THERE IS ABSOLUTLEY NO WAY ITS FACTUAL RECORD. I WANT EQUIFAX INVESTIGATED JUST AS ALL THE OTHER MILLIONS OF CONSUMERS WHOSE CREDIT HAS BEEN COMPROMISED BY EQUIFAX TO MAKE SURE THEY ARE DILLIGENTLY DOING THEIR JOB TO REMOVE FRAUDULENT INQUIRIES ON MY PERSONAL CREDIT THAT SHOULD ABSOLUTELY NOT BE THERE. THE NEGLIGENCE OF EQUIFAX HAS RUINED MY CREDIT BECAUSE OF THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}, {$3100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account
Product: Debt collection

a collections was sent to me from XXXX XXXX for charges that accrued in a house i was not an inhabitant to. I was living 3 hours away at the time and have proof to substantiate that claim. It's public record of the house I owned and lived in with my husband. I spoke with XXXXXXXX XXXX regarding the charges they assured me it was taken care of and the charges were dismissed. I later received a collection notice from another company which I disputed. They dropped the charges AND THEN ANOTHER SEPERATE collection company picked up the charges and I have disputed them and they still are trying to collect money NOT OWED by me.
Product: Debt collection

MARINER FINACE IS REPORT TO MY CREDIT REPORT A ACCOUNT THAT DID NOT OPEN. I HAVE ASK TIME AFTER TIME TO VALIDATE THIS ACCOUNT. THIS ACCOUNT NEED TO BE REMOVED FROM ALL CREDIT BUREAUS AS THEY CAN NOT PROVIDE ME WITH ANY SIGN DOCUMENTION THAT I SIGN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me to solve this soon, check the pdf that I have attached, there is all the explanation of the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.
Product: Credit reporting or other personal consumer reports

This is not my debt, as shown from my XXXX XXXX documentation
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinverstigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I al requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/year>, while on vacation in XXXX XXXX, my wallet was stolen from my purse inside the wallet was a Wells Fargo debit card, my sons Wells Fargo credit card and other items that One would typically keep in a wallet. Upon realizing that the card was gone, Wells Fargo was immediately notified that the card had been stolen. The charges were denied by me ate particularly disturbing because theres a series of charges for a jewelry store for {$10.00}. In addition, whoever took the wallet use my sons credit card Wells Fargo credit card at the same jewelry store. The following day that card was immediately canceled as well. Well but the charges still got pushed through by Wells Fargo. Theres about XXXX of them which shouldve alerted Wells Fargo that there was a problem with the card. I have tried two times, to submit a claim they did close the card and send a new card. However they continue to deny the claim they say that we used a person authorized by us. I believe the problem had to do with a debit withdrawal but Im sure youre aware that fraud is very sophisticated these days and people have ways to use a debit or credit card at an ATM, I really need help with Wells Fargo regarding this because in good faith I notified them immediately. I dont know how they contacted people in XXXX or if they even did I think they are just denying the claim. Ive been a loyal Wells Fargo customer for years and they are not giving the support that they should give. I even told them if they had a problem with the debit card withdrawals to remove those and just reimburse us for the other purchases which we did not make but they continue to deny the charge please help.
Product: Credit card or prepaid card

Someone tried to get a prepaid credit card in my name. 
Netspend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I did not apply for a credit card or prepaid card.
Product: Credit card or prepaid card

XX/XX/2022 I filed 4 disputes for merchandise never received with Capital One. On XX/XX/2022 & XX/XX/2022 I received a statement stating that my claim was resolved & the money was put back on my account. There was no money ever placed back on my account. They told me the money was placed on my account on XX/XX/2022 which is false. I was told I would receive a temporary credit in 2-3 business days & now I dont. I sent over account screenshots, chatted in & called. Several different representatives have told me that the money is in my account & they can see it. How can they see it & I cant. That is absurd.
Product: Student loan

I initially submitted a formal complaint against Navient in regards to a student loan my wife co-signed for. I made a 1 time payment to Navient to have my wifes name taken off the cosigning of the loan. Navient failed to send a XXXX form to me to submit to the IRS explaining that the loan is not in default or settled. My daughter is still paying on her loan. Because Navient failed to send me XXXX form to submit to the IRS my federal income tax returns have been with held from me for the past 3 years. I have been trying to explain this mistake Navient made to them and I am getting nowhere. On top of that issue, since Navient reported to the IRS that I earned {$24000.00} dollars extra in XX/XX/2016, the IRS is now coming after me for unclaimed income in which is not the case. Navient has not been helpful at all, in fact they are quite rude on the telephone if you can ever get off of being on hold. My first complaint number was XXXX, I just received a notice from CFPD that Navient can not address the issue because of a " unauthorized third party '', I am not sure what that means. I have attached the response I received this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX  XXXX Balance : {$13000.00}
Product: Mortgage

Round point mortgage : XXXX full mortgage payment sent by check. This check was cashed but not applied XXXX mortgage paid amount applied XXXX we were made aware of missing payment and late fee. We confirmed with our bank that the check was cashed XXXX attempted to call and resolve over phone, they would not call back. When we did speak to someone they were dismissed and kept reminding us of payment and a late fee XXXX contacted by email and sent front and back of check. No response XXXX online check was done by us and we saw that the error was corrected XXXX another check sent XXXX check was cashed not applied to our account XXXX emailed a front and back receipt of this check without response from round point As of today this amount has not been applied we can not get ahold of anyone to help us.
Product: Debt collection

In XX/XX/XXXX, I opened up a car lease account with a automobile finance company, and made all 39 lease payments. The vehicle was returned in XX/XX/XXXX. I received no further communication from the leasing company. 

In or around XX/XX/XXXX, I received a notice from my credit monitoring service that my credit score dropped as a result of a charge-off account. I looked at my report and I saw that the leasing company, continued to report the lease account as opened past the payoff date of XX/XX/XXXX, and notated a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/XXXX, respectively. 

When contacting the company, they claimed that a post-lease invoice of approx {$880.00} was sent out and never paid, so accordingly, they were entitled to charge off the account. 

I informed them I had never received the invoice and requested a copy, which they were unable to provide for the next few weeks. The verbally stated that two invoice were sent out, but finally, only were able to produce 1. 
I offered to pay the account in full in exchange for a removal of the charge off notation, and they refused. After I paid off the account in full ( as I always pay me debts ), not only did the creditor not remove the notation, but they added 11 additional charge off notations for each month between the date of the original charge- off ( XX/XX/XXXX ) through the date on which I paid the account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Debt collection

Received notice of collections from Central Portfolio Control of a debt I had no knowledge of. I informed the company via their website and via certified mail that I was disputing the debt and I requested proof of debt as per their instructions. Central Portfolio Control did not provide any information to support the claim of debt for collection and reported the collection to the credit bureaus, damaging my credit score.
Product: Debt collection

Sequium calls my work number several times a week and leaves no voicemail. Phone number is XXXX. Research shows they are a debt collector from XXXX, GA and collect for XXXX, XXXX, XXXX, etc. I have no unresolved or past due debts with them or anyone else. They have a plethora of complaints about them out there on several different platforms.
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach and now I have multiple delinquent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to Americollect to verify my debt in which they did not respond in a timely fashion. I contacted the CFPB on XX/XX/2020 regarding the company not responding to several letters asking them to please verify the debt the company then responded with a letter attached but the letter was not a bill, nor did it have my signature on it which makes it unverified.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( 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 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card Account opened at XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ), An personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), An unsecured loan open at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), and a unsecured loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( XXXX ) XXXX # ( XXXX ) 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

This collection agency knowingly reports incorrect the " Date of 1st Delinquency '' of an account that the collector acquired. 
The original creditor was XXXX XXXX. According to the original creditor the " Date of 1st Delinquency '' was XX/XX/XXXX. Therefore the account is not supposed to be on my credit report any longer. 
The original creditor does n't report this account due to age to any of the credit reporting agencies ( CRAs ). 
This collector in fact RE-AGED the account. 
I have disputed the information pertaining to this collection account with all XXXX CRAs. I have disputed " Date of 1st Delinquency ''. Only XXXX " verified '' the information pertaining to this collection account. Other XXXX CRAs promptly removed this account. 
I have multiple full credit reports ( in electronic format ) from all XXXX CRAs that I received between XX/XX/XXXX and XX/XX/XXXX. These reports conveniently show all information pertaining to this XXXX XXXX account. Reports say : " This account is scheduled to continue on record until XX/XX/XXXX '', " Date of 1st Delinquency XX/XX/XXXX '', " Estimated month and year that this item will be removed:XX/XX/XXXX ''. 
" Payment history '' on the reports clearly shows that the account was 30 days past due as of XX/XX/XXXX. 
Again, I have disputed with the CRAs but the collector " verified '' to XXXX. This collection agency knowingly reports false information, which violates FCRA.
Product: Checking or savings account

Fraudulent activity began on my TD accounts on XX/XX/2022. 
{$4000.00} was transferred from a trust account to a personal checking account to which my debit card was linked. Numerous transactions were then withdrawn from my debit card. TD bank issued provisional credit for the majority of transactions, however, TD bank REVERSED their decision claiming that no fraud had taken place and debited my account {$780.00}, {$270.00} and {$170.00} on XX/XX/2022. The aforementioned charges stemmed from a fraudulent XXXX account which I DID NOT open. Numerous visits to my local TD branch XXXX XXXX XXXX XXXX and numerous phone calls to TD Fraud Dept. have yielded NO satisfaction in the returning of my funds. I have been told by both the TD Fraud Dept AND the representatives at my local branch that there is " nothing they can do '' and that I should " take it up with XXXX. '' This is unacceptable. 
I want the missing funds returned.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but XXXX and XXXX have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and XXXX and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Product: Credit card or prepaid card

We have used a Capital One credit card for years and taken advantage of the cash back rewards for years as well. When we have some awards accrued, we always have the rewards amount ( in dollars ) applied to account, always with the understanding that the cash back amount did not serve as a payment. Therefore, without exception I would always deduct the rewards amount from the month 's balance and pay the remaining amount well before the due date resulting in the entire month 's amount due being paid well before the date due and avoiding any interest. 

Suddenly I am being charged interest despite the fact that the entire amount due on that month 's bill has been paid in full before the due date. How can you charge interest on a XXXX balance just because a part of the amount due was paid with the company 's own rewards and all before the due date? This is their excuse for tacking on interest. 

Should you need to see last month 's statement, we will be happy to provide it ; however, we hope it will not be published. I have asked to use my remaining rewards towards the next bill as part of my effort to get rid of this card. This company has certainly changed and is now exhibiting blatantly greedy behaviors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recieved calls froma company called CBE Group attempting to collect a debt from XXXX XXXX. After reviewing my credit report this appears to have been removed and is showing back up on my credit reports. I asked that they no longer call my phone attempting to collect a debt that is not on my credit report.
Product: Credit card or prepaid card

I have the BofA XXXX XXXX XXXX and I thought we shouldnt be charged withdrawal fees. How do I get it all back?
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.