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

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft I.C. SYSTEM INC. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit card

On XX/XX/2023, I was vacationing in XXXXXXXX XXXX XXXXXXXX, XXXX. That afternoon, I used my Wells Fargo credit card to purchase a couple of beverages from a street vendor at the beach of XXXX. The vendor swiped my card in a wireless credit card reader and the transaction was declined a couple of times. Claiming there was something wrong with the machine, the vendor brought in a second reader which also declined the transaction. A friend walked in at the moment and offered to pay cash for the drinks. I took the drinks and the vendor rushed away. Something about the interaction felt extremely suspicious so I opened the Wells Fargo app to check the recent transactions. There I found 2 charges, billed to a mechanic, amounting to more than {$6000.00} american dollars! 
The second charged was automatically declined by Wells Fargo, but the 1st charge ( in the amount was {$4100.00} ) was posted. I immediately called the Wells Fargo customer service line and reported the fraudulent charge. Wells Fargo canceled my card and issued a new one right then and there. Fast-forward a couple of weeks to XXXX, Wells Fargo sent me a letter stating that, after completing a investigation, the charge had been reinstated to my credit card statement and that I was liable for its payment. I immediated called to dispute and the claim was re-opened. Since then, Wells Fargo has sent two additional letters with the same resolution, which Ive continued to dispute. Fearing Wells Fargo does not have my best interest as far as protecting me from this crime, Im pleading to CFPB as a hopeful resort. Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Wells Fargo Bank follows a policy of making it difficult to contact them, forcing waits often of an hour and more. 
A web search reveled that this is a widely embraced policy. Suites such as XXXX, XXXX XXXX and XXXX have been developed to deal with this problem. None of them work for me. In particular they provide no way to contact the group one needs to talk to, directly, at XXXX. Instead one has to be transferred to a call center, which obviates XXXX procedure of calling on ones behalf so one does not have to wait interminably on hold. 
I had requested a stop payment to XXXX XXXX XXXX ( I am XXXX ) on Sunday XX/XX/11 and was told to call back on Monday to provide reasons why. The phone never answered. This means the stop payment will go through without XXXX being advised why. I depend on their home delivery service. Usually I have been treated well, but both XXXX and Wells Fargo have blocked my attempt to reach someone at XXXX to resolve the issue.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded XXXX and Equifax as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and Equifax consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing Equifax are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging my name.

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans
Product: Credit card or prepaid card

My card was charged for an item I didnt order. I have tried to work with the merchant they told me they had no record of charge for me .i received a letter stating my card was credited and it never was I  disputed this with Home Depot credit card they sent a document stating my card was used it clearly shows not my name. I never had anything delivered to my home my card has not left my possession. I was informed my card was not chipped or swiped. I contacted the merchant and they told me they still had no history of an order for me. I have tried relentlessly and in good faith to resolve this issue. This has caused a lot of stress to my health.
Product: Vehicle loan or lease

XXXX XXXX my wife an I got car the price was very high an they keep piling up fees. We called the dealership an they kept giving us the run around an said there nothing we can do you sign the paperwork. But we were used, an mis informed and just because our credit wasn't that good they took advantage.
Product: Credit reporting or other personal consumer reports

I filed a XXXX and it was complete XX/XX/year>. However, all of the accounts in the bankruptcy are no longer there except for XXXX accounts, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are still reporting that I have a high balance on this account, even though they are in the bankruptcy. I have reached out to all these companies ; they tell me that the credit bureaus are not reporting accurately. I call the credit bureaus, and they say they are reporting what the companies report. These items are reporting negatives on my credit report. I want the accounts off my report. I have disputed those account over XXXX times.
Product: Credit card or prepaid card

I was late making a payment for the yearly membership fee of {$29.00}. This incident was reported to consumer credit agencies by Barclays Bank. I missed the late because I was in the hospital from XXXX XXXX through XX/XX/XXXX due to XXXX. When I got Out of the hospital, I realized the outstanding fee. I paid the XXXX immediately on XXXX and set up my auto-pay service so a mistake like this would never happen again. The annual membership fee was accessed to my account on XXXX and showed on my XXXX statement. 


I have had a stellar relationship with Barclays for over a decade and never missed a payment. However, by Barclays Bank reporting this incident to the credit agencies, Barclays put a blemish on my credit report that caused my score to plummet over XXXX points. My situation was out of my control. 

I contacted Barclays several times to explain the situation with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a XXXX XXXX for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.
Product: Mortgage

Amerisave cut 3 checks from my escrow account to pay my hazard ins. Two checks for XXXX each, XXXX check for XXXX. The insurance was XXXX. On my dashboard, it clearly shows that one check for XXXX and one check for XXXX were refund deposited. After taking the 3 checks out of my escrow, the company ran an escrow analysis, which caused my escrow to be short XXXX  dollars, which in turn caused my mortgage to go up XXXX  dollars. I feel that the money somehow has been stolen. It clearly shows on my dashboard that the 2 checks were re-deposited but for some reason the money has not made it back to my escrow account. I have been dealing with this issue with the company for over a month. I have asked for a new analysis to be ran after the checks are deposited but it is at a standstill and in the meantime, I am paying XXXX  dollars a month more then I should be. I am retired and on a fixed income and clearing can not afford this huge increase because they won't correct their mistake, where are my 2 missing checks??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had XXXX new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
Product: Credit reporting or other personal consumer reports

I have an open complaint with Bank of America for a debt showing on my credit report. I have requested a copy of the 1099C that is from the year they are saying the debt was a charge off. I did not receive one. I have also requested itemized/detailed statements showing where and when the charges were made. I have not been provided any of this. They have only responded with a letter dated XX/XX/year> saying they feel the debt is still owed and will continue to report this to the credit bureau. They are not addressing what I have repeatedly asked for to validate this debt and the charge off. If they have charged off, they are still showing that I am currently late on payments and also owe a debt they are claiming to have gotten a credit and charged off. They need to either comply to show these are valid charges and the charge off or delete and cease and desist.
Product: Checking or savings account

There was multiple unauthorized transactions from three different XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX two of my desputes were resolved in my favor the rest they are still investigating when I believe if one payment from these cash tags are unauthorized then all are the dates of these payments take place between XXXX and amount in over {$3400.00} only {$400.00} was resolved they keep giving me the run around I've talked to multiple cash app reps some of which were very disrespectful they won't provide me a reference number or aloe me to speak to a supervisor and they won't provide me with a provisional credit that they state in there terms and conditions they are mandated to do in the first ten business day while the investigation takes place I told them I'm a single mother with a emergency to pay rent or quit and also need to get my XXXX XXXXXXXX XXXX and they do not want to help me I have given them all the Information they need and even filed a police report and they still won't help I have screen shots of the full chat with the representative being very disrespectful that I can provide to you if needed I'm on the verge of a XXXX XXXX with no one to turn to if you could please help me it would be very appreciated you can reach me by email at XXXX and by phone at XXXX thank you
Product: Debt collection

On XXXX/17 @ XXXX, I missed a call from ( XXXX ) XXXX. I immediately returned the call. I was then asked for my information and I asked what agency had I called. I was told that it was a debt collection agency. The name was inaudible by the female representative. I asked her about the debt and she said it was for XXXX in the amount of {$260.00} and immediately started to ask me abut the course of action that would be taken. I told her that I am not familiar with her company and could she tell me again and that I would reach out to XXXX. This is due to me receiving upward of 50 phone calls daily from robo and scam calls. She told me it was Halstead Financial Services. I also asked her to mail the documentation pertaining to the debt to me She continued to disagree. I tasked her again She told me that they had already sent a letter. I told her that I had gone through my mail and did not have anything within the past 1-2 weeks from them and that I need them to put the debt information in writing. She refused to mail the document and yelled " it will not work under your terms ''. I hung up the phone to prevent further aggressive talk while I was at work. I walked outside and called back at XXXX to get her name. " XXXX '' continued to try to collect the debt and would not provide the name from the notes in the account even after I told him that I was in the process of filing a complaint and that I would add his name as someone that I have spoken to.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some that I was a victim of identity theft. I submitted my disputes & got most items removed from my XXXX credit profile. After my disputes were completed XXXX removed the accounts but exquifax & transunion didnt, now there are even more inaccurate and incomplete information across all bureaus. XXXX & XXXX claimed my accounts were verified And 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 report relates. These accounts : XXXX XXXX XXXX Acct number XXXX, XXXX management services Acct number XXXX, XXXX resurgent Acct number XXXX, XXXX XXXX XXXX XXXX, are not complete and not accurate. open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

My identity was stolen my information was compromised is a security breach. I have been dealing with this for some years now and now Im trying to get everything resolved I have sent follow up letters to all of these companies in hopes of some sort of resolution this car loan is reporting on my credit report and this is a fraudulent charge someone got this loan in my name. Also there were other loans taken out in my name as well as credit cards and also a XXXX cell phone account and some collection accounts that appeared out of no where and I have no idea what they are. 
XXXXCompany name : XXXX XXXX I first noticed this in XX/XX/XXXX and XX/XX/XXXX Amount {$620.00} XXXXCompany name : XXXX I first noticed this XX/XX/XXXX and XX/XX/XXXX Amount {$430.00} XXXXCompany name : XXXX I first noticed this account XXXX XX/XX/XXXX and XX/XX/XXXX Amount {$220.00} XXXX.Company name : XXXX XXXX XXXXXXXX I first noticed this on my report back in XX/XX/XXXX Amount {$10000.00} XXXXCompany name : XXXX XXXX  I noticed this in XX/XX/XXXX Amount {$390.00} XXXXCompany name : XXXX I first noticed this XX/XX/XXXX Amount {$610.00} XXXXCompany name XXXX XXXX XXXX  I first noticed this account in XX/XX/XXXX Amount {$18000.00} 8.Company name : XXXX XXXX I first noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$6300.00} Below in the uploads is the FTC Report as well as the follow up letter that was sent out to all the companies listed above as well as 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went onto the Transunion website to dispute an incorrect line item on my credit file. They require an account to be created in order to be able to dispute. I then created the account and was prompted to enter my credit card to " confirm my identity ''. I then noticed a charge of {$26.00}. I absolutely did NOT approve this, nor was I even provided the chance to opt out to select another option. These funds were taken out under false pretenses. To make matters worse, it is almost impossible to find contact information. And the FAQ offers no solution to this either. I am attaching screen shots of this.
Product: Credit card or prepaid card

In XXXX of 2020 my reliabank card was activated without my knowledge or permission. A total of {$6800.00} was stolen from my account. When I called reliabank to file my complaint I was given the wrong card id number to put on all paperwork and police reports. The mistake was caught after nearly 90 days. I was given the correct card id number which I included when I re faxed all the documents. I still have not been reimbursed and was told today that it could be another 45 to 90 days before I get my money
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. Experian, XXXX, and XXXX 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 :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called XXXX XXXX XXXX on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that XXXX XXXX XXXX removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my Equifax and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Was threatened by XXXX XXXX XXXX to pay a debt or face court/jail time. 

Paid {$3500.00} on XX/XX/year> to pay a supposedly outstanding Bank of America debt. I even signed a pdf document with a letterhead showing a work address : XXXX XXXX XXXX, XXXX XXXX, California XXXX Contact : ( XXXX ) XXXX