23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account has been deleted form my XXXX credit account and XXXX Credit Account. Now its on my XXXX Credit account again. I Contacted XXXX and I was told once deleted it could not be put back on my credit report I have disputed it, and it comes back with ( remains the same ) no change on explanation. 


I want this account to be removed and deleted from getting put back on my credit report.
Product: Bank account or service

Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. 
I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ***Experian Inquiries**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The date of unauthorized transactions was on XX/XX/XXXX and XX/XX/XXXX XXXX my mobile bank account was hacked into. They changed my password and wiped out my account totaling {$310.00}. I kept calling Wells Fargo letting them know what was going on simultaneously when this was happening because I kept getting emails. I had to close both my accounts and disable my online banking but this took various calls meanwhile my account was emptied out for their lack of protecting me as a client.Wells Fargo Takeover team reached out to me to confirm that my account was hacked. They advert have my phone scanned. I am XXXX  XXXX and require XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe makes me vulnerable to fraud. I did not authorize these transactions done through XXXX. I also realized they added their phone number and email. I filed my complaint and in two days they determined the case and closed the claim. I called many times to advise my account was being hacked and they did not secure my account then they denied my claim. Im on social security and these funds are for bills. I need this to be investigated.
Product: Debt collection

I have been affected by the XXXX XXXX. I was sick in XXXX and XXXX. I left messages on their customer service number, but no return calls. I received a notice dated XX/XX/XXXX, that I wa in default and to call them. I called and left several messages for the contact XXXX XXXX, not return calls. I received a Notice of Intent to Foreclose dated XX/XX/XXXX, again I called. I went online and tried to send an notice, but the account kept giving me a message that I had to call customer service. 

I finally reached a person on XX/XX/XXXX at XXXX XXXX, after she provided me with the collection information required by law, I said I wanted to make a partial payment of {$3000.00} and another partial payment of {$2500.00}, by XX/XX/XXXX and then bring the loan current by XX/XX/2020. She argued that I owed more than what I was trying to bring in. She proceeded to tell me that I was sent a notice that my payment went up to $ XXXX a month effective XX/XX/2020, per my escrow analysis statement provided online on my account. I explained that I have no access to anything online and that I never received the notice. She argued and said nope you signed onto online service and that is all we have to give you. I asked to speak with a manager a male came on the line let me speak, then he said no your are in foreclosure and we are not going to accept any partial payment. I decided not to speak with them any further. 

I have been affected by this virus, I am back at work not making any commission, just the base of {$2500.00}, yet this servicer is not trying to help me or work with me. I can't get through to my assigned relationship manager and they won't work with me.
Product: Debt collection

I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start with.
Product: Credit card

I paid my bill in full, as I do every month, for a TJX Rewards Card from Synchrony Bank. The payment was removed from by XXXX  XXXX XXXX checking account on XX/XX/XXXX in the amount of {$260.00}. I subsequently received a bill the following month saying that the payment had not been received. Since that time, I have been trying to resolve this issue with Synchrony Bank to no avail. They acknowledge that they have received/located the payment, which apparently they internally sent to the wrong department, and yet they continue to send me bills for this payment with late fees even though they also send me correspondence saying that the payment has been found and credited to my account. I even had a XXXX call with Bank of XXXX and Synchrony customer service XXXX XXXX ago to " prove '' that the funds were removed by them from my checking account. Nothing seems to put this matter to rest for good. 
I closed the account in XX/XX/XXXX because of this issue and what a headache it has been. Every time I think the matter has been addressed, I am harrassed with yet another bill, or another piece of mail asking me to provide " proof '' of this payment that I have been assured has been located. I got a bill with late fees on XX/XX/XXXX which certainly helped to ruin by XXXX holiday since I spent hours on the phone with them trying yet again to have this issue addressed. Each time I call, I have to start the whole story over again and waste hours of my life. Despite escalating all the way to the office of the president, this matter has STILL not been resolved. I have never paid a bill late in my life and don't deserve this sort of incessant harassment and complete incompetence.
Product: Credit card or prepaid card

Citi has closed my account without an explanation nor with my permission and refuses to refund the prorated membership fee. The CSR stated that I am not eligible for a refund. I stated that I didn't ask for my account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Collections : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
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 EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ADDRESS : 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 Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 Collections : 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  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX  EMPLOYER XXXX CXXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as it was submitted with careful attention. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is deeply concerning and has been causing me significant stress and anxiety.
Product: Debt collection

I am submitting this complaint without any influence from any third party or agency. Please see the attached documents as it contains my requests/demands on the conditional acceptance letter, complaints on Affidavit of truth, Affidavit of mailing, Avant 's letter, and proof of delivery of all items via XXXX tracking XXXX I participated in a consumer credit transaction, using my credit card ( social security card ) to extend credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX  XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I have received 4 various XXXX XXXX credit cards taken out in my name that I did not apply for. I have spoken with XXXX XXXX and the cards have been closed. On XX/XX/2019 I received notification that a hard inquiry from Capital One was made to both XXXX   and XXXX. I DID NOT make this inquiry or have any part in this. I am actually in XXXX on vacation and have been since XX/XX/2019. I have worked very hard to maintain good credit and am very concerned. I am unsure how to proceed with this issue and would greatly appreciate any suggestions on how to resolve this problem. 

Thank you.
Product: Mortgage

I received a letter dated XXXX XXXX, 2016 from the Nationstar that Nationstar is unable to offer me a modification because I am current on my mortgage loan and after reviewing the financial information I provided Nationstar has determined that I am not at risk for missing my payments either because following you have not sufficiently documented a financial hardship, you have enough net income and you have ability to pay your current mortgage payment etc.
Product: Prepaid card

In XX/XX/year>, I lodged a fraud claim with Bank of America prepaid cardholder services. Over the preceding year, I diligently furnished them with multiple documents substantiating my fraud allegations, including a police report, an identity theft report, detailed incident statements, and personal identification verifying my identity. Despite this, Bank of America summarily dismissed all three of my claims, failing to fulfill their legal obligation under Regulation XXXX to conduct a thorough investigation. I have also, opened a fraud appeal with the CA XXXXXXXX XXXX. I currently do not have a hearing date but I will attach the documentation. In contravention of the Electronic Funds Transfer Act and Regulation XXXX, Bank of America neglected to provide me with documentation delineating their investigative efforts, instead repeatedly furnishing me solely with a transaction history of the card, which is immaterial as I neither authorized nor engaged in those transactions. This pattern of behavior suggests a failure on the part of Bank of America prepaid cardholder services to fulfill their legal mandate to investigate fraud claims diligently. As a victim of identity theft, I have been subject to further distress due to the inadequacies of Bank of America prepaid cardholder services over the past XXXX months. Despite multiple complaints lodged with the Consumer Financial Protection Bureau ( CFPB ), no remedial action has been taken. I implore the CFPB to hold Bank of America prepaid cardholder services accountable for their egregious mishandling of my case. The legitimacy of my claims, identified by the following reference numbers : XXXX, XXXX, XXXX, warrants due consideration and approval.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed 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
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is why there is a discrepancy in the information that these companies use to create you FICO score. Ex. Credit age with XXXX is 6 yr. 1 mo-XXXX 4 yr. 3 mo. 
Credit Card use XXXX is 5 % -XXXX is 7 %. Hard Inquiries XXXX is 1-XXXX  3. Total accounts XXXX is 33-XXXX is 27. Shouldn't this information be the same? There is quite a gap in the FICO scores as well. XXXX is XXXX and XXXX is XXXX. 

I hope you can help me with this. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the millions Who Equifax was sending false scores & reports. Meaning Equifax did not exercise their grave responsibilities.. Equifax was unfair, was impartial, And did not respect my rights to privacy! 15 usc 1681 A ( 4 ).

Equifax never had permissible purposes, I never instructed Equifax to furnish these accounts. I never consent to these accounts in the first place. 15 usc 1681 b ( 2 ) with the accounts listed below XXXX  XXXX XXXX account number XXXX balance XXXX XXXX  XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have sent my FTC report as well as proof of my identity.

Failure To Reinvestigate inaccurate information can result in credit reporting agencies being sue under 15 usc 1681 s ( 2 ) ( b )
Product: Checking or savings account

On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.
Product: Debt collection

I was offered a settlement in full offer of XXXX dollars by XXXX XXXX XXXX XXXX XXXX for my account from key bank that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
Product: Money transfer, virtual currency, or money service

I have been working with a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to assist in the cancellation of a timeshare contract and my husband and I have. We have been working with this company since XX/XX/XXXX. 

On XX/XX/XXXX I received a voicemail message from a XXXX XXXX that said that she was with XXXX and had some good news for me concerning our timeshare situation. The number ID ( XXXX ) said it was from XXXX and I had remembered speaking to someone by that name before. When I called her back, she introduced herself as a associate of XXXX and said that our account had finally settled and the only thing left to do was to pay a title transfer fee to XXXX XXXX to finalize the deal. 

I was hesitant about using XXXX to pay this {$1000.00} fee but she mentioned the exact date that we signed our agreement with XXXX and the amount that we paid for our services. The fact that she knew this detailed information was reassuring and I was so excited that our battle with the timeshare company was coming to a close. {$1000.00} is not a small amount of money for us since we have been struggling since Covid. I'm self employed and my business was almost non-existent for over a year while we were dealing with this epidemic. 

Her instructions were to XXXX the money to XXXX XXXXXXXX with XXXXXXXX XXXX XXXXXXXX and after about XXXX business days I should get the agreement from XXXX XXXX. After getting the agreement all I needed to do was sign, notarize it and send it back and the matter would be done. I let one full week go by and started feeling uneasy when nothing came. I finally reached out to XXXX 's number on XX/XX/XXXX and got no response. I called XXXX 's main #, spoke to a representative when they informed me that other people had been scammed the same as me and they had filed a police report on the incidents. 

I then proceeded to call Wells Fargo 's fraud departement, who I bank with, to report the fraud and place my own report. The customer service rep with the Fraud Department gave me her condolences and said that I was not the first person to report this scam to them. My complaint is that they knew about this scam and are not reimbursing me my {$1000.00} because I sent it through XXXX. This is a ridiculous excuse since my money is supposed to be protected. I had every reason to believe that I was dealing with a legitimate representative of a company that I had been in contract with for over 2 years. I need the {$1000.00} that was taken from me and am asking for your assistance to get it back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accessed my Experian credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Product: Mortgage

I had a really great experience with PNC Mortage on my home loan. Who do I call and complain tio about good service and low rates. I don ' t even understand how a bank would make a loan at 2.99 % or 3.99 % and tie up their money for XXXX ur XXXX yrs at such low returns. 
Would you inves your money for a 3 % return and wait XXXX or XXXX yrs to get it back Seems odd? Why would they lend money at such low rate of interest? Please share this compliant with PNC. They gave me great service! 

XXXX XXXX XXXX XXXX