23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX  fraud called me at  XXXX  on  XXXX   XXXX ,    2017  to ask if I authorized a {$69.00} charge from  XXXX   XXXX . I said no and to block the charge. On  XXXX   XXXX  this charge was resubmitted and went through. I called the number shown for  XXXX  and it was their flight line with no option to ask about the change. After multiple calls over several hours to find  XXXX  accounting, they could not find any charge. I initiated a dispute with  XXXX  and they said they found it was a legitimate charge but could not tell me what it was for or provide any support for their decision.
Product: Debt collection

I am a current XXXX XXXX customer in good standing. I this bill is for equipment that was sent in error. I mailed this equipment back to XXXX XXXX, they confirmed receipt and in return sent to correct equipment. I have request this matter be cleared and debt removed however I have received the run around with no resolution. I do not owe this debt and I do not have any additional equipment.
Product: Credit reporting or other personal consumer reports

don't recognize these inquiries i asked credit bureaus to remove them but they didn't remove them i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.
Product: Student loan

*The prefilled options did not apply to my complaint The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

This breach constitutes a clear violation of FERPA and your obligation to safeguard my personal information. 

Given the severity of this violation and the resulting compromise of my personal and financial data, I formally request the immediate cancellation and full discharge of my student loan debt.
Product: Credit card or prepaid card

On XX/XX/2022. I checked my credit report on XXXX XXXX and saw an account that I've never seen before. the way if shows on XXXX XXXX is : FEB-RETAIL Credit Limit {$4000.00} Opened XXXX XXXX FEB-RETAIL XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX This is not my account I never opened it. This is Identity theft. I lost XXXX points on my credit report because of it. It needs to get restored.
Product: Debt collection

Initially on XX/XX/2020 I reached out to this collection company demanding a cease & desist and to stop all communication unless it was via US mail. They failed to comply and continued to email me making false statements that I approved the communication. I have proof via certified mail receipts and previous letters sent. They have failed to provide me with any proof that I owe the debt to the collection company and also have inaccurate reporting on the account on my report. This company has violated almost every part of the FCRA and the FDCPA. If I might add, also violations of the XXXX for erroneous and outrageous fees for a debt I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.
Product: Money transfer, virtual currency, or money service

My account was ban and close without warning thats unfair for me my account use to sell online with no illegal activities or despute and cases thats why I need help to rsestore my account Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I submitted an investigation and requested a debt validation. Equifax failed to properly investigate the account and remove the inaccurate and unverifiable information from my credit report. I submitted a debt validation request to the original creditor using the same information listed on my credit report and they responded back saying they were unable to located an account with the information provided. 

How is Equifax able to verify, report, and update account on my credit report but the creditor dont have any information regarding this account? 

I am requesting that this account be removed immediately for failure to validate.
Product: Consumer Loan

Wells Fargo repossessed my vehicle, after 2 months of missed payments. The initial loan for was XXXX and I had paid on the loan for 5 years. The balance owed on the loan was approximately XXXX. The car was sold at auction for {$5100.00}. I now have XXXX negative accounts on my credit report saying I owe Wells Fargo a balance of XXXX. When I called Wells Fargo about the very high balance due I was told that the balance imposed is for legal fees. I was also notified by Wells Fargo that I have to claim the balance of {$5900.00} on my XXXX taxes as income and when I asked for an explanation on that, because I did n't quite understand, I was told that I had to claim it as income because that is the way is it done. 
I wanted to add that I had XXXX, that led to my inability to pay for 2 months, because I was out of work from being hospitalized and being rehabilitated. I did contact Wells Fargo, XX/XX/XXXX, to try and offer a settlement and I was refused because the offer was too low of an amount. 
Also on XXXX/XXXX/XXXX I sent a letter to Wells Fargo asking for them to validate the debt and to date they have not responded to my request. Wells Fargo signed for my letter on XXXX/XXXX/XXXX and my credit report was not marked as " disputed " until today XXXX/XXXX/XXXX, an I have not gotten any validation pertaining to the debt.
Product: Credit card or prepaid card

BJ 's Perks Master Card by Comenity Capital Bank lost my payment. 
Electronic bill payment was made from XXXX Checking account on XX/XX/XXXX payment amount : {$1100.00}. Lost payment dispute was open in XXXX and still wasn't resolved. On XXXX Comenity Capital transferred all BJ 's accounts to XXXX XXXX. Now I have a new card and a new account, but still, I have the same debt. All my calls to Comenity or to XXXX XXXX didn't yield any result.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit card or prepaid card

I called American Express customer service on XX/XX/2020 for an inquiry of product change from American Express everyday preferred credit card to American Express everyday credit card. In that phone call, I double confirmed with the customer service person named XXXX that after I do this product change, nothing will happen to my existing membership reward points. Besides, I also asked her if there is any documented record from American Express that can be used as a proof. The customer service, XXXX confirmed that the phone call would be recorded as the proof. By confirming these two points mentioned above that my membership reward points would not be taken away, I decided to make the credit card product change from American Express everyday preferred credit card to American Express everyday credit card. However, on XX/XX/XXXX, American Express did a point adjustment of XXXX points to my account. I believe either AMEX membership reward system or AMEX trained professional customer service person made the mistake that leads to deducting my membership point from my account. In this case, I tried my best to confirm with the professions from AMEX on the concerns I had. Therefore, I think I shouldn't pay the penalty and AMEX should give XXXX points back to me.
Product: Debt collection

XXXX is charging me fees on fees for a fraudulent charge that they recovered. They have since sent the fees on fees wrongful charges to collections. They are also filing negative reports with the credit bureaus. 

This is immoral, unethical, criminal and Negligent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i reached out to TransUnion and multiple companies that are reporting inquires on my consumer report directly to TransUnion, who still furnishes the information without my consent o knowledge. 

Transunion told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

XXXX XXXX, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

Over XXXX days ago I credit report was run on me for XXXX in the middle of XX/XX/2023. They said they had to wait on something to come back from XXXX  that was showing up on my background. I told them I never let the XXXX and never been there. I called XXXX. They said it was a male and they were white I informed XXXX and checkr what the issue was they neglected to fix the issue and each time that I call email or corresponded with them they say the same thing at each time on checkr the date gets pushed back for my background. This is an accurate information on me that is affecting my livelihood and causing a hardship cause its mistaken identity and they are not doing anything about it but giving me the runaround
Product: Credit reporting or other personal consumer reports

I am requesting you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Product: Debt collection

Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.
Product: Debt collection

I receive numerous phone calls and numerous numbers from Portfolio Recovery. At least 10 calls a day. 
The only debt it could be was already discharged from XXXX XXXX for {$900.00} four years ago during a divorce. 
I can't take this harassment anymore. I'm XXXX years old and not healthy. They call all hours and as I said at least 10 times a day. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.
Product: Money transfer, virtual currency, or money service

In XXXX, 2021 over XXXX on transactions were transferred, in ONE day, to a person I had yelled only a handful of times. I brought this attention to Wells Fargo the next day due to it was Sunday & XXXX was closed. ( this occurred on XXXX XXXX, I will never forget because I check my balance online daily, at the minimum & I went into panic mode ). They referred me to the fraud department who investigated and finally sent a letter in the bank 's favor, the transactions where legitimate. I contested the decision & was working with a woman named XXXX. I explained repeatedly I did not authorize these transactions ; XXXX in 24 hours and is well over the amount you can XXXX  to a person incrementally or at once. Wells Fargo closed my case after escalating ad high as I possibly could, including contacting headquarters. I'm out XXXX and basically had zero recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I have noticed on my history address there is an address from XXXX XXXX, NY which I've never been to New York.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissapointed to see the Credit Buraeus take no action in order to correct my Credit file and and delete the fraudulent information in my Credit report. I have been send ing dispute letters as well as submitted countless complaints through the CFPB in order to notify the Credit Bureaus regarding my intention to correct my Credit File. The last letter I sent to te Credit bureaus was XX/XX/XXXX, in hopes that the Credit Bureuas would finally take a look on my Complaints. By ignoring my Dispute letters and failing to respond, the Credit Bureaus have failed to comply with the FCRA regulation especially with the FCRA section 605b which requires the Credit Bureaus to remove any account and information that resulted due to Identity theft. I am tempted to pursue legal action against the Credit Bureaus and I have informed my legal counsel about my plans and they are more than willing to help me. If it is not too much trouble, I need the following items deleted as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXXXXXX XXXXXXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. If the Credit Bureaus insist that these items belong to me, I need them to provide me with documentation that contain my siganture to support the Bureaus ' claims that the items were mine. If unable to do so, Remove the disputed items as soon as possible.
Product: Mortgage

I refinanced my home mortgage. The refinance closed at the beginning of XXXX 2016. 
My loan servicer, before this refinance closed, was Freedom Mortgage. 

The title company, for the refinance XXXX XXXX XXXX requested a prepayment for the second half of our 2016 property taxes, {$2300.00}, due on XXXX XXXX, 2016. XXXX paid the property tax on XXXX XXXX, 2016 check # XXXX. 

After receiving my escrow refund from Freedom Mortgage, which was less than I expected, I logged in to Freedom Mortgage 's website, and realized Freedom Mortgage had also submitted payment for the property tax from my escrow account on XXXX XXXX, 2016. 

I called Freedom Mortgage on XXXX XXXX to inquire about this double payment. They told me the tax department would have to investigate my claim and this would take up to 30 days. On XXXX XXXX, 2016 I called Freedom Mortgage and they told me that their payment was not refunded to them, and I should call my county treasurer. 

According to our XXXX County XXXX, Freedom Mortgage uses a third party XXXX XXXX XXXX to handle tax payments to them. XXXX receives payments in bulk from Freedom mortgage early in the month of XXXX and pays near the due date of XXXX XXXX. Also, according to XXXX County Treasurer, the county tax roll is updated to XXXX on a nightly basis, and since the tax was paid on XXXX/XXXX/2016, the payment for our parcel would be deflected, email attached. 

I called XXXX to confirm this information. They told me that the payment for our parcel was deflected and they had refunded the payment to Freedom Mortgage in a bulk refund of {$63000.00} check # XXXX on XXXX XXXX, 2016, email attached.