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

Someone open a XXXX XXXX XXXX  Account number XXXX without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Debt collection

We've sent your complaint to the company, and we will let you know when they respond Their response should include the steps they took, or will take, to address your com Companies generally respond in 15 day + In some cases, the company will let you know their response is in progress and provide a XXXX final response in 60 days.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Transunion, XXXX, and XXXX. The credit companies are not complying with their own policies in a timely manner.
Product: Debt collection

A few months ago, I was contacted by phone by XXXX XXXX about a medical debt from XX/XX/2017. When I answered, they tried confirming my information and my social security number was incorrect so I hung up because I thought it was a scam call. Then, I received notification by mail that I owe the amount of XXXX to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I notified the company through mail that this is incorrect and would like to dispute the information and be provided documentation. The documentation provided shows an incorrect social security number. I am sure I paid this debt in the past and convinced I am being double billed for a service. I tried contacting XXXX XXXX, who was the original creditor, and they could not find any information about me with both my new and incorrect social. I do not understand how I can be billed 6 years later under something with an incorrect social AND when the original creditor doesnt even have any information on my account. I believe I am being billed falsely and illegally. This collection agency should not even be attempting to collect a bill that isnt with the original creditor or with incorrect information.
Product: Mortgage

Received loan modification documents in the mail from Regions Banks, the modification terms is setting me up to lose my home. The interest rate isn't a fixed rate for the term of the mortgage and its a interest only mortgage loan. The economy is very unstable at this time and I don't want a mortgage loan or interest rate that is going to make me lose my home to foreclosure. There is also a pending property foreclosure sale set for my home XX/XX/2019.
Product: Prepaid card

Purchased {$200.00} amex egift card and activated on XX/XX/year>. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes but card was declined. Never had this problem before with any other credit card or pre-paid gift card. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes again but declined. 

Went to support site and one of the suggestions was to add it to a mobile wallet. 

XX/XX/year> - tried adding card to XXXX XXXX  and it was declined ; XXXX said to contact the card issuer ; this also left a {$0.00} pending hold on the card XX/XX/year> - called the support number at XXXX and none of the endless menu options were helpful. 


Overall, funds that are needed are being held in this unusable gift card. Can someone help me figure out how to use this card or refund me the {$200.00}? 

If this is not possible, is my only alternative to call my credit card company and ask them to mediate this?
Product: Checking or savings account

Thank you for your time my name is XXXX XXXX This is dealing with Bank of America double account I was in possession of a Bank of America account in XXXX Texas the problem was I ran credit card for transportation companies for customers to and from XXXX XXXX  when I would check my balance once, twice a week their was always a extra charged on account from Gas station or somewhere else and bank of America never fixed the accounts. They would say yes we see something let me see if we can see what is going on but never put back my money or tell me what happen. Operator just ask card number and send you to another operator so how do I go about being compensated because I know my account was used Incorrectly ... Now they just got in touch with me about a job debit prepaid card and only gave me back XXXX they act like no you did not call us we do not have your account but I know they lying because they just settle my prepaid account. on last week and rushed me off phone. I Had a business account XXXX XXXX XXXX. 



sincerely XXXX XXXX
Product: Debt collection

A lady named XXXX from Penn Credit Corp first called me on XX/XX/18 at XXXX XXXX. I called back the same night, XX/XX/18, at XXXX XXXX. She immediately asks me for my personal information in order to verify who I am so that she can tell me what this alleged debt pertains to. She would not tell me what company she's representing or what the debt is. I told her that she has to mail me something, and she refused to. She said she will not tell me anything or mail me anything because " she doesn't know who I am. '' I again repeated, " I don't know who YOU are. '' And she said something like, " Well that's ok if you want to act like that, '' and hung up on me. She/the company has since called me again on XX/XX/18 at XXXX XXXX  and XX/XX/18 at XXXX XXXX. I have not answered, and I have blocked the number. I have not received anything in the mail. This is some type of scam. I check XXXX at least once a day, and I am 100 % positive I have no outstanding/unaccounted for debts. I settled all of my debts last year. 

How she's violating my rights, per your website : will not/has not sent me a written " validation notice '' within five days of first contacting me. Will not tell me how much money I owe or the creditor I owe it to.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX UNIT XXXX XXXX, CA 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX XXXX
Product: Debt collection

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$130.00}. According to the FCRA, I have the right to an accurate credit report. Please provide meacopy of my new credit reportingreflectingthisaccountremoved upon completion.
Product: Credit card

Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
XXXX Consumer Financial Protection Bureau. Cc Attorneys General XXXX XXXX XXXX XXXX XXXX XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX  XXXX. XXXX Federal Trade Commission. XXXX State Regulatory Agency
Product: Checking or savings account

WellsFargo in XXXX sc on XXXX XXXX they opened a Savings Acct. I closed the acct because I felt like my acct. was tampered with by a inside Employee. 
XXXX.They actually opened up 2 Accts without my Consent but when I asked no one knew what took place. 
1.1st acct XXXX savings acct # XXXX 2.2nd acct XXXX XXXX acct # XXXX XXXX XXXX
Product: Credit card

I pay Chase Bank weekly for my credit card bill. Despite receiving my weekly payments that cover the monthly charges and late fees with extra to go toward my balance, Chase calls me numerous times a day demanding more money.
Product: Credit card or prepaid card

dates, amounts, and actions please see attached documents explained within this complaint. Also, the action I have taken but the company to no avail keep delaying for time in resolving this consumer credit card complaint.
Product: Vehicle loan or lease

In short I have this issue with Chrysler for over 5 year. I purchased a vehicle in my early 20s,  a used XXXX. Having buyers remorse I returned the vehicle to the lot and was told that it would not effect my account or credit because it was not pass the first initial payment. Taking their word for it I delivered the car in great condition and gave them the keys. Month later and so on I am getting charged for the vehicle as if I still own the vehicle. However when I called and asked about the situation they were nasty about it and did not stand by their word and continued to charge me even after being sold ( the vehicle ). They refuse to take it off my report and I am not settling for anything more than the time I physically owned the vehicle. Less than a month which should be {$400.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, L ; XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Mortgage

I was a day away from closing escrow, when my realtor alerted me that some company by the name of XXXX XXXX XXXX XXXX XXXX has placed a possibly fraudulent assignment on the title of my house at XXXX XXXX XXXX in XXXX XXXX ca XXXX, on or around XX/XX/2017 right around the time that my current lender re -branded itself as MRCooper   because of several pending lawsuits against them. 
It has been over a week that I have been trying to find answers from Mrcooper to try to remedy the cloud on my title and they keep on giving me the run around! 
I found out that Nationstar might have gotten a hold of my subprime mortgage from a know predatory lender ( XXXX XXXX XXXX ) as a part of an illegal loan modification performed by the now jailed attorney doing business in XXXX  and XXXX ca DBA XXXX XXXX XXXX.I urge you to investigate this matter further as I will for sure be loosing my buyer! 
Thanks.
Product: Checking or savings account

I signed up for this checking account with a sign up bonus offer of {$600.00}. 
I have met all the requirements and the same has been confirmed by the CITI bank customer care agents. 
The last date for the {$600.00} has already passed and In spite of multiple follow ups nothing has been done. 
Please Deposit the promised bonus. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and the accounts that are reporting in my credit report. See the documents i'm attaching letter, ftc and my id 's to help you regarding this investigation.
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to buy a home and pulled my credit report and realized there are a lot or fraudulent activities of identity theft on my report. I filed an FTC report to have these removed due to law 15 u.s.c 1681 there should be no damages to my report as this is ann defamation to my character and they have refused to remove these items. Experian, XXXX and XXXX have all Refused to remove these after numerous attempts. The fraud happened in cities and states I have never been to and I would like these removed from my credit report as they do not belong to me. This is hurting me from being able to purchase a home my current home is being sold and without these off my report I do not qualify for a mortgage. After multiple attempts these companies refuse to investigate and remove these from my credit report this is a defamation to my character I have sent these twice to each company and I will upload two separate copies of two separate reports that were made.
Product: Credit card

My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail
Product: Credit reporting or other personal consumer reports

In my original complaint regarding the inaccurate reporting of a collection account by XXXX, associated with XXXX  XXXX XXXX XXXX, I provided detailed information showing that the account had been fully paid. Despite this, the account is still being reported as open with a balance of {$910.00}, which is causing damage to my credit report. 

On [ insert date of original complaint ], I submitted a formal dispute through the appropriate channels. I received a response from XXXX on [ insert date of response ], stating that they were unable to locate my credit report. Following this, I sent the requested identification and documentation, but the issue remains unresolved, and the inaccurate information is still listed on my credit file. 

XXXX XXXX XXXX XXXX : It is important to note that under the recent student loan relief efforts implemented by the XXXX administration, there have been significant changes in how student loans and related accounts should be handled. These reforms provide protections for borrowers, including more accurate reporting of loans and collection accounts. The ongoing incorrect reporting of this account, despite it being paid, goes against both the Fair Credit Reporting Act ( FCRA ) and the intent behind the XXXX administration 's student loan relief policies, which aim to protect borrowers from harmful credit practices and ensure accurate reporting of student debt. 

Relevant Legal Protections : FCRA Violation : Under 15 U.S. Code 1681s-2, data furnishers must report accurate information. The continued reporting of this account as open and derogatory is a violation of this law.

FDCPA Violation : As per 15 U.S. Code 1692e, debt collectors are prohibited from providing false or misleading information. Since the debt has been settled, it should not appear as open or delinquent. 
XXXX XXXX XXXX Protections : Under new federal protections and relief measures, the inaccurate handling of student-related debts, such as this one, undermines the goals of the XXXX administrations relief efforts and the protections guaranteed to borrowers. 
Request for Resolution : I am requesting immediate action to correct this inaccurate reporting. The account should be updated to reflect a {$0.00} balance and " Paid in Full '' status, and all derogatory remarks should be removed. If this issue is not resolved promptly, I will be left with no choice but to take further legal action to enforce my rights under federal law and ensure compliance with recent student loan relief protections.
Product: Debt collection

My identity was stolen and someone opened up a XXXX account in my name in Alabama. I reside in New York and have no nexus to the state of Alabama. They ran the bill up to {$3000.00}, I learned XXXX assigned the case to Amsher Collection Services ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL XXXX. Amsher is represented by XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX # XXXX, XXXX, AL XXXX ( XXXX ) XXXX. Neither Amsher nor XXXX XXXX will provide a bill or statement of amount due. They hang up on me when I ask for any kind of statement. They never provided any verification of debt. Without any kind of statement I am unable to file a police report, and if I am unable to file a police report I am informed by the credit agencies I can not successfully have the debt removed from my credit.