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

On about XX/XX/2022 Care Credit closed my credit card, # XXXX exp.XXXX although i did not had any pending payments. Consequently, cause me to loose score points in the 3 credit report bureau, and others like XXXX, XXXX XXXX, etc.
Product: Credit reporting

This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX Experian 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 Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of Ed/XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account {$1800.00} on XX/XX/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.
Product: Credit card or prepaid card

During a routine check of my credit report on XX/XX/XXXX, I noticed that the following credit card account had been opened in my name : XXXX 's XXXX XXXX card issued by Wells Fargo Bank Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX Account type : Credit Card Status : Charge-off Status date : XX/XX/XXXX Past due amount : {$1400.00} Balance on XX/XX/XXXX : {$1400.00} I never opened this credit card account, and someone has fraudulently opened it by stealing my identity ( at least my social security number ). 

On XX/XX/XXXX, I called XXXXXX/XX/XXXX XXXXXX/XX/XXXX@ XXXX. I spoke to XXXX who transferred me to Wells Fargo Bank @ XXXX. The representative then transferred me to Wells Fargo Fraud Detection @ XXXX. I spoke to XXXX who then transferred me to Wells Fargo Recovery @ XXXX. I was then transferred to XXXX XXXX XXXX XXXX Fraud Detection. I spoke to XXXX who filed a dispute on my behalf to the three credit bureaus. I was then transferred again to Wells Fargo Fraud Detection @ XXXX. I spoke to XXXX who informed me that my case was in the hands of the Wells Fargo Recovery department, and I should expect a call or email the following week with a status update ( sometime during the week of XX/XX/XXXX ). 

In the following days, I activated fraud alerts from the three credit bureaus. On XX/XX/XXXX, I mailed a letter to Wells Fargo Bank asking for the account to be closed, a confirmation that I will not be liable for the fraudulent account charges, and that this account would be removed from my three credit reports. On XX/XX/XXXX, I received an email from XXXX XXXX of the Wells Fargo XXXX Complaints Management Office informing me that he was researching my complaint. I subsequently froze my three credit reports and informed the IRS that I was a victim of identity theft. On XX/XX/XXXX I called the Wells Fargo XXXX Complaints Management Office requesting a status update, and I was informed that my case was had been transferred to the Wells Fargo Claims Assistance Center. They were notified of a fraudulent credit card application on XX/XX/XXXX and may require up to 45 days to investigate. The contact information that I was given is : Wells Fargo Claims Assistance Center XXXX Since first discovering the fraudulent account on my credit report, I have successfully disputed it with all three credit bureaus. XXXX removed it from my credit report on XX/XX/XXXX, XXXX removed it sometime prior to XX/XX/XXXX, and XXXX removed it on XX/XX/XXXX. I have received no further communication from Wells Fargo Bank on the matter. When I first reported the fraud to Wells Fargo Bank on XX/XX/XXXX, I spent approximately four hours being transferred to numerous departments, put on endless holds, and I was disconnected more than once. Not one representative seemed able or willing to help even though I am a victim of identity theft. 

I am seeking a written acknowledgement from Wells Fargo Bank that the fraudulent account will be closed, that I will never be liable for the charges on the account, and that this information will be communicated to XXXX, XXXX, and XXXX on my behalf.
Product: Debt collection

I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Product: Credit card

Good day. 

A charge of {$980.00} mysteriously appeared on my account. I have never heard about this company. Although I do not have any unpaid debt, I checked to see if this company took the debt from another company. All avenues pointed to the fact that this was fraudulent activity. I attempted to contact the company but to no avail. They were unreachable by phone and by email. 

This has negatively impacted my credit score and all attempts to contact them to allow them to prove that I owe them the debt, has failed. I submitted disputes via the credit reporting agencies however the result somehow showed that I actually owe the debt.

Hopefully you can contact LVNV Funding to help verify or remove this debt.

Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act Trafficking Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a trafficking victim within 4 business days I have already provided Experian with the necessary documentation proving my status as a victim of trafficking and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the trafficking. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file.

This inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the trafficking. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to trafficking beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. 

I expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the trafficking. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. 

I trust Experian will act promptly to address this matter and ensure full compliance with the law. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Vehicle loan or lease

I feel behind on my payments due to the COVID-19 pandemic. While waiting for unemployment insurance to kick in ( which was particularly slow in California ), I attempted to contact Ally a number of times to arrange deferred payment arrangements. I was told that the car payments were " too far behind '' and that they entire balance would have to be brought current before a deferral or arrangement could be made, which defeats the purpose for making a deferral arrangement. I was told that if I wanted to negotiate a partial payment, I would need to speak with a manager, which I requested to do. I was told there were no managers available, due to pandemic closures, but was assured by a representative that a manager would call back within 24-48 hours. I received no return call. I attempted a number of times over the following months to speak to a manager and was always assured the same thing - that a manager would call back, but they never did. 

After a few months, I received notification in the mail that I was being sued for possession of the vehicle. At this point, I ramped up my efforts to speak to someone at Ally to address this issue. I called at least a dozen times and I can provide XXXX call logs to verify this. On every single call, i was directed to a department that handles cases that have escalated to legal level. On EVERY single call, i was told the same thing - the only person who could help was a manager and they would have to call me back, as they don't take incoming calls. I requested this every time, yet never received a call back. 

Ally Financial specifically led me on to believe that I would be contacted by management to discuss options for my vehicle, while in the background, they prepared a legal case against me and submitted it to the court. Their behavior is either gross negligence of the highest order, or it was intentional, which is tantamount to fraudulent intent and fraudulent misrepresentation. I am happy to provide copies of phone billing statements if necessary.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

LVNV Funding LLC is trying to collect a debt I do not owe them and they are affecting my credit score
Product: Debt collection

Portfolio Recovery calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from XXXX XXXX it became their problem, not my problem anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has refused to correct entries in my credit report incorrectly stating that my CITI XXXX  XXXX XXXX Account Number beginning XXXX XXXX XXXX XXXX is an " Adverse Account, '' with a " Maximum Delinquency of 30 days in XX/XX/XXXX. '' I had no such delinquency. I fully documented this fact in my original Complaint with the CFPB ( XXXX, directed to Citibank, and XXXX directed to XXXX  XXXX. Citibank, after its investigation of my Complaint, acknowledged there was no delinquency. In its letter dated XX/XX/XXXX XXXX attached ), it stated the bank " asked the credit reporting agencies to remove the delinquency dated XX/XX/XXXX from [ my ] credit report. '' However, XXXX  letter dated XX/XX/XXXX XXXX attached ) responded in perfunctory, fill-in-the-blank standardized language, " The disputed item ( s ) was verified as accurate '' ( page 4 of 5 ). The credit reporting bureau refused to accept the results of the investigation by Citibank, the creditor here. Citibank is the sole source of information about whether or not a delinquency occurred in XX/XX/XXXX. TransUnion would have no information about this matter independently of Citibank 's records. Citibank concluded no delinquency occurred. Both XXXX  and Citibank are bound by Citibank 's representation. Indeed, no delinquency occurred and this improper refusal by XXXX  motivates this new Complaint and possible further legal action based on principles of estoppel. I respectfully request that the incorrect entries in my XXXX  report be corrected to show I have no delinquency for the account in question. XXXX  is the only credit reporting bureau to have made this reporting error. When it is removed from my report, my perfect credit payment history will thereby be restored.
Product: Debt collection

I been receiving threatening calls from this collector on an alleged debt that I have no knowledge of. My credit report doesnt reflect that I owe any debt. At XXXX XXXX, I received a call from an agent whom said I owed a debt. I asked what was the debt and he could not answer instead because I wouldnt give him my personal information to verify. He decided to call me a XXXX and a XXXX. I was in complete shock. Ive never witness such obscene language over a debt. He alas I impersonated a federal agent.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX  {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my XXXX  Report, as well as measures to prevent its re-insertion. 


XXXX XXXX & XXXX XXXXXXXX.
Product: Debt collection

This company VIKING CLIENT SERVICES LLC is trying to collect a debt purportedly for XXXXXXXX XXXX XXXX I never rented a car from XXXX. I was recovering from XXXX XXXX so I wasnt driving. The letter is vague and this appears to be a fraudulent letter. I will not contact this company as I do not want them to have my personal information. I suspect this is a new way to scam individuals of money. I am asking that you investigate. I can provide a copy of the letter.
Product: Checking or savings account

Dear Sir/Mam, This is XXXX XXXX XXXX A veteran of United States military. I would like to make a complain about a specific employee name : XXXX XXXX and a specific branch of M & T Bank, address XXXX XXXX XXXX, XXXX XXXX, NY XXXX, Ph. ( XXXX ) XXXX. More likely employee is a gang related person and possibly she stole my ID and sensitive information such as SSN and bank account info. 
XXXX XX/XX/XXXX I visited above branch to withdraw {$15000.00}. It was a balance transfer money which was available to withdraw. 
I asked teller XXXX XXXX if it would be possible to withdraw the amount. She told me yes. 
FROM THE VERY BEGINNING XXXX XXXX WAS ACTING VERY WIRED TILL THE END OF THE TRANSACTION. EVERY FEW MINUTES SHE WAS TELLING TO HERSELF " OH MAN I CAN'T DO THIS ''. FEW TIMES SHE LEFT HER SEAT WENT TO OTHER ROOM, TALKED TOO MANY TIME OTHER PEOPLE BACK THERE ( I CAN HEAR THE CONVERSATION ; SOMETIMES WAS EVEN WHISPERING ) INCLUDING RECEIVING PHONE CALLS AND HAVING CONVERSATION FOR LONG TIME AND MAKING PHONE CALLS. AFTER SUPERVISOR 'S OVERRIDE AND VERBALLY ASKED HER TO DISPENSE THE MONEY AND GIVE IT TO ME STILL SHE IGNORED, DENIED AND MISBEHAVED. 
I gave XXXX XXXX XXXX learner permit. Veterans ID and M & T bank ATM card. Also I mentioned My only mortgage was from them in XXXX, still I have their Credit card from them and I showed in M & T bank mobile app my account and transactions. XXXX XXXX asked me to fill out withdraw slip. After I filled out withdraw slip then she told me she has to ask security question. I said Ok. She started with my FULL SOCIAL SECURITY NUMBER, how did I opened the account and last transaction. I answered everything correctly then she said she needs a override from her supervisor. I said ok. After XXXX minutes wait she is sitting Infront of me and doing nothing ; I called her supervisor for her because she were not calling. Supervisor is a XXXX was sitting right behind me. Supervisor came and give her override and double verified info and asked her to dispense money and and give it to me and left. AFTER SUPERVISOR LEFT SHE SAID SHE WILL NOT ABLE TO GIVE ME ANY MONEY. THEN SHE WAS COMPLAINING SHE DOES NOT HAVE ENOUGH {$100.00} BILLS, I TOLD HER ANY KIND OF BILLS IS OK. THEN SHE SAID SHE DOES NOT HAVE ENOUGH MONEY ; SHE CAN NOT GIVE ME ANY MONEY. FROM THE BEGINNING TO END SHE DID NOT TOUCH CASH DRAWER OR ANY CASH MACHINE. AGAIN HER SUPERVISOR CAME. SHE TOOK THE SUPERVISOR BACK THERE AND STARTED TO WHISPER. I heard her supervisor telling her to dispense the money and give it to me. IT WAS ALREADY OVER HALF AN HOUR starting XXXX XXXX  to XXXX XXXX I WAS STANDING INFRONT OF HER. SINCE SHE DOES NOT WANT TO DISPENSE ANY MONEY EVEN TOO MANY TIMES SUPERVISOR ASKED HER TO DO. HER SUPERVISOR ASKED ME FOR AN OFFICIAL CHECK AND IT WILL BE AVAILABLE RIGHT WAY. It was so long and I totally felt helpless that is why I have to take the offer otherwise I will miss my next appointment. When I deposited that check to other financial institute they gave me the receipt money will be available on XXXX XXXX. So please take action against this person. Thanks for your kind concern. 

Regards XXXX XXXX XXXX
Product: Debt collection

I had a loan with freedom pluss but due to health issues and other bills had to consolidate my bills thru XXXX  to keep from fileing a XXXX  XXXX. I contacted freedom and advised them of this. I few days latter I got a call from freedom plus but when i answered it was a company called achieve regarding this debt i advised them it was under a debt consolidation. They soon began calling me daily with no voice mail. I then began to get calls from them and caller id stated we have the loan you need. I sent a formal cease and dedit to them advising i had never recieved anything saying that they aquired this loan. The following week call volume from them went up and at hours they new i would be at work. I also was recieving blocked and anonmus calls i suspect was from them as well as they imidiantly followed a call from achieve. I feel they have violated my rights under the FDCPA and would like them to stop as requested
Product: Vehicle loan or lease

This account is reporting delinquent for two months of XXXX and XXXX of XXXX both months were paid on time I believe. This amount is claimed to be late because they had added extra charges and I continued to pay regular payments without realizing that they had added extra charges. Once I was able to make contact the payment was made. I don't believe that this should be counted as a late payment. This is affecting my ability to make other purchases. 

However, Even if this information is not good enough to remove the delinquents. This is also a time when my entire business was shut down due to the pandemic. I think that since I was never late with this company and taking into account that the country was in a pandemic I believe I should be able to have these removed. I have made contact and have had no success.
Product: Credit card

I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. 
They always inform me that a supervisor will call meand no one has.