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

I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : XXXX XXXX XXXX with a balance of {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX RUE XXXX XXXX XXXX GA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

Refinanced a loan with freedom mortgage, At the beginning of XXXX I saw they charge me {$950.00} for property tax on a house in Florida, I called and kept calling they were always working on it, And when I would complain they would all of a sudden lose my insurance information and tax information, Call back the end of XXXX And they told me it could take quite some time to get a refund, Call back a few more times In XXXX And still no progress, So I just did a complete audit all the way up To present date, And I never got a refund no credit back to my escrow account and no check And now they don't know anything about it. All the Internet searches I have done with this company, This kind of problem is very prevalent. So I Desperately need some help to get my {$950.00} + intrest back. Thank you :
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted my identity theft reports to XXXX, transUnion, and XXXX and they are still reporting the inaccurate information. As well as some of the collection agencies are harassing me including credence, portfolio recovery associates. I submitted the disputes and the documentation at the beginning of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing open accounts on credit file after unauthorized use of information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two student loans from XXXX XXXX which were serviced by Navient. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX. From that point forward, Navient has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. Navient, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By Navient continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with Navient by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, Navient indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, Navient continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue Navient for its willful behavior.
Product: Debt collection

I filed Chapter XXXX bankruptcy on XX/XX/XXXX. This debt was listed on my Chapter XXXX bankruptcy.The debt was discharged on XX/XX/XXXX. The debt was purchased by this bill collector and they are attempting to collect a debt that has been discharged. The case was closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date XXXX XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX  Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without without my written instructions.
Product: Debt collection

compromised credit file 4th attempt. lic is on file with all 3 credit bureaus
Product: Credit card or prepaid card

The amount is XXXX. They have been illegally taking benefits for the last 6 weeks to pay for a negative charge that I've proven beyond a reasonable doubt is invalid. Even have the other party saying they were trying to refund it. The dispute has been opened for more than 90 days and still no resolution. The investigation team is the poorest excuse for human beings ive ever encountered. This company should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WRITING IN REGARDS TO ONGOING PROBLEM THAT AFFECTING MY CREDIT SCORE. THE PROBLEM IS XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA IS REPORTING INCCURATE INFORMATION ABOUT MY CREDIT. IT SHOWING A VEHICLE I USED TO OWN THAT I HAVE RETURN THE BACK IN 2014. AND THEY HAVE BEEN SOLD AT AUCTION. THEY ARE REPORT IF I STLL HAVE THIS VEHICLE IN MY POSSESSION AND MISSING MY PAYMENTS. I DON'T HAVE THIS VEHICLE AND HAVE NOT HAD THIS VEHICLE SINCE BACK IN 2014 WHEN I RETURNED IT TO THEM. NEED HELP TO REMOVE THIS FROM MY CREDIT OR REPORT IT CORRECTLY. BECAUSE IT IS MAKING IT HAD FOR ME TO GET REMOVE HAVE TRIED DISPUTED IT BUT STILL END UP BACK ON MY CREDIT REPORTING INCCURATE INFORMATION.
Product: Credit card

On or about XX/XX/year> I noticed 10 charges of {$710.00} and one charge of {$500.00} amounting to a balance of {$7600.00} on my Apple Card/Goldman Sachs US Bank Inc. card . I contacted apple card right away to let them know that it seemed like my Iphone had been hacked and all these charges were on my account. I placed a dispute with them. Since that day they have not been able to resolve the fraud issue. They keep putting the charges back into the card expecting me to pay. I keep disputing the charges. I had another credit card on the wallet app that was also hacked and right away they took care of it. I had to change my passwords on my apple card and Iphone. I asked Goldman Sachs where those charges came from and they mentioned that the merchant was from a game website. I informed them that I'm XXXX XXXX XXXX and do not play games on my phone or any other device. I've spoken to them several times to please resolve this issue and they have not helped me at all. Every 3 months they will add the charges back to the account without notice and I have to keep calling back to file a dispute. I spoke to them today XXXX and still they will not resolve the issue. This is very frustrating that they are not helping me the consumer. Thank you for help.
Product: Debt collection

they say that i charged some items last year, in a different city, it wasn't me
Product: Consumer Loan

In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding unauthorized overdraft fees that were charged to my account. In the year XXXX, Wells Fargo Bank applied overdraft fees of {$35.00} per transaction for a total of 12 transactions, amounting to nearly {$420.00}. I did not authorize these charges and was not aware of the overdraft fees being applied to my account. 

In XX/XX/year>, I contacted Wells Fargo Bank to request a refund for all the unauthorized overdraft fees. Despite my request, Wells Fargo Bank only refunded {$70.00} for two transactions, leaving a substantial amount of {$350.00} still outstanding. I have not received a refund for the remaining charges, and the bank has refused to provide further reimbursement. 

I wish to emphasize that I did not authorize these overdraft fees and it is unjust for Wells Fargo Bank to withhold the refund for charges that were not approved by me. I urge Wells Fargo Bank to review my account history, acknowledge the unauthorized nature of these charges, and provide a full refund of the remaining {$350.00} without further delay. 

I have attached relevant documents, including copies of my account statements highlighting the unauthorized overdraft fees and the partial refund provided by Wells Fargo Bank for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that IC System Inc. is reporting on XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why IC System Inc. would be reporting on their behalf. 

I have disputed these items with XXXX, but to date they are still reporting.
Product: Money transfer, virtual currency, or money service

I staked XXXX in a crypto currency called XXXX XXXX this past XX/XX/XXXX, knowing and agreeing to have my money help finance the launch of this new blockchain. I expected to be able to trade within 3 months time, ( the only update they have posted for months now says that trading will be made available in the latter part of the year ). It is now XXXX XXXX, and it has not yet become tradeable. Unfortunately, I need to access my funds, and need to quite urgently, as I am unemployed AND moving, AND starting school. Not only am I unable to cashout and close my account, but they have made it completely impossible to do so ... to the extent that I am locked out of my account, and unable to even look at my portfolio. I have called at least XXXX times. Lately, I have realized that if I call in the middle of the night I can reach a human. But these humans are low on the totem pole, and unable to do anything to help navigate me through this disaster and close my account. I have been told to contact support via email to " escalate '' my account, but I am unable to even do that, as I can not make it past the authenticator page which doesn't work - no matter how I try, or even when their own support has tried. One customer service agent suggested I open a 2nd " upgraded '' account, and sent me the link to do so, thinking that if I could get my ID verified AGAIN, which I've done at least 6 times now, on the new account, then-being the same person, I could transfer the coin to this account, bypassing the hiccup of XXXX that I've tripped into, and cash out there, and close THAT account. So, in XXXX min time, ( on this new account ), I did what I haven't been able to do in XXXX weeks or more with my other account. Obviously, they don't want to close or cash out this staked XXXX, why? I don't know, it is more than a bit frustrating, and like I said, I am VERY in need of the cash, or I wouldn't bother! I have never in my life had such a blatant series of website flaws prevent me, maliciously, from accessing my money, and I have never in my life, had such a poor customer support experience. I'm beginning to think I won't ever get my money out, and if I don't come up with the {$500.00} I need for gas and classes this coming Monday, this experience will set me personally back the XXXX I have invested in my future career, as I won't be able to fund my very long commute to my temporary lodging XXXX hours away from where I live, therefore miss my classes altogether, because after 2 months of trying to cash out and close my account, Coinbase simply won't let me. 
Please help me. I'm desperate to aquire mediation in hopes of a resolution before XX/XX/2021. I am desperate to close my account, and they simply will not do it, nor will they respond to my tickets with any actual results that will make this happen. I am sick about this. This business needs to go. Awful experience. Unreal.
Product: Mortgage

Someone checked my credit and processed an mortgage application, then sent me docs for signatures without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I do not now it so please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Equifax since XXXX of 2020 asking them to investigate accounts I feel are reporting inaccurately on my account. I have yet to receive a response for a couple of accounts. XXXX is still reporting inaccurately with no update, notation or anything letting me know an investigation was completed. Also, I have an account with no creditor on my report. How can I verify or even know if an account is mine if there is no creditor listed?
Product: Debt collection

I requested that this company send validation of my SSN and are how obtain. the company have not responded to my request instead sending a letter stating that they are threatning to put this on my credit file. The company should be able to support the validation of the method of them obtaining vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

When I contacted the company ( MyBestBuy Citi Bank ) they told me my account was created in XX/XX/XXXX, but I had charges as far back as XX/XX/XXXX. When I set up the account in store, the employee had helped me sign up, & was the only reason I did sign up. He told me there was a promotion going on where you only pay {$30.00} a month for 12 months then start paying the actual fee. Turns out after the 12 months thats when interest rates are applied. That was never informed to me. The date they applied the interest ( XX/XX/XXXX ), they did not send me an email, statement, or anything informing me of this change. Every other month I normally receive a statement, but on the date my promotion ended, no statement was ever sent. The dates I was charged any interest, I was never notified. I got charged interest on multiple dates without my knowledge ( I have a paper copy of every single thing involving this whole ordeal ). They claimed they sent me notifications of this. Because of this claim, I personally printed every single thing I had around this case to try to show them I was never informed ( I mailed this to them ), & they literally told me over the phone they were not going to read through the packet I sent them. Even when I tried going through everything, I couldnt find anything on my actual promotions, end dates, or anything. When I told them of this they ignored me. Everything I tried to do was just trying to figure out why I wasnt notified, & their constant claim was that they did notify me. Originally I did not know this was a credit card I was signing up for, I thought it was a promotional plan by the company. If I would have known, I wouldnt have signed up with them. But even after that, if I would have been notified about the promotional plan ending, I would have paid my bill off in full, since again, I was unaware it was a credit card that I was using. The way they described the plan to me was not what it turned out to be. They described it more of a payment plan rather than a credit card.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft, and fraudulent information has been added to my credit report, severely damaging my credit. Specifically, two accounts were opened without my authorization : XXXX XXXX XXXX - Account # XXXX, with a reported balance of {$9300.00}. 
Credence Resource Management -. 
These accounts and several related inquiries were added fraudulently, and I did not authorize or initiate them. I have already disputed this information with [ Credit Bureau ( s ) Name ( s ) ], requesting that they be removed under my rights as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information related to identity theft. 

Despite my requests, these accounts and inquiries have not been removed. The continued presence of these fraudulent items negatively impacts my credit and is causing ongoing harm. 

Resolution Requested : I am seeking : The immediate and permanent removal of all fraudulent accounts and inquiries. 
Confirmation of the steps taken to address my identity theft claim and prevent future unauthorized reporting. 
If my dispute is not resolved promptly, I will pursue further legal action to protect my credit rights and ensure compliance with FCRA requirements.
Product: Credit card

This was first opened as an XXXX XXXX AAdvantage account in order to get miles for flying. I was never able to use the miles so decided to close the account. I paid it off in XX/XX/XXXX and assumed it was closed. 

When I received a bill for {$50.00} user fee for XXXX, I called to dispute it. I was told the account wasn't closed and I still owe the fee. I've spent innumerable time with people who speak very poor English. At the end of the last call I was told my account was not closed in XXXX but they would close it now. BUT I still owe the {$50.00}. I told them I will NOT be paying it. 

I started getting daily phone calls giving directions for making a payment. The calls have been coming daily, even Saturday and Sunday. 

Please be advised this is beginning to look like XXXX ABUSE. I do not owe this fee and am fed up with the daily phone calls.