23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain unauthorized inquiries listed on my credit report. I am a victim of a data breach, and the inquiries detailed below were made without my knowledge or consent.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYCAPITAL/OVER XXXX Date Opened XXXX. XXXX, XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC is reporting {$670.00} is owed to them, with an original account balance from XXXX. 
I called ERC on XX/XX/2020 at XXXX AM to get more information. They informed me they do not have an account there for me and that it was closed XXXX. Then I called XXXX at XXXX on XX/XX/2020 and they told me they can't access any accounts on/for me. Both companies put the blame on the other and were not helpful in giving me any information on how to get this removed.
Product: Debt collection

I disputed XXXX XXXX XXXX, XXXX account on all XXXX of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent  another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.
Product: Credit card

I went to Ashley 's Furniture Store in XXXX XXXX, and was told I was approved for up to {$7200.00} made an {$8000.00} purchase and paid {$800.00} cash now the credit card company is saying I was only approved fro {$6600.00} and it dropped my credit score by XXXX points because the account shows overdrawn. Please have Ashley 's Credit Department fix this I was lied by them just to get the sale I see this as a Bait and Switch and a UDAAP violation very deceitful. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX  XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Prepaid card

Someone got ahold of my card numbers in XX/XX/XXXX and signedme up for a dating service. When I found out about these unauthorized charge I immediately contacted the card company and was told that " by law '' they had to cancel my card issue me anew card and dispute the charges with the dating site. So far, so good.Ireceived my new card in time to pay my rent, on the XX/XX/XXXX.. 
I have been using it for regular purposes and for NOTHING I have not used it before. This last monday I went to pay my vets bill and was told my card did n't work. I called the card company and was told that it was on hold do to possible fraud. The representative and I determined that the few charges I had made were legitimate. However they wanted proof of who I am. 
They asked me to FAX them these items ... Drivers license, social security card and a utility bill. I IMMEDIATELY informed them that I paid my utilities with my rent and a " separate '' utility bill was IMPOSSIBLE. They suggested ( and approved ) that the first page of my lease agreement would suffice. These items WERE faxed ( an received ) yesterday. 
Let me interject at this point that the original card numberwas ... XXXX this was the one they closed the NEW card number is ... XXXX. 
I DO NOT have a fax machine and have had to use the one in the managers office and work around her schedule to use it. Here are the fax numbers that upside provided me ... XXXX or XXXX. The first one is the one used and was given confirmation that the fax HAD been received. 
I called " upside '' this morning and was told that because I had NOT submitted a utility bill the account would remain on hold, I reminded them that I was informed that the lease agreement would be okay. They " suggested '' that I have the leasing company " break down '' the lease agreement to show utilities paid. This is impossible, my leasing company is " The City XXXX, Iowa '' and I am on " low income housing '' subsidized by HUD. 
Here comes the BIG lie ... .after having said that the lease agreement was unacceptable, they then deny even receiving the fax AT ALL. 
Add to this mess UPSIDE is going out of business and I am under time constraints to move my funds to another prepaid card company BEFORE, Upside is " no More ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting on my credit report as a derogatory account after I have paid this account.
Product: Mortgage

I have a mortgage that is serviced by Ditech ( https :  //www.ditech.com/ ). I 've noticed a flaw in Ditech 's online payment process, that I believe to be an intentional act of deception to increase their own revenue in a way that a consumer ( borrower ) would never notice. Let me explain : When initiating an online payment on Ditech 's customer portal, the main welcome screen after logging in will show my current mortgage balance. If my payment is late, or there are any other applicable fee 's, this number will reflect them. 

Now, I click the green button to " Make An Online Payment '', and I 'm redirected to a screen with my past payment history. Here I see a ledger of my prior payments. I then click continue and I 've arrived at the Electronic Payment form which has my payment amount pre-populated for me. Maybe you 're thinking, " How nice of Ditech to make it easy and pre-populate my payment amount ''. WRONG! Yes, that would be convenient assuming I did n't have any late fee 's, but let 's assume I 'm making a late payment. Their form will still only display my monthly payment without penalties and fee 's. Nowhere on the payment form does it show anything about late fee 's. What 's worse is, the total payment field can not be edited, but they do include an " additional amount '' field where you can add to your payment. 

Ok. So I login. I see that I owe {$1600.00} from my main welcome screen. 

*Click* Make Electronic Payment > Continue > Electronic Payment Form. *Click* I see that my payment amount is pre-populated, but this number says {$1600.00}. Huh? 

*Click* Back Arrow, Back Arrow, Back Arrow *Click* Ah, I see, I owe some late fee 's. 

*Click* Forward Arrow, Forward Arrow, Forward Arrow *Click* Now I add that amount in the " additional amount '' box underneath " payment amount '' and everything is copacetic. 

How many people do you think completely miss the fact that they must manually add in their late fee 's? Making a payment in a hurry, I would imagine a very large number of people click through each of the screens without even realizing that Ditech wo n't include the late fee 's on their pre-populated " payment amount '' box. 

By leaving the {$50.00} late fee off, next month that late fee will grow and grow..and grow, leaving Ditech with a nice little bonus. Multiply that by the amount of loans they service and it probably adds up to a very large number. 

They have a very sophisticated portal, so I can not imagine this being a technical limitation. I mean, all they would need to do is pull a different number into the form ( instead of the monthly payment, pull the current balance ). Alternatively, they could include my late fee amount on the payment form, in red. 

They are a massive company that has been in business for a while, so I do n't see this being an accident either. It looks, smells, and feels like deception.
Product: Credit card or prepaid card

The company is XXXX 's XXXX XXXX. The credit company is Comenity Bank. 
I set up an autopay for my account. When I contacted them they said that the information I put in the payment section was incorrect. I called my bank to verify that the info was correct. It was. So I went ahead, just in case, and re-entered the information. I paid the XXXX on the account. I contacted them via a message on their site to see if they would excuse the fee on XX/XX/22. I tried calling them, but I got cut off when I didn't click the right option because none of them applied to what I needed. On XX/XX/22 they sent me a response that the account was closed so they could not credit the fee of XXXX. I didn't see the message on their website until I received the statement in the mail that showed now my fees were XXXX. I went on their website and saw the message saying they could not give me the credit because the account was closed. I have no idea why they didn't email me or call me. They have both my email and phone number. I called to see if they could excuse the fees again. The response was that the account is closed so they can not credit the fees. My response to them was if the account is closed and you can not credit the fees how can you be charging the fees on the closed account. One can't work without the other. They would not credit the fees. It is not about the money, it is about the shady practice. I think they have done this on purpose to make money. Very troubling to take advantage of people. I also went to check their reviews, they are very low, so I don't think I am the only one who had had problems with them. Thank you, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I, XXXX XXXX, a XXXX man with XXXX XXXX XXXX, became a victim of a sophisticated spoofing attack. Acting on fraudulent instructions received via email, I initiated a {$25000.00} wire transfer from my business account at XXXX XXXX XXXXXXXX to an account at Capital One, believing it was a legitimate transaction. 

On the same day, I returned to XXXX XXXX  XXXX and reported the fraud. XXXX XXXX XXXX promptly sent a service message to Capital One, requesting the return of the funds. Capital One responded the next day, XX/XX/XXXX, asking for additional details, which XXXX XXXX XXXXXXXX promptly provided. Capital One indicated that the process could take up to 90 days. 

While waiting for Capital Ones response, on XX/XX/XXXX, I reported the incident to the Internet Crime Complaint Center ( ICCC ). Despite this, after the 90-day periodXXXX XXXX XXXX XXXXXXXX followed up with Capital One on XX/XX/XXXX, but received no response. Another follow-up was made on XX/XX/XXXX, still without any communication from Capital One. 

Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). In their response, Capital One stated, " We encourage you to continue working with your financial institution through their wire recall process. '' However, despite this statement, Capital One did not respond to the wire recall request from XXXX XXXX XXXXXXXX, leaving the matter unresolved. 

Attached you will find the letter from Capital One, XXXX XXXX XXXXXXXX, and the XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} ; XXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$4400.00} ; XXXX XXXX XXXX XXXX XXXX : {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well got hard inquiries my credit report from JPMCB Card Services on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX and have not been able to get them to remove these hard inquiries from XXXX and XXXX This is FRAUD!!! Please contact these people and have this removed my credit report. 
Thank you
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year that don't belong to me. 

XXXX XXXX {$230.00} opened XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management, a debt collection agency employed by XXXX Bank reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX XXXX GA where I reside. XXXX XXXX the attorney 's office used to file the lien sent over a settlement agreement where the full debt would be settled for two payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court lien would be withdrawn. Both Midland Credit and XXXX XXXX have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.
Product: Checking or savings account

We closed my chase account about XXXX weeks ago by now. I am currently waiting still to receive my {$1000.00}. They have told me that my checks through the state of California ( which they should be able to validate on their own end since it's the STATE ) and from XXXX XXXXXXXX XXXX XXXX. I have got corporate involved and even the payroll manager on a three way call and Chase keeps saying that the number isn't " verified ''. However, on XX/XX/year>, I was on the phone with chase and they were going to verify the number we provided after speaking two hours to them. Once they tried to call ( after XXXX ), they were already closed so Chase told me to call back today ( XX/XX/year> ). Now when I called today, they told me that the same number that we agreed upon yesterday is no longer verifiable... So now I am just trying to figure this out and I even told them I know you guys record your calls, so take a listen at the conversation I had the day prior! I am just looking to see how I can resolve this and I was recommended to you guys! I have also included the payment confirmations/verifications from the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our original XXXX mortgage was sold by XXXX to Shellpoint Mortgage in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL SHELLPOINT SOLD TO XXXX XXXX XXXX in XXXX.
Product: Vehicle loan or lease

I applied for a vehicle loan in XX/XX/XXXX at that time my XXXX year old was having XXXX   XXXX XXXX in which i was unable to work due his stay in the XXXX XXXX hospital in XXXX. The vehicle was repossessed and it really put my family in a terrible situation concerning me getting back and to work and my son back and forth to his Doctors appointments..As of XX/XX/XXXX they have been garnishing my wages every week which has also put my family in a financial hardship.i tried to explain to them the situation about my son and also that i have been diagnosed with XXXX  XXXX XXXX XXXX ... .and that would like to get this issue resolved.i was told that there's nothing they can do to help me with this matter because i was supposed to go to court but was unaware of the court date until aftet the court date had passed ... unfair..the $ amount that they have taken up to date is {$3300.00} and as my credit report states a remaining balance of {$3100.00} ... they take from my check every week they're also taking from my children ... i have XXXX children, rent, utilities, food, clothing and basic necessities that i struggle to pay because of the amount the garnish every week..i turn down overtime because the more i make the more they take ... and it's frustrating and i don't need the added stress ... they sold the vehicle and yet i have to pay for a product i have had in years ... not fair ... who does things of this nature ... The company is Credit Acceptance Corporation..
Product: Debt collection

Penn Credit Corporation has repeatedly added a debt I paid over two years ago back on to my credit report. I keep disputing it and having it removed but they are relentless. On top of that, the original debt was less than XXXX $ which to my understanding isnt even allowed to be put on a credit report but they keep lying and saying the original debt was over XXXX XXXX And they put a higher number every time they re-report it. Even knowing they werent supposed to do that I still paid over double the original debt to them 2 years ago just to make them stop but they still continue to keep adding it back to my report every few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021.
Product: Debt collection

I have disputed this online with them. Called them to dispute over the phone. They would not or could not give me specific information or how it relates to me. I requested the paper invoices and contracts as this Creditor looks be be a XXXX XXXX XXXX XXXX. I was fully in my own HOUSE and definitely do not qualify for low income or subsidized housing. On XX/XX/XXXX or XX/XX/XXXX XXXX They advised they would send out the information to verify or fill a identify theft report. I received the Identity theft form Requesting my signature and address and SSN but no other paperwork with specific details regarding the debt itself which seem fishy to me.
Product: Credit reporting or other personal consumer reports

Experian credit reporting company lowered my credit score XXXX points because I used my credit. Note that I was still above XXXX but I do not think their algorithm is accurate for lowering my score. I have a few credit cards and I never have paid any interest as the CC companies automatically take the full balance due every month. I think that Experian should know this as I have done this my whole life! My CC limit was $ XXXX and I charged $ XXXX for my wifes funeral home expenses ( I just used the card to get 1.5 % cash back ). It could have been a trip or anything, but if you use more than like 30 % of your CC limit they will lower your score! I just don't think it is right that for 1 month of being higher credit usage your score should be lowered immediately when you pay in full every month. I am not planning on taking out loans, but I know your credit score is used by insurance companies for pricing policies. There should be more accountability put on the Credit Reporting agencies in cases like this to use a persons CC usage history for raising or lowering your score.
Product: Debt collection

Back in    2001  I had asked for repairs to be done in the apartment I was renting, after numerous attempts of asking and nothing being done I held back part of the rent to do the repairs myself. I received a eviction notice which I responded to and went to court I won the verdict because they had deposited the rest if the rent then I received court papers stating they were garnishing wages in the amount of  XXXX  for damages which there were no damages now after 15 year s Coachella valley  collections and attorney  XXXX   XXXX  filed again and now garnishing my wages in the amount of  XXXX  which they have no right to
Product: Credit card or prepaid card

I attempted twice to set their monthly reward program parameter with my B of A issued corporate card. As I traveled on business I attempted four times in total to set my online account access each time resetting my password with the help of their security featured text codes and every single time the log in card is being rejected. 
The phone number listed on their online support line ( XXXX ) is invalid as the automated messaging system is repeatedly requiring to input the account number ( I did ) with every single prompt selection and it is unable to forward the call to the online operator from that dept. Instead it automatically re-routes the call to their regular customer service that is ... ... ... .unable to reset the online system access and it is unable to offer an assistance with rewards program selection category. Why the CSR is unable to help customer with selection of the rewards category is beyond me as, for example with XXXX, the category can be selected with only one quick of the mouse without even logging into the system.

I believe the B of A is purposefully setting up the system this way so it doesn't need to pay the rewards accrued in the use of the card. I frankly do not believe that the bank is that incompetent to not be able to set up such simple function as rewards category selection by a simple help from the CSR if their system is unable to process it online.