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

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a USAA member since XXXX back in the winter of XXXX my identity was stolen and someone accessed my usaa account and figured out how to transfer money from an account that was attached to my usaa account however the money wasnt in the account that whomever tried to transfer it from so it caused several overdrafts in both accounts and ended up causing usaa to no longer do business with me which was extremely dissappointing. However i didnt authorize any of the transfers so id like usaa to allow me to use there services again and also credit my account for any overdrafts that may have been caused
Product: Credit card

Somehow my XXXX online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my XXXX minimum payment and the agent I talked to said it would be removed and reflected on my XXXX minimum payment as well. I went in to pay my XXXX minimum payment on time ( XXXX when it 's due XXXX ) and the balance was still reflecting the late fee. I talked to a new agent who told me they only removed the late fee off the overall balance and account but can not adjust the minimum payment. If I do n't pay my total minimum payment, including the portion due to the late fee, I 'll accrue another late fee in XXXX. This will continue on until I finally do pay it. So I 'm being charged a late fee on a balance that 's only there due to a late fee they are " unable to adjust ''
Product: Credit reporting or other personal consumer reports

my lease turn in was dropped at the dealership ( XXXX XXXX ). I then leased another vehicle the same day I turned in my XXXX XXXX. 30 days later I receive a notice for charges for a XXXX XXXX rest and XXXX bald tires. I did not have XXXX bald tires or any damage inside my vehicle at all. Genesis finance reported me late for not making the payment of the false charges. GF sent me a check in the mail for refund of XXXX with no explanation other than it said Lease refund. please remove the late charge from my report. 
am submitting this email as a formal dispute regarding an inaccurate entry on my account with XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and applicable regulations. 

Account Details : XXXX XXXX XXXX Account Number : Type of Account : lease XXXX Disputed Item or Amount : [ 30 day late charge XX/XX/XXXX ] Basis for Dispute : There were false charges attached to my lease turn in. GF also reimbursed me with a check and provided no explanation. i was never given a lease tutn in report 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( furnisher investigation duty ), 15 U.S. Code 1666b ( timely posting and billing error resolution ), 12 CFR 1026.13 ( Regulation Z : billing error procedures ), You are required to conduct a reasonable investigation, provide documentation validating the item, and notify any credit reporting agencies if the item is found to be incorrect or unverifiable. 

My Requests : Investigate the disputed charge or entry promptly. 


Remove or correct the item as appropriate. 


Provide written verification or evidence supporting the legitimacy of the item. 


Notify all consumer reporting agencies to whom this item was furnished if changes are made.
Product: Debt collection

I disputed the account with XXXX XXXX XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is Capital One. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!
Product: Debt collection

WAKEFIELD AND ASSOCIATES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts with XXXXXXXX XXXX  that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 XXXX XXXX account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.
Product: Debt collection

ONE MAIN HAS BEEN SENDING ME LATE NOTICES IN THE AMOUNT OF {$10000.00}. THE LATES HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

On Sunday, XX/XX/XXXX at around XXXX, I used my blue cash preferred consumer credit card ( card issued by Amex ) at a merchant, XXXX XXXX online at the mechant 's website ( XXXX ) in an attempt to redeem an " Amex offer '' ( promotional offer issued by Amex ). The offer terms consisted of the following, add the offer to your account before purchase ( done ), spend {$100.00} with your blue cash preferred card online ( at merchant 's web site ) or in-store by XX/XX/XXXX and receive {$20.00} credit. I spent {$100.00} at the merchant 's web site on XX/XX/17 and no credit was issued following the transaction and after 4 follow-up phone calls with American Express Customer Service . I can provide the email confirmation as additional proof of purchase with the timestamp if necessary. Thank you for your assistance in this matter.
Product: Mortgage

I AM IN THE PROCESS OF A HOME PURCHASE AND APPLIED FOR A HOME LOAN WITH XXXX XXXX XXXX. I JUST RECEIVED A CALL FROM XXXX XXXX FROM SUPREME LENDING XXXX AND XXXX STATING THAT I NEEDED TO PROVIDE ALL MY INFORMATION AGAIN BECAUSE I WAS IN THE PROCESS OF FINANCING AND NEEDED TO VERIFY ALL DOCUMENTS AGAIN AND WOULD NOT CLOSE ON TIME IF I DID NOT PROVIDE. I INFORMED HIM I HAD ALREADY PROVIDED ALL TO MY LOAN OFFICER AND HE SAID YES BUT WE ARE STILL MISSING A LOT OF INFORMATION AND NEED TO PROVIDE MORE DOCUMENTS. AFTER I HANG UP I CALLED MY LOAN OFFICER FROM XXXX XXXX  NOT KNOWING THE OTHER PERSON WAS NOT FROM THE SAME COMPANY BUT RATHER HAD A SIMILAR NAME AND ALREADY GAVE HIM ALL MY INFORMATION OVER THE PHONE AGAIN IN ORDER TO AVOID DELAYS AS HE SAID. I HAVE BEEN A VICTIM OF FRAUD AND THIS PERSON XXXX XXXX FROM SUPREME LENDING NOW HAS ALL MY PERSONAL TO INCLUDE SOCIAL SECURITY, DOB AND WORK HISTORY. I COULD NOT FIND ANYTHING ON THE NATIONAL REGISTRY FOR XXXX XXXX SO HE MAY NOT EVEN BE REGISTER AS A LOAN OFFICER BUT HE SAID HE IS AND WORKS FOR SUPREME LENDING IN XXXX. SINCERELY XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I file a police report and its attached to this the tow accounts that showing XXXX XXXX XXXX both of them not mines Im requesting to have this block from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle in XX/XX/XXXX. I had an existing loan of 4 years with XXXX on a vehicle I traded in and paid off and opened a new loan. Ally sent XXXX information upon account opening. I contacted them to make the first payment and set up auto-pay and did so. The initial payment was taken for XX/XX/XXXX. On XX/XX/XXXX I got a call saying the XXXX payment was never made. I told them I set up auto pay and they admitted that a bunch of auto payments had accidentally been canceled. I made the XXXX and XXXX payments immediately and spoke to someone about the error. They assured me the payment would not be reported late. For the next 6 months, XXXX did not report to the credit bureaus at all! Then in XX/XX/XXXX, they updated the payment history showing the XX/XX/XXXX payment was made 30 days late despite having clear evidence the XXXX payment was made on time. This was disputed with the credit bureaus. Ally then confirmed the XX/XX/XXXX payment was made late and my dispute was denied despite their system clearly showing it was not made late at all. This is a clear violation of FCRA and XXXX should be held accountable. As stated by them there were many consumers effected by this and clearly XXXX is refusing to do right by them and has instead opted to attack consumer 's credit profiles due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX / inquiry 2019 I do not know this account. On the above date listed I had just had XXXX XXXX and was XXXX.
Product: Money transfer, virtual currency, or money service

Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/2019. Google has locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Account was paid in full from balance transfer but the Company closed the account. It should have been closed and Not charged off. A Walmart card
Product: Credit card

The company replied and said the problem was fixed on XX/XX/2024. 

THE PROBLEM IS NOT FIXED. 

Today XX/XX/2024 I tried to access my account to make a payment and of course I can not access my account nor can I change my password! 

I have talked with numerous people at Synchrony Bank and NO ONE there can fix the problem. Who ever replied to me is lying or someone lied to them about the problem being fixed. 

If they do not want my business, then maybe they can just forget about anymore payments from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, RI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXXXXXX Balance : {$38000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$56.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

The sum is {$1200.00}. The account was started on XX/XX/year>. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

send XXXX, Equifax and XXXX  a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Experian. XXXX, XXXX, Experian has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

I had a checking and savings account open with Wells Fargo somewhere between XXXX and XXXX and somehow I ended up owing almost {$300.00} to Wells Fargo for overdraft fees and now no bank will open me an account and the last 10 years. Every week when I was getting paid my paycheck was being deposited into my Wells Fargo account and I don't know how I came to all these fees.
Product: Debt collection

I was under the impression that this was paid through the total loss claim on the vehicle, was never made aware it was owed.
Product: Debt collection

Reporting false information on my credit report that was done by fraud. account number ( XXXX amount {$290.00} ) ( XXXX amount {$540.00} ) ( XXXX amount {$3800.00} ) XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$210.00} Please remove above fraudulent accounts or any unlisted fraudulent accounts from my credit report asap..