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

XXXX, Experian, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with XXXX derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them
Product: Money transfer, virtual currency, or money service

My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I cant reemive my funds I mail and call them but they dont want to help Please help me out I need my money My email is XXXX My name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a charge off from XXXX XXXX on my credit report that has been reported numerous times to XXXX and TransUnion that goes against 15 USC 1681 ( e ) B. IRS states once the account has moved over into charge off status, the lender has accepted the fact that theyre not going to be able collect the debt causing the lender to file on their taxes as discharge debt causing the debt on the consumers end to be cancelled or forgiven. The lender failed to provide me a 1099C form making it become income has to be filed. Due to it becoming income and it is to be reported especially something as derogatory, it has to come off my report because that is illegal.
Product: Credit card or prepaid card

After filing complaint # XXXX, CitiCard provided ~ {$700.00} in relief when they owe me much more. I am still receiving letters from CitiCard stating that they have reversed the previous credits and do not have a way for me to escalate my claims. They just keep starting new investigations. On my call today, I discovered that there are more than XXXX {$99.00} charges ( ~ {$29000.00} total ) from XXXX on my account. These charges are all fraudulent but CitiCard wants me to be responsible for them. 

The other merchant involved in this claim are : XXXX XXXX, XXXX and XXXX XXXX. 

I have also asked CitiCard repeatedly for an account of all of the fraudulent charges so that I know what I actually owe them. This information has yet to be provided to me. Im sure this as difficult exercise because CitiCard let this fraud go in for so long. My refund must include all of the interest I have paid to the company as well. 

Today I requested to discuss these atrocities with a supervisor by have yet I be contacted. 

Even though I have locked my account, fraudulent transactions are still being added. 

Ultimately, CitiCard is investigating and interrogating me and not the actual perpetrators I this crime. This and all the facts stated above are completely irresponsible.
Product: Debt collection

Comenity bank frequently calling me and harassing me. They are also calling my family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Payday loan, title loan, or personal loan

After paying off my {$15000.00} loan in XXXX, I have continued to receive regular emails and phone calls from Lending Club. 


There is a {$27.00} late fee that the phone callers are ostensibly trying to collect on, but more at issue are the deceptive emails " reminding '' me to make my regular monthly payment of {$520.00}, and that my balance is " past due ''. Here is an excerpt from their most recent email, but they've all been of a similar form : -- - Dear XXXX, Your account is now past due in the amount of {$520.00}, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at XXXX XXXX XXXX XXXX today! 
-- - I've received emails in this manner on - XX/XX/XXXX & XXXX - XX/XX/XXXX, & XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX, XXXX, XXXX To further compound the problem, over the past several months whenever I've tried logging into my online account to see what the fuss is about, I'm met with the following message : " Due to maintenance, your loan information can not be displayed at this time.Please try again later. '' I spoke with a Lending Club agent earlier this afternoon about the issue and while she advised I pay the late fee and ostensibly be done with the problem, I believe their practice of sending emails with misleading statements regarding incorrect account balances is at the very least a dubious business practice and indicative of potential underlying issues with the software that manages their loans, and depending on whether other borrowers have acted on those incorrect statements and remitted payments beyond what was due on their accounts the aforementioned actions of Lending Club may amount to fraud.
Product: Debt collection

Starting todayXX/XX/2024 I received XXXX phone calls from the phone number ( XXXX ) XXXX. 
An identical voicemail by what was clearly a robocall voice ( not a real person ) claimed they were contacting me " again '' from the office of " XXXX XXXX XXXX XXXX '' for an offer to help expiring tomorrow on an account that may negatively impact credit as part of a debt collection. 
In the voicemail I was told to call ( XXXX ) XXXX to deal with the issue. The first call occurred at XXXX ET and the second at XXXX ET. 
Note that despite the language mentioning I was being contacted " again '' this is, to my knowledge, the first contact. 
They did not provide any identifying information about me or the supposed debt I have no outstanding debts and searching online has shown several complaints of the predatory and scam nature of the supposed " XXXX XXXX XXXX XXXX '' so I had no interest in contacting them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

VA claims a debt was owed to them since XX/XX/2019, when they made no attempts to contact me whatsoever. I only found out after I received a notification that my credit score had dropped. Given that I was not notified of the debt, and the VA is unable to prove they attempted to contact me, the credit bureaus should remove the negative note from my account but are refusing to investigate further into the matter. Furthermore, I paid the VA debt after discovering it, with the account closed in XX/XX/2019. Experian is still reporting the debt as in collections even though the debt is paid and I have submitted proof of payment to them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I had no late payments with these accounts. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX wednesday XXXX XXXX  i got a text message from cell # XXXX and it read *********************************** FreeMsg : Verify Wells Fargo activity. 
Card XXXX {$2200.00} @ XXXX XXXX {$82.00} @ XXXX Reply Y if recognized, or call XXXX. 
STOP to stop msgs ****************************************** XXXX wednesday XXXXXXXX XXXX. i called wells fargo using my cellphone. XXXXXXXX XXXX XXXX XXXX of << wells fargo everyday banking XXXX answered my call. i informed her that i got a text message at XXXXXXXX XXXX on my cell phone from an unrecognized cell # XXXX about transactions needing authorization. she confirmed that cell # XXXX is indeed wells fargo. she told me that the transaction description mentioned << card inserted >> that meant a debit card was used. i told her that i have my debit card with me here at home. she asked me if i did transaction at XXXX for {$1.00}, i replied 'no '. she closed my debit card right away. she told me that a new debit card will be sent to me via mail and will reach me in a week or so. she told me not to worry because those transactions in the text message did not push through since i did not reply to the text message. she advised that i update merchants of new debit card and its expiration date. she advised me to change online wells fargo password. she advised that i change my email passwords. 
****************************************** XXXX monday XXXX XXXX. i spoke to XXXX of wells fargo. i told her that i am disputing the transaction {$2200.00} by merchant XXXX XXXXXXXX posted on my checking account on XXXX she gave me a claim reference # XXXX wait 10 business days as a required time frame. XXXX indicated that my debit card was closed on XXXX due to me reporting of unauthorized transactions but she is not sure why the transaction {$2200.00} still got charged on my checking account. i asked her why did i still get charged the unauthorized transaction worth {$2200.00} eventhough i informed them within minutes of finding out via their text message that someone was trying to charge my debit card without my authorization? she does not know the answer.
Product: Debt collection

I have been contacted by this company Portfolio Recovery Associates at my accounting office for a debt for someone of the same name, but a different social security number. The person actually lives in another city. This started in XXXX. ON XXXX XXXX I was contacted XXXX times. Again on the XXXX of XXXX and now today the XXXX of XXXX. I have cooperated with them each time providing my personal information and asking them to remove my phone number. Again I did today, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this error on my XXXX XXXX XXXX account for over a year. I have paid all outstanding balance on this account but they refuse to remove this data off of my record. Two years ago, we had canceled the service and paid them in full. They still have on record that i owe {$100.00}, which is incorrect.
Product: Debt collection

I am filing a complaint regarding Barclays Bank Delaware repeated actions concerning my account. The company has been excessively reporting to credit bureaus and sending me written notices nearly every week. Additionally, they frequently call me regarding the debt and have sold it to a third party that now harasses me with constant calls and messages. 


Key details : Frequent reporting to credit bureaus negatively impacting my credit score.

Weekly written notices and persistent calls from the company.

Debt sold to a third party, resulting in further harassment. 


I have attempted to resolve this issue by requesting verification of the debt, asking them to stop excessive contact, or disputing the reports. However, the situation has not improved. I am seeking immediate resolution and for the harassment to stop. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Product: Payday loan

I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. 
I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, CT XXXX  ( XXXX  ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
Product: Debt collection

XXXXI get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any communication from the company before they put me in collection.
Product: Credit card

On XXXX XXXX I initiated a {$500.00} payment from my XXXX XXXX checking account to pay a Citibank credit card on behalf of my wife. I admittedly made an error by sending the funds to the wrong account by mistake. Once I realized the error I contacted both organizations. Neither of which have been able to assist in retrieving my {$500.00} payment. Upon contacting Citi 's customer service which we have done several times, they continue to say the account does not exist. We offered to send old statements with the account number and the XXXX XXXX confirmation showing that the funds were paid to Citi. They say they can not accept any faxes or emails. We are now at the point of feeling helpless because they continue to say the account is not on record. We are requesting the help of the CFPB to have Citi to research and credit our {$500.00} payment back to my XXXX XXXX checking account.
Product: Mortgage

Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I attempted to log into my XXXX  account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like JPMCB I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

Medical Debt Validation dispute letter was sent certified and receipt by credit agency on XX/XX/XXXX. My request was disputing that the debt did n't belong to me. I requested that the agency ( 1 ) provide breakdown of fees including any collection costs and medical charges. ( 2 ) Provide a copy of my signature with the provider of service to release my medical information to you and ( 3 ) Cease any credit bureau reporting until the debt has been validated by me. 

Received a letter from the collection agency dated XX/XX/XXXX that only provided the original creditor in addition to the provider information. It was then the agency provided me detail information for someone else ( XXXX XXXX ), who 's patient account is n't mine which is a direct violation of HIPAA and FDCPA. 

I called the agency at XXXX and spoke with XXXX on XX/XX/XXXX to get more information as to why the agency was reporting a debt that does n't belong to me. She advised me that the agency would have to reach out to the original creditor to get more information. I then demanded that the agency cease all collection attempts and to remove the debt from my credit report as she did verify that the debt does n't belong to me as it belongs to another person or I will purse CFPB complaints and file a HIPAA violation complaint. She advised me that she is only in the collection department and does n't have the authority to remove the account, after speaking with her supervisor and being placed on hold several times.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. XXXX ) that you, Transunion, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


I am filing this FTC Identity Theft Affidavit to three fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/2023 under account number XXXX, a credit card opened at XXXX on XX/XX/2023under account number XXXX, and a credit card opened at XXXX XXXX on XX/XX/2023 under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.