23daVinci/CFPB_Complaints huggingface dataset:
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 items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance XXXX : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )
Product: Checking or savings account

I would like to start by informing you that when I started this process there were no selections for my specific situation, so I chose the closest ones that matched and will elaborate here. On XX/XX/22, I filed a claim with Capital One after being scammed by a paralegal to whom I paid {$1600.00} for legal aid in my child custody case. Immediately after I paid the fee, the paralegal dropped all communication with me. More than two months after filing my claim with Capital One, and after numerous conversations with it's Representatives during that time, I have still been unable to reach a person who can help me with my case. I have been personally victimized, and I am very sad to say that this is a straight forward scam situation. There should be some protocol for situations such as mine. With all the hours I have patiently spent on the phone with Capital One reps, not one person can competently take the necessary steps to resolve my case, or at bare minimum, comprehend the severity of the situation and the impact it is having on a mother of XXXX going through a XXXX. I must point out that none of the representative I have spoken with speak English fluently and I know that they are unable to understand me. Because of their inability to understand my words, I have been passed around to the same two departments, Customer Service and Disputes over the past two months. On XX/XX/22, I submitted supporting documentation to Capital One. On XX/XX/22 I called to follow up and I was informed that my info wasn't received, so I resent it that same day. During the conversation which took place the same day, I was told that no changes would be made to my account and my items would be reviewed. On XX/XX/22 Capital One withdrew {$1600.00} from my account, without notice or my knowledge, leaving me with a NEGATIVE balance of - {$1600.00} and in danger of my account being closed, likely also without notice. I would like to speak to someone in a supervisory position who can help to correct this negative balance to maintain my account, and to discuss how Capital One can assure me that everything is being done to handle my sensitive case so that this scam situation isn't repeated.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING XXXX HARD INQUIRIES ON MY CREDIT FOR EQUIFAX. SPOKE WITH REP AND SHE TOLD ME THATS THE INFORMATION THATS BEING REPORTED WAS TAKEN FROM EQUIFAX. SPOKE WITH EQUIFAX THEY SIAD THAT I ONLY AT XXXX HARD INQUIRES AT THAT TIME, THAT THEY DIDN'T KNOW WHY XXXX WAS REPORTING INACCURATE INFORMATION
Product: Checking or savings account

On XX/XX/23 I was subjected to fraud. And for 3 months Wells Fargo kept constricting access to my online account. But on XX/XX/23 XXXX identified me and said that Wells is not going to shut me down. She identified me via phone and told me that I did not have to go to a branch in XXXX, CA, XXXX miles away. Wells Fargo has been going back and forth for 3 months, and just like 4 days ago XXXX said that Wells Fargo is not going to shut me down. But then today I logged into my online accounts and all of a sudden, my checking accounts a XXXX and indicates that my accounts are closed. Wells Fargo just sent me an email indicating that " YOUR NEW STATEMENT IS NOW AVAILABLE for my checking account ending in XXXX. And then Wells Fargo indicates on the email that : '' If you have questions about your account, please refer to the contact information on your statement. For questions about viewing your statements online, Wells Fargo Customer Service is available XXXX hours a day, 7 days a week. Call us at XXXX '' I then just called the number and was transferred to XXXX, and I asked her why I was being shut down when XXXX said was not? XXXX would not explain to me and I asked her please tell me what I've done wrong? She then said, we don't have a reason to closed customers ' accounts, because banks have the prerogative to closed accounts. But then when I started asking her that how can banks close accounts if it's illegal, due to no reason? She then said, since, we don't have to have a reason and you're wasting my time and then she hung up on me! My other checking account is a checking trust account for my son 's direct deposit, but it didn't matter to Wells Fargo. And to change banks for a trust checking account, it takes the XXXX 2 months to make the change to a new bank. I also asked XXXX, then what's going to happen to my balances, she said, " we'll just send you a cashier 's check. '' And she hangs up on me. Wells Fargo is not only illegal, but they are also rude and hurt so many customers and even employees. therefore, Wells Fargo is being sued by many customers, ex-employees and class action lawsuits. Wells Fargo doesn't care not even for themselves! Not even if their are being sued and have been penalized for billions of dollars. They discriminate XXXX senior citizens. They have such record, but it does not matter!
Product: Payday loan, title loan, personal loan, or advance loan

Every payment Ive made is not going toward the loan. Looks like their APR is 800 percent or something like that. Ive made around XXXX in payments and not seeing anything out of the principle. Report this to XXXX  and the company wont work on anything. Im just exhausted. I found out they are using XXXX XXXX. The company does not want to do anything. Im looking toward filing for bankruptcy because of that. I am in fear that I am going to keep making payments for the rest of my life on a XXXX loan I borrowed. Ive already paid like XXXX or more. Im so tired of this loan shark and just need help as soon as possible. Or Ill just file for bankruptcy. Ive been paying on time for weeks. Cruel company.
Product: Credit card

I have contacted Capital One XXXX time for information pertaining to a charged off credit card reported on all XXXX of my credit reports. They stated that the account was charged off when Capital One purchased XXXX. I said i have never received a XXXX cancellation of debt form and requested one XXXX separate times. After the third phone call received a XXXX form from another account i had with Capital One ending in # XXXX, not the one i requested. I extensive records of every credit card and credit card bill from over 10 years back and i can find no record of ever having this account or having this card with Capital One. The only information i can find about this account is on my credit report stating a balance of {$2700.00} and the last XXXX digits of the account # XXXX.
Product: Credit card or prepaid card

This is continuation of existing complaints : XXXX XXXX In short Truist marketed an offer for me of balance transaction fee of 3 % but hided the fact it's not XXXX interest, failed its obligation to protect consumer but utilizing miskeading and abusive practice to old people ; they're delaying response to charge maximum interest As of today, they had charged {$300.00} and interest of XXXX ; I have paid {$5600.00} back to the bank and plan to pay remaining balance {$4600.00} I borrowed from the bank, but I can not pay them $ XXXX for nothing ; I would request Truist refund the interest and transaction fee after pay off my debt borrowed from them, as basically this is not the deal I wanted and Truist marketed to me CFPB should take its responsibility to protect consumer, otherwise I reserve right to resort to legal process.
Product: Debt collection

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX which does not validated a copy of bill does not substantiate debt.
Product: Credit card

My balance is over XXXX. It should probably be XXXX. In fact I might have a credit for my balance.
Product: Credit reporting or other personal consumer reports

I did not authorize these credit inquiries and have no relationship with the companies listed. These inquiries were made without my consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request that unauthorized inquiries be removed from my credit report to prevent further harm to my creditworthiness. 
XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXXn XX/XX/XXXX and XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4 XXXX. XXXX XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5XXXX XXXX  XXXX XXXX  on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX  XXXX XXXX on XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1994 ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX XXXX 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX XXXX and TransUnion by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to protect customers from and prevent address fraud on their platform, leaving my account vulnerable and unprotected, I had to turn over my personal and private information. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) when regulation E. These actions have caused significant inconvenience and financial loss, and I seek Redress for these violations.
Product: Debt collection

I am unaware of this debt. I am not sure who it is or what it is for. I received notification of being in collections on my XXXX credit report. I have never received any letters, or phone calls to verify this debt. I was completely unaware to dispute and I have never heard of this company.
Product: Credit reporting

Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.
Product: Student loan

Borrowed $ XXXX in approx XXXX for son. Repayment was for {$50.00} /monthly. But, honestly, we initially were inconsistent in payments, eventually we went into default, paid up more in XXXX to get out, and been paying monthly since, but when I lost my job in XXXX when the school closed, we had to let payments slide again. Now, I make half the amount I did. I work for an eligible, community based XXXX XXXX XXXX in an economically depressed area, XXXX Virginia. But I have been making consistent monthly payments of {$50.00} for years. I would like to be considered for a loan forgiveness program due to the huge loss of income after the loss of my job. 
I believe I've been improperly persuaded to apply for a forbearance, I've been harassed on the phone sometimes 5-6 calls daily, for a few years, they are now threatening to place me in default again and damage my credit rating. The $ XXXX loan has ballooned to almost $ XXXX! Apparently this due to unknown additions for penalties, forbearance, a default, and each time sold to another lending service : XXXX XXXX to XXXX, to?? to XXXX and now to Ascendium. The loan has been growing by leaps and bounds! It is ridiculous! These are totally unfair practices adding up unnecessary additions and yet I receive no credit for paying them for years. I am seeking legal counsel, but am hopeful you can help guide me, assist with locating legal representative, or suggest options. Thank you very much
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I did hold a credit card account with XXXX issued by Synchrony Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing zero balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since XX/XX/XXXX till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but Synchrony Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
Product: Credit card or prepaid card

Preventing a service I've authorized from accessing my financial data
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.
Product: Debt collection

- Received a collection letter from Torres Credit Services , Inc on XX/XX/2021 states that I owe XXXX XXXX XXXX XXXX XXXX the total amount of {$38.00}. 
- Called Torres Credit Services right away and asking for more details. They have a lot of my personal information including my full name, email address, phone number, last 4 digits of social, three addresses I lived in the past two years, the account number I had with XXXX, etc. to make the whole scam sound somewhat " convincing ''. The story on their side is I owed the unpaid utility bill when I moved from one unit to another in XXXX XXXX ( which should be XXXX XXXX  XXXX, not XXXX so that is suspicious ). I asked if that's true, how come I didn't owe money to XXXX XXXX XXXX but XXXX. They explained that XXXX XXXX XXXX outsources their utilities from XXXX, and that's why I owe money to XXXX ( that is suspicious too since I'm having business with XXXX XXXX XXXX, why do I care who they outsource their business to, and even if I do owe them money. It should be between me and XXXX XXXX XXXX, so I asked the account # on XXXX that they " claim '' I owe money to. 
- Called XXXX and gave them the account # I got from Torres Credit Services, and XXXX told me that I don't owe them any money but there is nothing they can do on their side to clear things out. 
- Called Torres Credit Services again to dispute the charge. 

Things that worry me a lot are, - where did they get all my personal information? 
- what are they going to do with my personal information in the future? Or what have they done with my personal information that I haven't noticed?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Debt collection

I received notification from the credit bureaus about a collection that was reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a Comenity Bank XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with Comenity Bank. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus XXXX XXXX  XXXX XXXX PA XXXX, the XXXX, FTC & Massachusetts AG office XXXX Thank you!
Product: Credit card or prepaid card

On XX/XX/2020, Barclay Mastercard ( Delaware ) electronically withdrew from my checking account {$1100.00}, which is the amount I owed ( total ) at that time. On XX/XX/2020, they withdrew the amount again. This put me in a negative balance. This is reflected in my checking balances. 

Since that time, I have called many times, sent a total of 3 certified letters, contacted the Office of the President, and nothing has happened. They do not return any calls, although they say they have called. 

They insist I still owe them {$1100.00} + interest. The fact is they owe me {$1100.00} + interest since it was taken from me twice and account is now closed. 

I am more than willing to go to court over this as I have the documentation and bank statements to back up my claim. My bank is also willing to provide whatever it takes to resolve this.