23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a victim of credit card fraud and a flawed review of the issue. 

Foreign high dollar transactions were made on my credit card : XXXX XXXX {$4900.00} ; XXXX XXXX {$3000.00} I was not aware of these fraud transactions. According to the company these transactions were approved by text messages. 
On XXXX XXXX, I received a call from the company with concerns regarding these high dollar transactions. However, I could not speak with the company representative at that time and called the next day to follow-up. The company sent me an email later that day that they were researching my fraud claim. I would point out that I did not make the claim as I was not aware of the fraud attempts, the concerns originated with the company. 
On XX/XX/XXXX I called and confirmed that the transactions of concern were, in fact, fraud. That should have stopped the transactions from moving forward. That did not happen. 
I continued to follow-up with the company fraud department and then I escalated this issue to the company executive offices as the fraud department resolved that the charges were my responsibility based on the text messages. I did receive follow-up calls from the company executive offices, but again was told this could not move forward. I would point out that follow-up with the company executive offices took two months, multiple phone calls and emails from me and two Team Managers before I received a follow-up response. 
Again, I would emphasize that despite the company claiming to receive text authorizations they remained concerned that these transactions were fraudulent and called me for confirmation. And, again, I confirmed that this was fraud.
Product: Debt collection

My husband and I lease a XXXX bedroom XXXX bath apartment XX/XX/2005 for 3 months with The XXXX XXXX in XXXX XXXX, Texas. We chose that particular apartment complex because they did short term leases of 3, 6 or 9 months. We stayed there until XX/XX/2005 as our contract said and paid for deposit and 3 months of rent. We found a home to buy XX/XX/XXXX so we were out of the apartment around XX/XX/XXXX when we took possession of our new home. All we got was a call from The XXXX XXXX asking for our 4th months rent which we did not pay because we had met out lease agreement and owed them nothing! Now I find out that they sent this to a collection agency who has never contacted me or my husband. Plus we never received back our deposit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to all three credit bureau 's to get a Bankruptcy off my credit report that the credit bureaus keep stating that it was verified. I have sent them multiple letters since XXXX asking them to validate the information that is being reported on my credit report. Actually, I have sent them a letter or two every month. XXXX  and Equifax haven't responded to my letters to verify the bankruptcy. 

I also have sent the three credit bureau a letter from the bankruptcy court stating that the bankruptcy wasn't verified by the bankruptcy court. I wrote them back supplying them with the letter the bankruptcy court supplied to me that states that they do not report to any third parties or credit bureau 's. XXXX stated that the bankruptcy was verified. As of XXXX of XXXXit will make a year that I have requested the three credit bureau 's to remove the bankruptcy off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this complaint to express my concern and frustration regarding TransUnion 's inaccurate reporting on my credit report. Specifically, TransUnion is reporting a fraudulent XXXX XXXX account that is also a duplicate account, which is causing significant harm to my life. I have never authorized or opened a XXXX XXXX account, and this fraudulent account is having a negative impact on my credit score and ability to obtain credit. Additionally, the fact that TransUnion is reporting a duplicate account is further compounding the problem and causing further harm to my credit and financial well-being. 
I have repeatedly disputed these inaccuracies with TransUnion, but they have failed to correct their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me undue stress and hardship. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion corrects its reporting on my credit report. I also request that TransUnion be held accountable for their failure to correct these inaccuracies in a timely and appropriate manner. 
Furthermore, I request that TransUnion provide me with a corrected credit report that accurately reflects my credit history, as well as any documentation or evidence they used to verify the fraudulent XXXX XXXX account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Midwest recovery systems have been attempting to collect a debt that have negatively impacted my credit score close to 6 months. I am completely unaware of what the debt is, I have tried to resolve this by placing disputes with every credit bureau and somehow the collections remains on my report. I have reached out to Midwest recoveries myself and I am constantly transferred from person to person and never get an answer about the debt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY Credit Report LOSS XXXX I HAVE BEEN A XXXX XXXX XXXX Customer For 15YEARS THAY MADE A MISTAKE AND I DID NOT PAY THEM {$40.00} I PUT THE RECEIPT ON MY Consumer report thay took it off thay gave me ONLY XXXX BACK ON MY CREDIT I NEED MY XXXX BACK I CAN NOT RENT A HOUSE MY CREDIT SCORE IS LOW I HAVE PAID FOR 2CARS 15 YEARS CREDIT CARD XXXX 5YEARS I NEED MY SCORE TO GO BACK UP I WILL BE PUTING MY RECEIPT TO THE ATTORNEY OFFICE THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Student loan

Navient reps told me there was no way to lower my payment multiple times on the phone. I was told another time when I inquired if they could be lowered because I now had a XXXX dependent nephew living with me full time and relying on me 100 percent for support that adjusting the number in my household would make my payment go UP. I was told I could take forbearance which I have had to several times due to my new dependent and the strain it caused on my finances. I was not informed until recently many of the payments I had made were not going towards time on IBR plan.
Product: Credit card or prepaid card

I am on social security XXXX and I understand it can not be garnished by Paypal credit because it's federally protected.I owe paypal {$3600.00} I would like them to cancel this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I invoke my rights as a consumer. 

A bureau can not furnish something that they did not receive written consent from the consumer to furnish. 

I never gave XXXX, XXXX or XXXX written consent to furnish these accounts on my credit report.
Product: Debt collection

I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX, XXXX  and Transunion. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Product: Vehicle loan or lease

On XX/XX/XXXX a car loan was taken out in my name without my knowledge. I was doing a regular credit check when I saw I had a delinquent account. On XX/XX/XXXX I submitted a dispute to get the delinquent car loan off my credit through XXXX and XXXX and on XX/XX/XXXX the investigation was completed saying they still found myself liable of the loan. I have no documentation showing that I signed off on the loan. When asking for documentation on the account I was denied. I consider this as fraud and am seeking relief to get this off my credit.
Product: Debt collection

I have called many times to try and figure out why I am being charged for something I had already paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX & XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX   XXXX XXXX/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name XXXX XXXX Limit Usage Type Status Opened On XXXX   XXXX - {$100.00} - Revolving Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> them most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit card or prepaid card

Bank of American sent me a credit card in the mail I never applied for. I received a physical card ready for activation and terms and conditions for the product. I never received any confirmation or communication about this product before getting the card.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Experian Credit Bureau requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home through Wells Fargo in XXXX. Around XXXX I missed a payment and fell behind on my mortgage. I had lost my job and was on unemployment and as a result fell behind on several of my bills. I reached out to XXXX to either restructure or modify my loan so I could keep my home. I was immediately denied this request and instead instructed to let my mortgage fall behind XXXX payments or more and let it go into foreclosure and then they could help me. I was trying to keep my credit in decent standing and expressed that and again was told to let my loan default XXXX or more months XXXX file for bankruptcy and then they could help me. I was totally dumbfounded by this response. As a result, in desperation to save my home I filed for XXXX XXXXXXXX on a measly {$5000.00} which now totally wrecked my credit that I am still trying to rebuild. My attorney filed the paperwork for both my bankruptcy and the reaffirmation of my loan which they finally restructured and shortly afterwards sold to another mortgage company ( XXXX XXXX XXXX ). Because of this process now my loan payments are not reported to the credit bureau which would help my XXXX XXXX greatly, not sure why they won't report it. This was by far the most stressful loan process I have ever went through. I had to further ruin my credit by filing bankruptcy which was held against me whenever I tried to reestablish my credit, hiring managers for possible employment held it against me ( so I was told ) and not to mention how long it stays on a persons record. I am asking to be included in any class action suit against Wells Fargo as I truly believe that as a consumer they truly treated me unfairly.
Product: Credit card or prepaid card

I suspected fraudulent charges on my Children 's Place credit card, which is through Comenity Bank. I tried to log into my account on XX/XX/XXXX but it said the system was down for scheduled maintenance. I tried again on the XXXX and got the same message, so I contacted Children 's Place customer service and was told they couldn't help as it was an issue with the credit card, but they gave me a customer service number and a link that I supposedly could use the pay my bill. The link didn't work and when I called the number, I got a recorded message saying that their system is down for maintenance and that their customer service is unavailable and to call back later. I tried logging in and calling again today, XX/XX/XXXX, and nothing has changed. 

I am concerned that the charges are fraudulent and that my scheduled payment will go through and I will have no way of getting my money back. Or, that the payment won't go through since the system is down and that I will be charged a late fee and my credit score will be affected. I also am concerned that someone may be using my credit card and will continue using it and obviously, I can't even call to cancel the card since the system is down.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have theight to privacy. 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit and these companies are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life. 
I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud and found an extreme amount of hard inquiries that were not authorized by me and there was nothing they could do for me.