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

I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also aqua fax home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet
Product: Credit reporting or other personal consumer reports

{ Account Number : XXXX } { Original Creditor : AMERICAN EXPRESS { Amount as Listed on Credit Report : {$550.00} } To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$150.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.
Product: Debt collection

I had an unpaid bill of {$91.00} from XXXX XXXX, my internet provider. I never received an email notification about it. I was also in the middle of a move and don't recall receiving paper mail about it. I found out about the debt being in collections a couple of years later, only after my mortgage lender ran a credit report, as I'm preparing to buy a new house. I was advised by my lender to reconcile the unpaid debt and also ask the debt collection agency to " delete '' the debt from my record. I called CCC to pay off the amount, and I also asked a representative to " delete '' the debt, but she said it was company policy to only " update '' it. I said it should be illegal for a {$91.00} debt to impact a credit score and the interest rates on a 30-year mortgage. I told her that the CCC was messing up people 's futures. I asked to speak to a manager or supervisor ; she said it was company policy, no matter who I spoke to. She urged me to go to the CCC website, if I wanted to issue a formal complaint. It is misleading, deceptive and manipulative to let such a small debt ( from an internet bill ) impact someone's credit score so drastically. It is completely unethical and NOT in the interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the recent data breach, I checked and found that my data had " probably '' been compromised. Financial experts on TV recommend putting a freeze on my credit so that no one can take out credit in my name. To do this I understand I am supposed to contact all three agencies. Today I tried to access the Equifax site to place a freeze and discovered that there is a {$10.00} charge for Michigan residents to start, lift temporarily, or permanently remove a freeze. No one mentioned a fee. And there is no explanation as to why a fee is being charged. I assume all the agencies charge fees. It seems to me that I am being asked to pay {$30.00} per action per freeze by the very people whose incompetence make a freeze necessary. Mark me down as an unhappy consumer. By the way, CFPB is the best thing since sliced bread. I hope the current regime lets you continue to do your important job. Blessings!
Product: Debt collection

Midland Credit Management amount of {$460.00}. Requesting validation of of how are they reporting a collection with a past due balance on my credit report. Not providing a proof of validation is under FCRA is a violation and must be deleted for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the use of credit karma, approximately on or about XX/XX/19. I was sent an alert that my account was accessed from another device. Not mone not me at XXXX XXXX. I reached out to there so called customer service department who stated they would get back to me with in 48 hrs. Well now it's over 100 hrs and no one has returned my email. If i am a victim of Identity theft I want to get ahead of this ASAP. It seems like they have been hacked and are afraid to publicly announce it. I hope you can bring this to light as you did with XXXX. 
Best Regards XXXX XXXX XXXX
Product: Debt collection

i got a letter in the mail saying i owe this money and i never open this account they don't have proof i open this account anyone can go online to open accounts in anyone name therefore im asking that this bill be closed out i never open this account in my name at all.
Product: Credit card

A person that I had long lived with opened several fraudulent accounts in my name, including with LVNV. I did not know of its existence until a credit report was run. I then confronted the individual who opened the account. I have disputed the account with LVNV directly multiple times now, but they are insistent the account is mine. I have requested information that convinces them of this. Up to this point, they have provided some information, but nothing that definitively demonstrates that I created it. I filed reports with the local sheriff 's department, the credit bureaus, the FTC, and the FBI. By now, most creditors have acknowledged this and closed and deleted the fraudulent accounts from my credit reports.
Product: Credit card or prepaid card

I am a federally protected consumer and BestBuy has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit card

I am an American Express XXXX card holder and I pay {$5000.00} inannual fees alone for the card and the dreadful customer service associated with it.. I have been an American Express " member '' since 1983. 

I have an additional card on my account. The details of that card were stolen and fraudulent charges appeared on the card. The fraud was reported in a timely manner. The fraud investigation was totally mishandled by American Express and I have still not been reimbursed a total of {$190.00} in fraudulent charges. 

On the first statement on which the fraudulent charges appeared, there was a total of {$390.00} in fraud charges. In the subsequent statement, there was a further {$190.00}. 

Amex originally reimbursed the full {$390.00}, but then did a " fraud credit reversal '' for {$100.00}. When I complained by phone, the fraud credit for {$100.00} was reinstated. On the same call ( XX/XX/XXXX ) I reported the subsequent fraudulent charges of {$190.00}. This report was ignored and I received no further reimbursement from Amex. THIS CALL WAS RECORDED.
Product: Checking or savings account

I had a checking account with Wells Fargo years ago. I quit using them due to so many overdraft fees and fees they took out between the years XXXX to current. To me, that was dirty to always get hit with large overdraft charges. This was done in XXXX I have moved to XXXX since then, and changed my last name to woods.My apologies, I can not give actual years or dates. I always felt Wells Fargo was dirty when it came to so many overdraft fees.
Product: Vehicle loan or lease

SUMMARY OF COMPLAINT : Contract Fraud, Predatory Lending, and Misapplication of Payments by Credit Acceptance Corporation ( CAC ) In XX/XX/XXXX, I financed a vehicle through XXXX XXXX using a loan serviced by Credit Acceptance Corporation ( CAC ). I was only shown and given access to one contract with terms I agreed to ( monthly payments of {$540.00}, total finance charge of {$14000.00}, and amount financed of {$24000.00} ). 

However, I later discovered CAC had concealed and enforced a completely different, undisclosed contractwith a higher monthly payment ( {$590.00} ), a higher finance charge ( {$16000.00} ), and a different amount financed ( {$26000.00} ). I never saw or agreed to this contract. My electronic signature was misused to enforce this hidden agreement. 

This dual-contract scheme resulted in : Inflated interest charges, including a lump-sum charge of {$3700.00} added in XX/XX/XXXX. 
Misapplication of over {$33000.00} in paymentsonly {$17000.00} reduced my principal balance. 
False delinquencies and manipulation of my TransUnion credit report. 
Emotional distress and economic harm, including blocked refinancing options. 

I submitted complaints to CAC, the PA Attorney General, and CFPB in XXXX. During this time, CAC retaliated by downgrading communication, misreporting payments, and denying transparency. Their representative confirmed they must report to credit bureaus monthly, even while a regulatory investigation was pendingdespite unresolved disputes about inflated interest and balance manipulation. 

I am now requesting : Full removal of this tradeline from my credit report. 
Full restitution of the {$33000.00} I paid toward this fraudulent loan. 
Immediate investigation into this deceptive loan servicing and contract substitution. 

This matter is now under criminal investigation by the XXXX Police Department ( DC # XXXX ). I have retained legal counsel and am submitting supporting documentation including an affidavit, contract comparisons, and payment analysis spreadsheets.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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

XXXX XXXX charge off on my credit report opened on XX/XX/year> is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX XXXX
Product: Debt collection

Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX  to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX  I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police  department incident number XXXX I have been dealing with XXXX  and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX  and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me
Product: Credit card

Re : Dispute Account number : XXXX To Whom It May Concern : I am writing regarding Credit Card Account XXXX ( now closed due to stolen credit card on XX/XX/XXXX ). The new Credit Card Account # XXXX. 

I have submitted several claims to Wellsfargo since XX/XX/XXXX for fraudulent/unauthorized use of my credit card account ending in XXXX and received letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed. 

As I have previously stated, my credit card was stolen, along with other personal belongings when my vehicle was stolen from my driveway on XX/XX/XXXX. Despite my error and honest mistake in delaying the report of this, as I believed at the time that I had submitted a claim indicating my credit card was stolen, I have shown clear evidence via ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report from XX/XX/XXXX and ( XXXX ) Video footage of the incident that occurred on this date. The XXXX XXXX letters stating the transactions from XX/XX/XXXX XX/XX/XXXX appear to be authorized by you is clearly a false assumption. 

Additionally, XXXX XXXX reportedly offers XXXX XXXX XXXX to monitor and detect unusual activity on customer accounts. The pattern of purchases made on the credit card account after XX/XX/XXXX is undoubtedly a deviation from my usual spending pattern and therefore should have been flagged immediately as possible fraudulent purchases. 

I am really need your help to investigate these charges. It looks like XXXX did not do any investigation and assumed all these charges authorized by me. Please help me to review the documents I submitted to you and requesting XXXX to remove that all charges made on Credit Card Account ending in XXXX since XX/XX/XXXX along with any Finance Charges accrued during this time period due to non-payment of the charges that were unauthorized.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed a dispute letter to Transunion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Transunion that was issued by them in XX/XX/XXXX that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Credit reporting

I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.
Product: Checking or savings account

Hello, XXXX : This is very high level. I will go into more granular detail if needed/asked. 

My USAA checking account was compromised thought my tablet ( mobile device ) for about {$11000.00} in the month of XX/XX/XXXX. I filled each fraudulent charge as such when I discovered what was happening about a week later. 

A lesser amount was taken the month prior, and I requested a new debit card thinking my card was compromised. Come to find out, it was internal to my network. I have since re-formatted the tablet effectively killing the malware/virus. 

USAA issued me provisional credits while they investigated the issue. I thought to myself, what a good bank, looking out for their customers. On XX/XX/XXXX, they started to take back the credit. On XX/XX/XXXX, they removed {$4500.00} from my account, to recover the fraud I reported. I then took a hard stance with USAA. They decided when my wife was grocery shopping, to freeze our account. We immediately called and all anyone could say is per the disclosure agreement we have decided to not do business with you anymore. 

I then got letters from USAA stating this basically : the transaction was initiated from my IP address and email. I told USAA that if the malware was on my device, of course it came from my IP address. Once your device is hacked, they have access to any information on that device.

Another reason is that I made 7 non disputed transactions more than 4 days ago. I dont check my bank account every day, but I do at least once a week, When I saw the transactions, I immediately called USAA to dispute EVERY ONE OF THEM. So, this reasoning is null and void to me. 

Fast forward to today, XX/XX/XXXX. I have since uploaded multiple documents that prove my innocence and today, they stated I can NO LONGER dispute this. Well, I am not going to quit for something that isnt right and when I did NOTHING wrong.

I would LOVE to discuss this more and the next step is the OCC. Please see the attachments as for what I sent as proof. It goes into my paid subscription into the XXXX service that monitors the dark web and shows my information was all over the internet. 

" After a thorough investigation, we have determined that this activity isn't fraudulent. We based our decision on the following information : merchant was able to verify, Name, and Email Address, and address that match to the member/ '' This information is free on the internet and I proved that point, please see the attachments. I have many MORE attachments to show evidence and proof. This should be sufficient for now. 

They froze my account 2 days after receiving my VA disability check and paycheck. I have been without for almost three weeks. Nobody in the USAA cares. I called everyone and even someone from the office of the CEO and no sympathy, empathy, like you are the criminal. The left hand doesnt know what the right hand is doing at USAA XXXX This is just the cusp of my information and proof. I would be more than happy to discuss this further with the CFPB.
Product: Debt collection

Unknown account listed on my credit file which I do not owe. Please help I have disputed with nothing being received
Product: Credit card or prepaid card

In XXXX of 2022, my AAA Visa card was owned by XXXX  XXXX XXXX. I disputed a charge and notified bank. In XXXX, XXXX  XXXX XXXX resolved dispute and sent me a letter confirming charge would be removed. 

In XXXX, 2022, Comenity Bank took over this card from XXXX  XXXX XXXX. They sent my account to a collection agency saying I owed for the XXXX, 2022 charge plus interest. I sent Comenity ( by registered mail ) proof that this charge had been resolved by XXXX  XXXX XXXX. Comenity sent me a letter saying that since they received notification for the XXXX charge in XXXX, I was not eligible for the refund. 

Comenity was NOT the bank holding the card in XXXX of 2022. XXXX  XXXX XXXX was and they resolved the issue. Comenity resurrected a dispute for a charge from another bank and are ignoring my proof that it was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and Equifax states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed Equifax of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Product: Checking or savings account

Not exactly sure about the dates and exact amounts because they totally blocked me from seeing my account info not long after closing my account they they did on there own without telling me.
Product: Debt collection

I had XXXX XXXX through XXXX Insurance in 2019. The XXXX XXXX office couldn't collect for the appointments through XXXX XXXXXXXX and so they are coming after me. I was assured by my insurance case manager that I do not owe them anything. They applied for more appointments, were given partial payments, and are just trying to claim the outstanding amount from me. 

I have already spoken to them, and had XXXX  XXXX XXXX or XXXX XXXX send a letter to them explaining that, as XXXX patients, I don't owe a XXXX to them. 

But they have now sent me a letter for debt collection. This is coupled further by the fact that the couple that own the XXXX business also own the debt collection agency. 

Can you please either confer with XXXX XXXX ( XXXX XXXX  case manager ) on XXXX XXXX XXXX or email her at XXXX to get a better explanation. I have never been involved in debt collection in my life and this XXXX  office was very disconcerting in their practices to aggressively push clients to book appointments. The amount is very negligible - and it's strange that they would push for {$79.00} to be collected, especially after my case manager made it clear to them that I didn't owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date issued : XX/XX/22 I filed an identify theft report requesting transunion to block and remove the inquiries off my report. I sent the inquiries I want removed, a copy of my driver license and a copy of my pay stub for identification. 

Transunion replied saying they needed further identification even though I sent a pay stub and my drivers license!