23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im gon na continue to fight this because now Wells Fargo is hiding the phone conversation I had on the phone with whom I spoke with. This person specifically said that they would remove this from my report in XXXX of 2022. I didnt have to make that payment but I did so that they would remove this from my report. Why would i have paid otherwise? I would have never paid something I did not authorize to be opened. I already explained that it was my ex partner who was XXXX  and revenged me this way. Why do they keep continuing to ignore what I said on the part where I did not open this account and that my ex partner had my information to log in when we broke up? They keep blaming me for it instead of looking at the real problem. What are they getting from keeping something on my report that I did not authorize and had paid them an amount to get this off of my report. Once again, I did not have to pay for this but I did.
Product: Credit card or prepaid card

I took out a cash advance in XXXX. American Express tried to explain to me after making a {$200.00} payment yesterday that I had no cash to withdraw. They told me that if you only pay the minimum monthly payment that none of that goes towards your cash balance. I always pay over the minimum sometimes its {$5.00} but its over the minimum. I asked where that money went. They said to the account area that has the highest interest rate. That is the cash advance. Where it should of went. Anything over is paid on the interest not the amount of the cash withdrawal. So basically you are never going to pay it back. Although in the month of XXXX I made 3 payments 2 for {$50.00} and 1 for {$70.00} all made in XXXX. The minimum payment was {$25.00} my math might be off but thats {$130.00} over the minimum. The interest taken out guessing {$20.00} still leaves {$110.00} dollars that did not go to the account with the highest interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts from my credit report..The accounts are showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 Balance {$18000.00}. m According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending.
Product: Student loan

I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.
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}, {$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 on XX/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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I get numerous successive calls from XXXX XXXX XXXX. 
XXXX. It is abusive
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Account Data Breach Victim Dear Sir/Madam, I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Amount : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a XXXX XXXX and they ordered XXXX XXXX to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on
Product: Debt collection

Dear Resurgent Capital Services, I sent your company a certified letter requesting debt verification for account XXXX, and your company provided me with a copy of the account summary. According to the FTC, an account summary and billing statement does not represent verification. I also want to point out that some of the transactions were made in XXXX XXXX, NV which is XXXX XXXX XXXX of where I live in XXXX California. You can not continue to report disputed debt if you fail to validate. The law is clear on this issue. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} per incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I'm asking your company to stop all phone and mail communication except for advising me that you will immediately delete this account from my credit reports. Here is what you need to do within 10 days or I will be talking with an attorney to make sure I have my rights under the FDCPA and the FCRA. Instructions : 1 ) Delete this account from XXXX, XXXX, XXXX within 10 days from today. 2 ) Cease all phone and mail communication 3 ) Stop all collection activity on this account as I consider this matter closed. 4 ) Send me a check for {$1000.00} for violating the FDCRA. If my requests are not met, I will escalate this matter.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX ( Comenity Bank ) about fraudulent charges on a credit card that I had. I did not open this account and had my son contact the company on XXXX to verify this and they recorded the conversation so that the account can be closed. Contacted multiple times for an update. I am still waiting on a letter stating the account will be closed as the rep stated it could take up to XXXX days. We sent a letter ( via IdentityTheft.gov ) through XXXX ( Tracking XXXX ) to Comenity Bank on XXXX in regards to the fraudulent account and requesting a letter stating the card needs to be closed. Confirmed delivery through certified mail XXXX. No response from company yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX and XXXX XXXX  service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with equifax and they havent verified from the companies that i authorized them to get a copy of my credit report i sent equifax a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Product: Payday loan, title loan, or personal loan

I found out there was a ppp loan in my name for XXXX dollars. I never received the money nor was I informed about that money. I found out about that information when I searched my name on google. 
Approximately in XX/XX/2021, I filled out the form to obtain a ppp loan at XXXX and it was XXXX XXXX XXXX who issued the money, according to what I saw on XXXX. 
Recently, I have sent various emails and I have also called both companies, but they do not answer messages or calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX : ( XXXX ) - # XXXX ( XXXX  ) - # XXXX XXXX XXXX : ( XXXX ) XXXX # XXXX ( XXXX ) - # XXXX ( Equifax ) - # XXXX XXXX XXXX XXXX : ( XXXX ) XXXX # XXXX XXXX XXXX ) - # XXXX ( Equifax ) - # XXXX XXXX : XXXX XXXX ) - # XXXX XXXX XXXX : XXXX XXXX ) - # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX XXXXXXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/2014 XXXX
Product: Debt collection

Sighs .... where do I begin? Starting back in XXXX I sent a letter to Portfolio recovery asking them to validate the allege account not verify but validate ( letter is attach as well in return I sent a letter with a itemize billing? Left me very puzzled. I then send a second letter informing portfolio recovery that they neglected to validate debt. THIS ISNT MY ACCOUNT. I asked in the 2nd letter for the collection agency ro provide viable evidence my signature!!! I even asked the collection agency to detail the procedure used to determine the accuracy I even asked to know who I there company verified there account. If this is my account prove it show the contractual obligation your alleging I have this is truly disheartening because no one at portfolio has even look at my letters they just send out this allege bill despising the fact that Ive spent my hard earned money to mail letters to clear matter
Product: Credit card

In XXXX 2016 was charged an over limit fee on XXXX of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged {$39.00} for going over the limit a few times since, and after XXXX in XXXX I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumers must " opt in '' to over-limit fees. Those who opt out will have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. I would like to know why Wells Fargo is NOT allowing for this option. ( They did refund the fee charged in XXXX ). So far this year, including the XXXX charge, this XXXX card has been charged {$190.00} for going over the limit, {$39.00} each time. I would also like to confirm that the fee can not exceed the amount that has actually gone over the limit, as also stated on this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month my credit dropped nearly 146 points after XXXX incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. XXXX and TransUnion consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reportingXXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below