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

Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my XXXX XXXX XXXX and Chex Systems has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 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. 

XXXX was paid off on XX/XX/20
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX emailed to me the closing contract from Traid. The closing date was XX/XX/XXXX. The contract was signed and delivered to XXXX XXXX XXXX XXXX XXXX by XXXX XXXX of XXXX Fl. However, on XX/XX/XXXX, I received an email from XXXX at XXXX XXXX notifying me that Triad was not honoring the contract because they wanted the home to be my primary. I have an email from XXXX, XXXX showing that I would be keeping my primary home in XXXX XXXX, FL. This has caused a lot of stress and XXXX to me with them back out of the process this late, after the closing date. I have spent a lot of money on down payment, clearing the property, having dirt brought in, septic tank installed, permits, labor, and attorney fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data was breached months ago and is now coming out to the public. Very important information was released without authorization and this company should be made responsible for the long lasting ramifications that its customers may have to endure.
Product: Debt collection

On XX/XX/XXXX, I received a letter from The CBE Group , Inc . The company was attempting to collect a balance owed to a XXXX XXXX XXXX account. The debt was for an account owed as XXXX XX/XX/XXXX. The amount was {$160.00}. I had an iniial fraud alert as of XX/XX/XXXX. I had no Spectrum account in my name. 

In response to the letter, I have sent a return notice claiming that the debt is not mine. This return will be postmarked XXXX XXXX, XXXX. 

The CBE Group , Inc . 
po box XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Its things from over 2 years ago this is fraud I had no idea about this
Product: Checking or savings account

To whom it may concern, I have been having the worst time with Wells Fargo banking, and because of this I am now in a terrible situation. I reported a fraud claim on my account for XXXX dollars.I checked my account after getting a weird call, I looked at my account and saw XXXX atm withdrawals in XXXX Florida. I live in XXXX XXXX so that was a HUGE red flag. I immediately reported the activity after a long XXXX hour wait and conversation with the banker. It has been XXXX business days now and my claim has been declined. I called right away to see why I was now out of XXXX dollars, they claimed the investigator called 3 times and I did not answer the phoneThat was the deciding factor.That is very unethical considering I work for a living and can not just pick up the phone at any time. I would immediately call back just to get put on a hamster wheel, being told to go to the bank to get codes and reference numbers just to be told they cant help. I have called back multiple times after I received the investigator 's call, everytime my call gets breakin up or they tell me they can't help me.I have had NOTHING to do with this withdrawal, I live in XXXX XXXX California, I would never have withdrawn that amount of money and especially in Florida. That WAS NOT ME!. This has been the WORST EXPERIENCE of my life. XXXX is around the corner not to mention because of this I am now late on multiple payments. Whoever investigated my claim should be FIRED! It is plain as day that I was scammed and I haven't had the justice I deserve. As well as being behind on my rent now. It's known that Wells Fargo has had workers leak their clients information in the past and this is what feels like is going on. There is no way I should lose XXXX DOLLARS based on a withdrawal I DID NOT DO. This is fraud and VERY illegal. Please re-open my case and HELP ME ASAP! I have so many bills to pay and rent that's past due. 

Thank you
Product: Checking or savings account

Its cash app Im trying to transfer my money from old account to the newer account and theyre been trying trying its not working i I told him to close my account send me a check theyre saying yes and Ive been waiting months already I just talked to them they still didnt do that
Product: Mortgage

Hi XXXX informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that Chase had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents Chase can only collect fees if they were the prevailing party. Chase sold the loan to XXXX. For many years Chase never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for Chase AT THAT TIME WAS CONVICTED FOR FRAUD. YO CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither XXXX  OR cHASE CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX
Product: Mortgage

Wells Fargo, has denied me a short sale, and the want to put the home foreclosure, they have been playing game since XX/XX/XXXX, stating that they have not received the document on time. They are violating MA state law, Acts 194 XX/XX/XXXX. we complaining before and its seems Wells Fargo are discrimination against us.
Product: Credit reporting

On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to provide an affidavit in fact letter regarding my credit report with your agency. I have reviewed my credit report and found fraudulent unauthorized inquiries on my consumer report. 


The fraudulent unauthorized inquiries are as follows : 1. Inquiry Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge and belief. I didnt provide written permission in pursuant of 15 USC 1681c-2. Block of information resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX  XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been reporting inaccurate information XXXX my credit report : My XXXX XXXX XXXX XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, Experian, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, Experian shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Product: Debt collection

I had anesthesia procedures during XXXX and XX/XX/2020. During those procedures, I needed to receive anesthesia. I was asked to provide my XXXX card because I was told that XXXX would pay the providers ; I also have secondary insurance and that info was also provided. My physician and the facility both received payments via XXXX. Apparently, The XXXX XXXX ( the Company ) did not receive payment.

I learned of the non-payment when I started receiving bills from the Company. I called and inquired but was told that the Company had submitted claims to XXXX numerous times and the claims had been rejected rather than processed. Initially, they agreed to try again after I determined that the other providers had been paid. I noticed that bills I had received from the Company had been addressed to a person with a name similar to mine but not identical to my name. The name used included a suffix that is not part of my name and therefore is not on my XXXX card. Because I thought that might be a reason for the problem, I called and pointed out the problem but the erroneous billing continued. I sent letters to the Company informing them and asking them to stop billing me. One of the letters is forwarded with this complaint.

The Company forwarded bills to National Recovery Agency ( NRA ). After that, I spoke to NRA and forwarded part of my correspondence with the Company. NRA subsequently informed me that it had returned the bills to the Company without taking any action. But that did not stop the Company from billing me. When the bills continued to be sent, I contacted XXXX. A XXXX representative informed me that the Company had finally submitted a claim that was eligible to be processed. The representative additionally informed me that the claim had been denied because XXXX received it too late and that I was not responsible for paying any amount whatsoever to the Company. A transcript of that chat is included with this complaint. The XXXX representative also offered to send written documentation, which I subsequently received. Relevant pages from the documentation are also included with this Complaint. The representative also stated that the Company had been informed.

I continued to receive bills. I wrote to the Company to remind the Company of the XXXX action. The Company once again did not respond. 
At some point, the Company again sent its erroneous bills to NRA. NRA caused collection notices to be included in at least the XXXX credit report and possibly other reports. My credit rating has been seriously adversely affected. I have forwarded documentation including items forwarded with this complain to NRA. NRA has declined my request to withdraw the reports it has recently sent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect
Product: Debt collection

I have been trying since XXXX of 2015 to have this Bank of America debt taken off my credit report. I first contacted portfolio XXXX in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the first time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a week later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified that the office of the attorney general does not properly report payment history no less that 3 times. Every time I dispute, oag updates the payment history. If oag is to be allowed to report to the credit companies, they must report accurately. They have consistantly proven that they are un able, there fir they must be blocked from reporting and the item must be removed from my credit file. 

Experian has asked me to upload the agreement between me and the oag, to prove that they are reporting inaccurately. I tried to upload to their website 3 times but it fails each time. 

In the attachment you will see that the agreement is new, I can not be past due for a new agreement. You will also see that oag does not own the debt, therefore they can not report on the debt, that is the responsibility of the debt owner. You will also see that oag does not disclose how they will report late payments, so reguardless of what they say, they have no authority to report, and they can not report at all since the info is not disclosed in the agreement. Please remove from my credit file and block further reporting. 

Also, I was not given a choice to sign or not sign, I was forced to enter into the agreement against my will.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I filed a complaint with all 3 credit reporting agencies and only XXXX has removed the item in dispute that was being reported within my consumer credit file. XXXX and Experian have not responded in a timely manner nor have they removed the disputed fraudulent account from my consumer credit file from XXXX  XXXX XXXX XXXX # XXXX. It has been past 30 days on XX/XX/2024. Therefore this disputed information in complaint # XXXX should be immediately removed.
Product: Credit reporting or other personal consumer reports

Equifax has 3 account I have properly disputed, requesting verification, validation up to Removal, these 3 account have no lender or debt collector information, no name, no address, no phone number as requested by the fair credit act. 

I request immediately for the following items that are affecting my credit report to be removed and updated as soon as possible 1 ) Account XXXX Showing a Balance of {$670.00} 2 ) Account XXXX Showing a Balance of {$1400.00} 3 ) Account XXXX Showing a Balance of {$1600.00} I do not have knowledge of any of these account, I have not have any source due to information not provided to verify or validate as per the fair credit act
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding " ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I have provided the name of the accounts are listed below - XXXX XXXX XXXX XXXXor the amount of {$750.00} - XXXX XXXX XXXX for the amount of {$900.00}
Product: Credit card or prepaid card

I purchased a {$500.00} Vanilla Gift card including a {$5.00} activation fee from a XXXX store on XX/XX/XXXX in XXXX, NC. The gift card was never out of my possession. I went to make a purchase using this card several days later and the purchase was declined. I later checked the balance of the card and discovered that the funds on the card had been hacked by someone that spent the funds at grocery stores, gas stations and XXXX stores in southern California. 

I notified Vanilla Gift of the stolen funds on XX/XX/XXXX by filing a dispute. I spoke with XXXX and was given a case # XXXX. I also provided Vanilla Gift my email address. I have not received any email confirmation of my case details or any details of an investigation into the stolen gift card funds. I am extremely upset that my funds were stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have been reporting fraudulent charges to Commenity Bank on my BJs credit card for 4 times over a month and they just keep ignoring it and not doing anytihng about it. They did send me a new card in the mail but they are not addressing the fraudulent charges from XXXX XXXX XXXX Games. They are completely unresponsive. They just keep transferring me around and ignoring my private email messages. 

Clearly their customer service is lousy but I still need this error corrected on my statements. 

I have reported 4 times already. Please ask them for a person to fix this.
Product: Credit card or prepaid card

I have close to XXXX Amex points and they have frozen my account for well over 6 weeks saying that there is an internal review going on and they can't tell me when I will be able to use again. 

This is totally unacceptable.