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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I checked my credit score and I found out account was listed. Upgrade INC - loan type line of credit opened XX/XX/22. Balance {$16000.00}. I didnt open any accounts with Upgrade. Identify theft. I called to report the fraud and spoke with XXXX on XX/XX/22 at XXXX to report fraud and that I did not open any account. I wanted to speak to someone in company who handles this. I not received any calls or emails back from Upgrade. I did find out the corporate office address Upgrade INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. The second address found on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX AZ. I also filed a FTC report and made a police report on XX/XX/22. Somebody stole half of what I make in a year online. My credit and family now cant get proper housing due to identify theft. The company again has not taken any steps to correct what has happened. I was referred to make a complaint today by the FTC. I want my credit back and thieves caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : XXXX XXXX XXXX OHIO Docket # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX These accounts are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX T Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

On XX/XX/ I received a debt collection statement from Helvey & Associates representing XXXX XXXX Ohio & Kentucky in the amount of {$140.00} for account XXXX ( see attached Ref # XXXX ). I am a customer of XXXX XXXX in North Carolina. I contacted XXXX XXXX XXXX Customer Service department. I spoke to XXXX and then to XXXX with XXXX XXXX and was told there was an account set up in the name of XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX, Kentucky on XX/XX/XXXX @ XXXX and was active through XX/XX/XXXX. I registered a complaint that this account was not mine. XXXX called me back after speaking to her supervisor and advised me to start this process. 

I also completed and returned the form ( Ref # XXXX ) to Helvey and Associates stating that this was not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor {$1100.00} XXXX XXXX FI {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$640.00} XXXX XXXX XXXXXXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! XXXX XXXX XXXX Please remove late payment
Product: Checking or savings account

Writer submitted an offer to an XXXX XXXXeller on XX/XX/22 for {$230.00}. Seller requested payment through XXXX similar to XXXXXXXX XXXX  transactions. Confirmed verified XXXX account and submitted payment via Chase XXXX on XX/XX/22. Seller continued to communicate via text and requested info for verification of shipping. Writer continued to follow up throughout the day, but during the evening of XX/XX/22 and into XX/XX/22 communication came to a halt and no further follow up from seller. No shipment en route. Writer filed claim via Chase in response to XXXX transaction. Unable to offer reimbursement due to it being XXXX, but sent complaint over to sellers bank for review. Sellers account has all but disappeared on XXXX with still no contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 's regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB '' XXXX findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
From XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries, reported to my credit report, XXXX and XXXX. 

Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking account with both USAA and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a postcard from " XXXX '' ( who's return address is located at XXXX XXXX   XXXX, XXXX, TX XXXX ). They are asking for me to send my full name, SSN, all addresses for the past 2 years, DOB, a photo copy of my identification, and a copy of a document such as a bank statement. I have no idea who XXXX  is and even if I did, due to the Maryland stay at home order and not owning a printer or scanner, I am unable to follow up with such a request.
Product: Mortgage

I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.
Product: Bank account or service

Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.
Product: Student loan

I received a buyback letter for 10 months I was in forbearance. The letter states that if I make the payment within 90 days, the department of education will discharge my loans. I made the payment to MOHELA on XX/XX/year>, the same day as the letter was emailed to me from XXXX. I waited on hold for 4 hours with MOHELA to understand the process, when my loans would be discharged. I wanted to know how to make the payment, how they communicate to FSA that my payment was submitted and they didnt even know I received a buyback letter. I filed a complaint asking that my loans be discharged and I havent received a response. I have worked for the government for over 10 years and am frustrated that my forgiveness is being arbitrarily halted. No one seems to know the process and I have a letter from XXXX stating my loans will be XXXX after I make the lump sum payment.
Product: Credit card

I had a Lowe 's synchrony credit card account. In XXXX I called to get a balance because they claimed my payment hadn't been made. Upon checking I saw that no payment had been processed through my bank account. Lowe 's synchrony card is XXXX of the hardest cards to transact with online, payment was probably scheduled and just simply fail to process. I paid my late fee, paid off my balance and close the account. Afterwards I received a notice that I owed {$5.00} and change, I disregarded that notice since I had paid the balance requested including late fee, I have now received notice of a new balance that is {$7.00} in change, call Lowe 's for an explanation because my bill was paid late, there was an additional interest charge. It is not my fault that Lowe 's synchrony is hard to pay online, it is not my fault that Lowe 's synchrony doesn't possess the hardware to calculate accurate balances on the day of payment. I paid the balance requested, including late fees on the day of account closure. The contract is settled. Now Lowe 's is threatening my credit rating and charging me {$2.00} a month as a late fee, on an interest fee because of a late payment on a settled and closed account. This is credit harassment at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sam 's club I owed XXXX $ as of XX/XX/2013 I hired an attorney and I tried multiple times to contact them. I talked to someone at this address and number. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX I offered to pay in full, he said we are not looking for payment on your account. I responded ok thats great will you take it off my report then. He said were not going to do that either. I offered again to pay. He said to write the office, which I did at the address with a complaint that I wanted it removed. I did back in XXXX. Also gave this information to a law firm I hired to try to clear this issue up. XXXX XXXX, XXXX. XXXX. 

I have had no luck resolving the issue. 

This is a copy of an email from XXXX at XXXX law. I couldn't get it to load as an attachment Mr. XXXX, When you mailed the dispute letters that we drafted for you to the credit bureaus what was their response with regards to the Sams Club account?

I finally got through to the right person at Synchrony Bank and they said basically the same thing they said to you, which is that they can't accept any payment on the account and you have to go through the credit bureaus in order to remove it. Do you have the dispute response letters you got back from the credit bureaus after you mailed the letters we drafted for you? I need to see those. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX ( Bank ) XX/XX/2023. Thank you. XXXX XXXX
Product: Checking or savings account

File a fraudulent dispute on XXXX XXXX, name of transaction : Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$300.00}, Fraude Dispute amount : {$300.00}, reason- unauthorized and have been having this issue with you all for months without resolution, this is a Debit purchase. I was told falsely by multiple agents that they have filed the fraud claim but that was a lie. I would like my funds back via check as this was unauthorized and you all closed my account without explanation. I have provided all information you all asked of as well as filed police report and still having issues with this fraudulent transaction.
Product: Debt collection

in XXXX Asset Acceptance filed against me in small claims court for credit card charges that were made in XXXX in the amount of {$4500.00}. With this court case, they were issued a judgement for the amount they indicated was due. NO Contract, no credit card application, no signature, just a blurry printout of there computer system with my personal information. Fast forward 3 years, in XXXX and under the same case number they filed FINAL DISPOSITION FORM, listing the same amount due through XX/XX/XXXX. Moving forward to XXXX, I am selling off some assets and I was informed before I can continue with the sale, I have to pay Asset Acceptance a total of {$7000.00} According to a judgment form XXXX according to the last filing date in XXXX, the debt is now XXXX XXXX XXXX ( in all reality is been since XXXX, so its really XXXX XXXX XXXX ) I made some phone calls and was told that this was over the statue of limitations and this account, by Law is considered Time Barred Dept . When Asset Acceptance was contacted by the Title Company ( Without my knowledge ) on XX/XX/XXXX, they upped their game an indicated that I owned XXXX, they were even kind enough to put in in writing, and with this they also threatened to sue me again if not paid in full by XX/XX/XXXX Not one time they indicate that this was originally an 18 year old account or that is was Time Barred Debt. They demanded payment from an real-estate sale before closing. This stopped the sale of the property. 

ACCORDING TO THE FTC in XXXX Asset Acceptance was charged with the following The Federal Trade Commission ( FTC ) has charged Asset Acceptance , LLC with a number of violations of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresenting debts Asset Acceptance misrepresented the validity and ownership of debts, including their character, amount, and legal status. 
Failing to disclose information Asset Acceptance failed to disclose that debts were too old to be legally enforceable, or that partial payments would extend the time a debt could be legally enforceable.

Providing inaccurate information to credit reporting agencies Asset Acceptance provided inaccurate information to credit reporting agencies, and failed to notify consumers when it did so.

Harassing debtors Asset Acceptance contacted third parties to harass and intimidate debtors, and made back-to-back calls repeatedly.

Failing to investigate disputes Asset Acceptance failed to conduct reasonable investigations when consumers disputed its negatively reported information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. I previously requested Midland Credit Management to validate the account in question. However, they have failed to provide sufficient documentation, such as proof of the original creditor, account details, or any agreement linking me to this debt.

According to the FDCPA, if a debt can not be validated, it must not be reported or pursued for collection. Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies are legally required to delete unvalidated or inaccurate accounts from a consumers credit report. Reporting unvalidated information violates these federal laws and causes undue harm to my credit profile.

Since Midland Credit Management has not validated this account, I am requesting its immediate deletion from my credit report in compliance with these laws. Failure to remove this unvalidated account constitutes a violation of the FDCPA and FCRA, which protect consumers from inaccurate reporting and unlawful collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 has violated my rights. 

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 a acount without my written instructions
Product: Debt collection

NCB management service say I owe them I don't owe them nothing and they put it on my credit
Product: Checking or savings account

Chase bank refused to review further or even approve my refund claim when someone hacked into my business account and made two an unauthorized transactions from my checking account through XXXX. They sended me into XXXX XXXX chase with XXXX and i was never able to speak to anyone that could help me. 
The reps at chase were : XXXX ( claims department ) and XXXX ( Supervisor with the claims department ) their number is XXXX XXXX