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

I never opened this account. You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 


Remove this account from my credit reports XXXX XXXX and XXXX Send me proof that you tried to contact me about this debt before it went to collections This account is showing up twice on my credit report. 
It's a duplicate
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.
Product: Checking or savings account

BBT Personal Acct # XXXX for XXXX XXXX XXXX. 
SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. 

Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.
Product: Debt collection

They continuously called me and asked for my information. I would deny, they called my wife and she said yes she was my wife. she was then told why i hadnt paid a debt to XXXX over 6 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Unauthorized credit inquiries on my credit reports, I tried to dispute it with the companies but not able to, its seem any bank or agencies can run a consumer report and no one seems to care about it. 

On my transunion report XX/XX/2023 by UNIVERSALCIS
Product: Money transfer, virtual currency, or money service

Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to XXXX XXXX  savings account ( XXXX ) on XXXX 

XXXX received the money on the same day ( XX/XX/ ) but automatically reversed the money back to Amex two days later ( XX/XX/ ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : XXXX : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : XXXX : XXXX started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. In request blocking the collection account and removing from credit report. After reviewing the information from the collection agency, Im aware that the agreement ( s ) provided by the collection agency supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached my social security card, identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) and identification as my supporting documentation. Thank you.
Product: Credit reporting or other personal consumer reports

NAME ; XXXX XXXX XXXX ADDRESS ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BUREAU CREDIT NAME ; TRANSUNION CREDIT REPORTING AGENCY ADDRESS ; XXXX XXXX XXXX XXXX, PA XXXX TO ; TRANSUNION CREDIT REPORTING AGENCY I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT ( XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently I have reached out directly to Santander and was told on XX/XX/XXXX 2020 they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Product: Money transfer, virtual currency, or money service

On XXXX someone was able to access our online banking through Wells Fargo, maxing out our company credit card with two large cash advances ( the car had a balance of XXXX prior to this event. ) They transferred money between our other business accounts, and make a fraudulent wire transfer to a stranger ultimately totaling a loss of {$24000.00}. 

We caught the fraud almost immediately, and reported it to Wells Fargo within 3 hours. Wells Fargo stated they would work to recall the transfer, and told us to wait 10 business days for a result. This was an agonizing period of uncertainty for us, and we were startled by the callousness and defensiveness of Wells Fargo, and their inability to provide us with any additional information. At approximately 10 business days, we received an unsigned form letter stating that our claim had been denied. 

It's estimated that we've spent approximately XXXX in the ensuing weeks attempting to rectify this situation, and reach someone at Wells Fargo who could give us more information and advise what other steps could be taken. ( See attached documentation of our communication. ) We feel like we were constantly being transferred within the call center, and not able to provide any information or gain a better understanding of what happened. From the best of our understanding, Wells Fargo maintains that the transfer was verified from one our our devices, therefore absolving them of all responsibility. We believe the fraud occurred when someone impersonating a Wells Fargo employee contacted us to report fraudulent activity on our account. Our communication with this " employee '' appeared to be in line with any and all previous communication we have had with Wells Fargo. We did not provide them with any sensitive information such as passwords or usernames, or any thing close enough to give them access to our account, but did read back a verification number at one point, which again seemed to be in line with previous communication. There has to be a more clear process for verifying such a large amount of money being sent from our account. 

Currently, Wells Fargo is holding us responsible for {$24000.00}, and in addition is adding finance charges and cash advance fees to our now maxed out credit card, which is now putting us over the limit, with a statement due. We are now concerned about the impact to our good credit that we've worked hard to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XXXX XXXX 2017, I have contacted Equifax, Inc about my inability to view copies of my Equifax Credit File using any service ( XXXX, XXXX, equifax.com or any other provider. Companies and financial institutions are also unable to pull copies of my credit file since XXXX XXXX 2017 in clear violation of the FCRA due to Equifax XXXX XXXX active on my account despite the fact that I canceled this service on XXXX XXXX 2017 and have requested this be fixed but my requests have been null. On XXXX XXXX I ordered the Equifax Credit monitoring solutions which allows daily pulls of my personal credit report. Since then, I have pulled daily copies due to ongoing credit disputes on inaccuracies I am working on fixing. This stopped working XXXX XXXX and has not worked since then. Equifax needs to fix their credit lock system and unlock my Equifax credit file and they also have to remove soft inquiries associated with their Equifax product because after a few pulls credit reports locks which violates their contractual agreement with consumers. They claim I am entitled to unlimited daily Equifax Reports with paid subscriptions but after a few pulls credit reports automatically lock and do n't provide reports after self pulls reach a limit. This is clearly a problem. As of today XX/XX/2017, companies, financial institutions and I can not pull a copy of my Equifax credit report and requests to fix this has gone unanswered. They did manage to fix this once on XX/XX/2017 but stopped working again XX/XX/2017. They have to fix this issue or i will not be able to open financial accounts due to Equifax lock and soft pull issues. I called support today XX/XX/2017 and XXXX XXXX still active despite multiple tickets and soft inquiries not removed.. No one including myself or lenders can pull my Equifax Report XXXX This is extremely concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears someone has used my identity for fraud with different names addresses and employers. I need this to be investigated and fixed immediately. 
Example 1 : A fraudulant name on my report was used XXXX XXXX Example 2 : Fraudulant addresses, XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX, XXXX Ca XXXX Example 3 : Employers listed XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX  XX/XX/2021 Inquiry
Product: Debt collection

Credit Collections submitted a item on my credit report from an original company by the name of XXXX XXXX XXXX for the amount of {$270.00}. I've had health insurance coverage for over 10 years ( XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX ) with no lapse or any issues. I never receive any form of communication from the medical professionals that I've seen nor communication from this company in regards to this outstanding debt which I firmly believe is fraud. During this pandemic it seem to be a lot of fraudulent activities and I believe I am a victim of this horrible activity. I've disputed with all the credit bureaus and the results have not changed nor removed from my credit report. I am asking for any assistance in this matter will be greatly appreciated. Thank you.
Product: Credit card

I applied for credit card over chase bank and got denied and regardless of the reason being denied I have the rights to credit with holding my access to my securities is security fraud. They violated the equal credit opportunity act & consumer credit protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion annual report includes two phone numbers that are not mine and would like them removed from any authorization accounts they may be used for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00}
Product: Debt collection

On XX/XX/XXXX the original debtor took {$3300.00} from my income tax and then tried to charge me {$1800.00} and now I got a letter today for {$1900.00}
Product: Checking or savings account

Hi, I have an HSA account through Optum Bank. I used to be a XXXX XXXX employee when this XXXX account was created. I believe the HSA account monthly service fee was waived when I was employed at XXXX XXXX. I just recently checked the balance on my HSA and noticed I had been getting charged a XXXX fee since XX/XX/2020 which is when I left XXXX XXXX. As a consumer, I have the right to be notified that Optum Bank was going to charge a monthly service fee and I shouldve been provided the ways to avoid the monthly service fee. Unfortunately, I never received any paperwork from Optum Bank notifying me that a fee was going to be charged. Thats a violation of my rights as a consumer. I asked for a refund from Optum Bank but they said their policy only allows for 3 fees to be waived per year. Im sure theres many others as me who are also experiencing the same issue.
Product: Credit card or prepaid card

On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank
Product: Debt collection

I am a member of the XXXX XXXX XXXX, and, prior to joining the military, I acquired a loan through GM Financial with XXXX XXXX XXXX for the purchase of a vehicle. 

Since incurring this obligation, I entered the active military service of the nation in the United States XXXX on XXXX XXXX, XXXX. This entry into active military service materially affected my ability to pay. Under these circumstances, federal law prescribed the maximum interest rate which I was to be charged. 

The Servicemembers Civil Relief Act ( 50 U.S.C.A. 3937 ) prescribes a ceiling of 6.00 % annual interest on any obligation under the circumstances described above. This interest rate must be maintained for the entire period that I am on XXXX XXXX, even if I default. The percentage cap includes all service charges, renewal charges, and fees. The rate is applied to the outstanding balance of the obligation as of the date of entry into XXXX XXXX service. Any interest charged above this statutory ceiling must be forgiven, not accrued. Any person that knowingly violates this section may be fined and/or imprisoned. 

Therefore, I have asked GM Financial to amend its records to reflect this statutory ceiling and that any charges in excess of a 6.00 % annual rate are withdrawn. Also, I have asked for a detailed accounting showing the credit I was given for my time of XXXX XXXX service XXXX XXXX XXXX, XXXX to present ) with the 6.00 % interest cap reduction. I asked GM Financial to apply the credit to the principal balance on the loan. 

They received the letter stating above from me on XXXX XXXX, XXXX, and I have received no response. Instead, GM Financial reported the entire balance ( with no amendment ) to the credit agencies as a write-off, and I am now having problems with my security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter back in XXXX by certified receipt and it was also signed for with receipt Ive attached a copy of the receipt with tracking numbers as well I asked for method of verification used and receive no response its been longer than 30 days Im requesting removal of account t
Product: Vehicle loan or lease

This is a complaint filed against Credit Acceptance Corporation due to them send my account after vehicle was repossessed and sold and sueing/ garnishment for deficiency balance, they forwarded the account over to XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX never had I received any prior notify, the balance once initially reported in my credit report after vehicle was repossessed and sold back in XXXX, never did I receive any notice regarding account being transferred to some place else and that a judgement against me would be filed in court, I received very late notice from the court that was sent to an old previous address that I haven't resided at in over 7 years, when I received the court docs I followed the info on how to file an motion or disagreeance to the Judge which was in XXXX and I never received no correspondence whether email, mail, or by phone of the order was granted to garnish my wages, I was blind sided today when I checked my paystub and it said garnishment for over {$1900.00} ... ... ... now I went over these original supposedly loan docs that are attach to the paperwork I previously received and some information on the loan is incorrect, I didn't put {$3300.00} as a down payment not one bit, as a matter of fact when I purchased the vehicle the sales/ finance rep that assisted me to complete the sale even advised me to not inform Credit Acceptance when they do the welcome call that I DIDN'T put {$3300.00} and that I was still making a way lesser down payment in installments to the dealership and was still able to pull off with the vehicle, it just makes no sense to me, that Credit Acceptance basically gets all their money back and collateral while consumers are left in this mess to deal with, also I did research and there is a lawsuit with the CFPB and NY Attorney Generals office concerning similar matter and also in other states,
Product: Checking or savings account

I am writing to have the following information removed from you guys system. 
I am a victim of identity theft. I reported the theft of my identity to the Federal Trade Commission. I never had an account with you guys
Product: Debt collection

Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.