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

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud inquiry : XXXX XXXX XXXX XX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Product: Credit reporting

XXXX XXXX, 2017, To whom it may concern, I am writing to dispute the information on my public record. This information does not pertain to me, it is inaccurate. The information below must be removed from my credit report as soon as possible. Thank you for your attention in this matter. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax : XXXX. Public Records This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. They can be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Bankruptcies
Product: Checking or savings account

On XX/XX/2022 my online backing was hacked into and removed funds from my savings account. The total amount that was removed was {$1700.00} dollars. I filed a fraud claim and received a letter from the mail 2 weeks after in response my claim was denied. I did not authorization this transaction, my account was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX, XXXX XXXX and Experian of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Product: Checking or savings account

Navy Federal is going into accounts and charging insufficient funds charges on people. I had money in my account, yet there were charges that I didn't know were coming out hitting my account. They declined the charges and then billed me {$29.00} three times in one day and demand that I pay it. I refuse to pay that. When I called, they were rude, and wouldn't do a thing to help me. They are robbing people every day, and need stopped. I had to leave XXXX because they stole {$500.00} from me one day, and now this. I demand that those charges be removed, and my account be closed. I will not do business with a shady company like this. They aren't rhe only ones hurting for money, it's all Americans right now, but we don't have access to people 's bank accounts.
Product: Debt collection

I have contacted not only the debt collection agency, but the original creditor. I paid  XXXX  payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof.  XXXX  at  XXXX   XXXX  informed me they do not see  XXXX  accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on  XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.
Product: Credit card or prepaid card

Chase Bank says I have to pay over {$5000.00} for fraud charges. Crazy thing is I have two chase credit cards, both of which had fraud charges from the same merchant for thousands of dollars that were made on the same day. On one card they admitted it was fraud and removed the charges but on the other they say I told them it was a valid charge. I NEVER told them these charges were valid. The only reason I called in the first place was to report the charges so why would I say they were valid? That makes no sense. I clearly was not in XXXX where the charges were made. I have proof I was working that day. They couldnt/wouldnt tell me anything about where or even how these charges were made. How can charges on one card be fraud and the same exact charges on the other ( from the same merchant ) be me? They admitted the charges were fraud when they removed them from my chase freedom card. Its obvious fraud but they are going to force me to pay them thousands of dollars that I dont have. Ive been a chase customer for almost 20 years and have never had any issues. I have a checking account and 2 chase credit cards ( that I will no longer be using. ) I no longer feel safe with Chase. Im just appalled by the way this was handled what little they did to help me find the truth. I am contacting an attorney as soon as possible to find out what my options are because I plan to fight this. The proof is there and I am left with no more options.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Product: Debt collection

I am a victim of identity theft. In 2018 A family member used my information to start a lease without my knowledge or authorization. Ive disputed the collection account before but lacked the police report to make it valid. I now have a police report to turn in.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of a long string of identity theft, I have learned that Equifax is not only responsible for a great deal of these incidents that have essentially ruined my financial life, ( which in turn makes every other aspect of life stressful and detrimental to my health, ) they also seemingly need more than just the dispute process numerous times to make an account proven to be fraudulent and removed from everywhere else, go away. 

I had a collection account falsely issued to my credit and after disputing with documentation to all the bureaus and then CFPB, I finally made progress. Except with Equifax. It still remains. It was a XXXX credit card opened sometime in XXXX that was reported on my reports in the midst of the pandemic and economic crisis of XXXX as a charge off and now collections. As of several months ago it was finally removed on every other report and actually shows as current on Equifax. Yet, still right now, it also says charge off. 

I have lost my opportunity for funding through the XXXX due to my credit score THAT EQUIFAX IS SOLELY RESPONSIBLE FOR! I was an accident XXXX months ago and had the hardest time getting another car because of EQUIFAX!! This is criminal!!
Product: Debt collection

Companies : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Procollect Inc. 

To whom It may concern : I got a call this morning XX/XX/XXXX from procollect inc. saying that my wife and I had an outstanding bill of {$1900.00}, and so we called XXXX and we were told we did not put in a 60 day notice. I explained to the assistant manager who was rude that I put this notice in writing on a paper. My wife was present with me when I wrote this. The lady who was fair skinned with curly hair promised to update it on my file. I asked about the lady, but was told she no longer works there. I have never owed any bills to XXXX, you can as them about my rental records. I moved out of the apartment decently and organized. I kindly urge you to please look into this matter as soon as possible. 

XXXX : Collections told us to reach out to the company ( XXXX ) about this issue and that we have 13 days to dispute and revert this, and I have done that today. 

XXXX : Apparently, the apartment ( XXXX XXXX XXXX XXXX  ) said that vacating the premises one day early was deemed early termination, hence the {$1900.00} bill. the attached files proves that I left in a timely manner in which I submitted the apartment keys at XX/XX/2021 at XXXX and the gate and mail box key XX/XX/2021 at XXXX accordingly. 

sincerely,
Product: Credit card or prepaid card

On XX/XX/XXXX American Express Bluebird was doing systen updates and having trouble which I was unaware of at the time. During these system updates/failures I tried using my Bluebird debit card at a store, my transaction declined and I was unable to get my merchandise. Confused, because I knew I had plenty of money I tried signing onto the app, the app was down. Next ( within mins of leaving said store ) I went to an ATM to withdraw money, I tried to withdraw {$300.00} but was told I had insufficient funds and could not do so. About a half hour after this hsppened I was finally able to get online and check my balance and transactions. Thats when I realized I was charged for the store transaction as well as the ATM Transaction. I called the bank and was told It happened to msny people not just me but that I would have to dispute those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to have the issue fixed. Ive had to ask twice to have them send it to the correct email!
Product: Credit card or prepaid card

On or about XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX via XXXX requesting pricing to install pavers in my back yard. 

We agreed to the terms, see attached As shown on the invoice they asked for a deposit to cover the materials I paid {$1100.00} to the company for the materials On XX/XX/XXXX XXXX XXXX XXXX   XXXX showed up at my house and proceeded to prepare the yard for the pavers. Soon after their arrival it appeared XXXX XXXX XXXX XXXX was not planning to level or prep the ground as they had told me they would. When I questioned their plans one of the crew said that was not what they planned to do and said if that what you want we quit and walked off the job. 

XXXX XXXX XXXX XXXX walked off the job leaving their trash but did not deliver the materials as per the invoice. 

I filed a dispute with Citibank on XX/XX/XXXX provide them complete details. 

On or about XX/XX/XXXX I receive a letter from Citibank denying my claim stating the dispute was about the quality of service. 

On XX/XX/XXXX I call and waited on hold for ~one hour. I spoke with XXXX who informed me that once a decision was made they would not revisit the matter even if they made a mistake. After multiple request to escalate XXXX said someone from their investigations department would be in touch within two days. I have not heard back from Citibank. 

I do not know how Citibank could come to a conclusion that this was a quality of service issue given I did not receive any services. 

As with most construction jobs the up front money is for materials and the person receiving the service holds money until the job is complete and satisfied. 

My dispute was that I did not receive the materials that I was charged for and that were spelled out on the invoice. The invoice is clear the deposit is for materials. 

Citibank has made a mistake in their decision, this is clearly not a quality of service issue and is providing no recourse to resolve this matter.
Product: Student loan

Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.
Product: Credit card or prepaid card

XX/XX/XXXX I received a credit card in the mail from Wells Fargo - that I never asked for. On XX/XX/XXXX I called them to ask why XXXX they said it was because I'd applied for financing and if I cancelled the account I might lose the financing. I had applied for financing through the XXXX XXXX XXXX in XX/XX/XXXX for plumbing services. The XXXX XXXX XXXX confirmed that they are not involved with Wells Fargo. I called back to Wells Fargo and was told that they would cancel the card and the account. This is phishing! Another underhanded way they are trying to drum up buisness.
Product: Credit card or prepaid card

My Citizens Credit card ending XXXX was used fraudulently from XX/XX/XXXX- XX/XX/XXXX. I reported the transactions over the phone. Then, one week later I got a mail saying that my fraud claim was resolved. The letter contained only one transaction. I called again to check the status of the rest of the transactions, I was told that the initial agent who submitted the claim selected all the transactions but forgot to submit the rest and she only submitted one of the transactions and that was resolved. Then, the second agent told me that he would open a new claim and submit the rest of the charges on XX/XX/XXXX. Then, on XX/XX/XXXX, I got another claim saying that " We completed our investigation of the following claims : and based upon our investigation we have concluded no error occurred. '' I called the fraud department again after getting that mail, and they told me that they only report fraud, but the claims department makes the investigation and decision. They tell me that that department doesn't have a phone number and they would send an email. Also, agent XXXX told me that the second agent also made a mistake and he chose my card as it was in my possession. I guess that's why my claim was denied the second time. 

Then, on XX/XX/XXXX agent named XXXX from Claims Department called me and he acknowledged the both agents made mistakes and he told me that he would refund me the charges. Next day all the charges were refunded to me. However the other next day all the credits were reversed. 

After that, I have been sending call back requests from the fraud department, but no one calls me back. 

All the charges are still on my account and all the credits are reversed and I am rebilled. I am trying to reach XXXX from claims department,

but he doesnt call me back. There is no one to talk to about this and no way to reach the claims department. We have sent several emails but nothing back from them. I did not make these transactions. Please credit me back the transactions.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Debt collection

Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( COMPLETE PAYMENT RECOVERY SERVICES, INC-XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to Ms. XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from XXXX XXXX XXXX  to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called XXXXXXXX XXXX XXXX Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!
Product: Credit reporting or other personal consumer reports

Equifax : XXXX XXXX -Closed account is reporting false information, I have the right to question the information you are reporting enclosed is a list I request or remove this account. Please note I am aware that the CFPB has there eye on you for false or incomplete reporting
Product: Credit card or prepaid card

A teacup puppy was offered for sale for {$600.00} on XX/XX/XXXX. I paid the purchase price asked, which included taxes and fees. I paid a total of {$620.00}. Later, they wanted more than double the purchase price for me to receive the puppy  via air transport. When I declined and asked for my money back there was no response. XXXX XXXX XXXX is the name of the website. They still have the same puppy  named XXXX listed for sale. All I want is my money back. I have also messaged XXXX at Paypal twice with no response. His name on Paypal is XXXX XXXX XXXX. Fortunately the purchase was through my XXXX XXXX and not my bank account. Beware of these scammers at XXXX XXXX XXXX advertising teacup puppies!
Product: Credit card

I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.
Product: Credit reporting or other personal consumer reports

XXXX loan servicer a third party debt collector is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, experian and even XXXX  prior to XX/XX/year>! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
I sent many dispute letters via certified mails and they are NOT RESPONDING!! and violate the cease and desist notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the debt, I am requesting that XXXX and all credit bureaus to remove this CLOSED account immediately from my credit reports that is causing damage to my name and credit worthiness. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.