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

A creditor from 9 years ago levied my bank account so I tried to set up an account with Experian.com, view any other outstanding debts on my credit report and make sure all old debts were paid. I had trouble doing so and Experian told me I already had a paid credit report account with them, which I was unaware of. When I finally got to see my credit history I was dismayed to see @ $ XXXX in unpaid debt but further disturbed that someone had been paying to see my debt for two months. Someone was paying @ $ XXXX/month and had used my name, ss # and DOB, an email I have never seen, a fake phone number and fake security questions to obtain ( 4 ) bi-monthly credit reports on me. I contacted Experian.com and they reconciled the account so I could see the fake information which included the last four digits of the credit card on file which was being used to pay for the account. Experian told me they could not release the name associated with the card. I filed an FTC ID Theft Report and tried to file a police report but was informed since no money had been stolen there was no crime. Experian.com amended the fake account so that I could see information about the unauthorized creation of the account but they could not provide me the name on the credit card of the individual who created the account, only the last four digits of the card and expiration date. Credit report information on me was illegally provided from Experian.com to an unknown individual on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, 2017. The information in my credit report was visible to the thief and a link mailed to an email address. I did not open or authorize this account, and I requested information regarding the individual who did open the account verbally from Experian.com on XXXX XXXX, 2017 and sent written request of such information on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I receive a notification of a XXXX XXXX credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called XXXX XXXX XXXX XXXX to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking XXXX to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what XXXX XXXX XXXX XXXX is doing to me.. Please help me.. 

Equifax Confirmation numbers 1. Disputed Conf # XXXX 2. Disputed Conf #  XXXX 3. Disputed Conf # XXXX
Product: Debt collection

This is the second complaint I have had to file against Optimum Outcomes. I requested debt validation as well as a signed HIPAA release form regarding an account that popped up on my credit report that I had no knowledge of and did not receive a response. A certified letter was sent on XX/XX/XXXX to Optimum Outcomes XXXX XXXX XXXX # XXXX XXXX XXXX, IL, XXXX. In the original response from the company in the complaint they stated I never mailed them a letter- please see the attached receipt of certified us postal mail with the correct address. 
On XX/XX/XXXX the company sent me a letter in response to my complaint on XX/XX/XXXX stating they have reviewed my account and it is valid without sending any proof other than a reference number, balance, date of service and provider. I requested legal proof of the debt as I dont know where it came from. By law in the fair credit reporting act the company must provide either a breakdown of charges or something with my signature and they failed to produce either within the legal allowed time. It has now been nearly 90 days and still no validation or follow up from my certified letter. The company is in violation of my legal rights to have information fairly reported on my credit report. Please see the attached documents.
Product: Debt collection

XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX, XXXX, and TransUnion regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent multiple letters to the XXXX XXXX XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. In these letters, I requested that the XXXX XXXX XXXX confirm the validity of the debt and cease collection efforts as required by applicable state and federal laws. Despite my requests, the XXXX XXXX XXXX failed to respond to the letters sent on XX/XX/2023, and XX/XX/2023. Moreover, they continued to report the debt to the credit bureaus, which I believe is a clear violation of my rights under the FDCPA and the FCRA for their failure to verify the debt, cease collection efforts, and for inaccurate reporting. on XX/XX/2023, I called XXXX XXXX XXXX in regard to their failure to respond to my letter and they sent me a via email with nothing I have asked from my validation letter and was past the 30 days time frame from XX/XX/2023, when I first asked for them to verify the debt with me. 

Furthermore, I have evidence from the XXXX XXXX XXXX XXXX XXXX XXXX  reviews showing that the XXXX XXXX XXXX has engaged in similar practices with other individuals. They have consistently failed to send validation of debt or respond to validation requests, failing to follow the guidelines set forth by the FDCPA and FCRA. 

In addition to these violations, I have been unable to obtain my free credit reports from XXXX and TransUnion via XXXX for the past XXXX months, which is a violation of my rights under the FCRA. This inability to access my credit reports has further hindered my ability to address and correct inaccuracies. I also want to point out that in my credit report XXXX XXXX XXXX has XXXX different addresses and phone numbers on my credit report and none of those addresses/phone numbers matches the address or number they have on their website which is inaccurate and confusing to me I kindly request that the CFPB investigate these violations of the FDCPA and FCRA by XXXX XXXX XXXXXXXX XXXX XXXX, and TransUnion, and take appropriate actions to remedy these issues. Additionally, I request that appropriate enforcement actions be taken against the XXXX XXXX XXXX for its continued violations, as demonstrated by the evidence provided. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including my certified letters to the credit bureaus and XXXX XXXX XXXX, as well as their responses, and evidence from the XXXX demonstrating their repeated violations.
Product: Credit card

I HAVE A CHASE CREDIT CARD. A FEW DAYS AGO I OPENED A CHASE PERSONAL CHECKING ACCOUNT ONLINE AND EVER SINCE I DID, I'VE BEEN LOCKED OUT OF MY ONLINE ACCOUNT. I CAN NOT LOG ON TO MAKE A PAYMENT. AS OF TOMORROW, I WILL BE LATE MAKING MY PAYMENT AND I'M NEVER LATE MAKING MY PAYMENTS. I'VE CALLED THE NUMBER IT SAYS TO CALL WITH THE MESSAGE SAYING THERE'S SUSPICIOUS ACTIVITY BUT ALL THOSE IDIOTS DO IS KEEP PASSING ME FROM ONE PERSON AND DEPARTMENT TO ANOTHER NOT GETTING ANYTHING ACCOMPLISHED. I'VE TALKED TO NUMEROUS PEOPLE IDENTIFYING WHO I AM AND ALL THEY DO IS TRANSFER ME TO ANOTHER PERSON TO IDETIFY WHO I AM. I DON'T HAVE TIME FOR THIS XXXX XXXX!!!!! ALL THEY DO IS KEEP TRANSFERING ME THAT'S IT!!! MY ACCOUNT IS LOCKED. I CAN'T MAKE A PAYMENT AND I'LL BE XXXX IF THEY REPORT LATE PAYMENTS TO THE CREDIT BUREA BECAUSE OF THEIR XXXX
Product: Bank account or service

I applied for Citigold XX/XX/XXXX and was told I would receive XXXX XXXX bonus miles after I met some purchasing requirements. So I met the requirements in XX/XX/XXXX, and was told miles would post by XX/XX/XXXX. XXXX did n't post, investigation started was told I was n't targeted. I had Citi open another investigation, but it was denied again. I think it is not fair, since Citi should tell me the result when I open the account. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and found a hard inquiry on my XXXX credit report from Marlette XXXX XXXX that I did not recognize or authorize.
Product: Debt collection

Trying to collect a debt and it was a charge off on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2021. There was an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

When Zelle started I had numerous times small to large transactions that did not have company names remove money from account. Thinking it was a purchase made I spent a deal of time back tracking purchases but there has been a lot of times I have not found resolution because company names did not make sense. There a have been times where the bank has stopped transactions but if it went through already there was no help.
Product: Debt collection

** Out of network XXXX  assistance XX/XX/XXXX by XXXX XXXX was not authorized. Any bill is invalid. ** XX/XX/XXXX Date of service. XXXX XXXX of XXXX XXXX XXXX claims to have performed XXXX  assistance. [ I never saw him, never talked to him, never authorized him to do anything ] He billed my insurance XXXX and was denied because he is out of network. I never authorized him, only the primary XXXX who was in XXXX network. 

XX/XX/XXXX - received {$270.00} bill.Talked to XXXX XXXX, billing manager XXXX XXXX XXXX, disputed bill and requested documentation of my authorization for the service. No response. 

XXXX No contact from XXXX XXXX XXXX. 

XX/XX/XXXX - Unpaid bill reported to credit bureau. 

XXXX No Contact by XXXX XXXX or collection agency. 

XX/XX/XXXX - Noticed lower credit rating. Called XXXX XXXX XXXX billing about dispute. Phone rep told me the collections agency is Capital Accounts and took a note for XXXX, Account Manager, to call me back. Also said Provider, XXXX XXXX picks up messages once a month. 

XXXX No contact from XXXX XXXX XXXX billing or XXXX XXXX. 

XX/XX/XXXX - Dispute letter sent to Capital Accounts. Responded only with a bill, no documentation that authorized the billing. 

XX/XX/XXXX - Submitted Texas Department of Insurance complaint. 

XX/XX/XXXX - second letter to XXXX XXXX XXXX - XXXX XXXX, requesting removal of credit bureau filing to clear my credit because he has been unable to support bill with any response or documentation.
Product: Credit card

I opened Master Card credit card account with Citibank on XXXX XXXX. On XXXX XXXX I received e-mail from Citibank with " welcome offer '' for new cardmember to open XXXX more card account with attractive terms - XXXX miles bonus after spending {$3000.00} within first 3 months of account opening. 
So, I applied for the new card on-line, get it, fulfilled required terms ( spent {$3000.00} within 3 months ), but did n't receive XXXX miles to my XXXX advantage account. To resolve this issue I called to the Citicard Customer Service several times. 
Finally they told me that I 'm not eligible for this reward because you 've already get one within the previous 18 months. 
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about " 18 months rule '' 2. No one document that I got ( welcome offer, online application form, Credit Card Agreement and benefits brochure ) contains the " 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product.
Product: Checking or savings account

On Thursday, XX/XX/2021, I received three ( 3 ) email confirmations for a Saving account opening at Well Fargo. I immediately called Wells Fargo and the account is being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX XXXX and Chapter 7 Bankruptcy XXXX
Product: Checking or savings account

Sofi Bank accepted an electronic payment from XXXX which was addressed to my sons that I have on my account as beneficiaries. These funds were held for a year and my account frozen. Only after contacting CFPB and filing a complaint they made any effort to reverse these funds and close the account. The account was finally closed last month and sofi claimed they reversed the funds of {$9800.00} back to the remitter. As of today XX/XX/year> The remitter still has not recieved this ACH payment which shouldn't have taken more than a few days. It's been over a month! Now they claim they need to investigate. This bank is horrible at commination, and leaves customer in the dark with little to no information. I need to know where these funds are, I don't see why they can't track these funds with the transaction # and resubmit this money so we can end this nightmare. I don't suggest anyone open an account with this bank!
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CLEAR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Bank account or service

Over the course of three months, I discovered I had {$14000.00} worth of fraudulent charges on my debit card. I notified Bank of America and they refuse to cover it. I had been seeing a woman during this time and it turns out that she was the one who was running up my debit card. I have filed a police report, submitted time sheets that prove that I was at work when some of these charges were made, and I even submitted a transcript of text messages between her and I where she admits that she was the one who charged up my cards. Bank of America has covered {$3800.00}, but wont cover the other {$10000.00} ( not including international fees ) and wo n't explain to my why they covered part of it but not the rest. I have made multiple phone calls ( at least 25 or more ) into the bank, and requested on every single call that I speak to an 'investigator ' ( the decision makers when it comes to fraud ) and have never once gotten a call. But when I speak to the fraud department, I have been told everything from they wont cover it because the charges were made from my IP address ( i would let her stay at my house when I went to work, I keep all of my debit and credit cards as well as all my passwords in a drawer at my desk in my home office ) to one rep telling me that because I let her stay at my house without anyone there, I was technically giving her permission to use my card-I NEVER gave permission, to one rep telling my that yeah the bank should cover it but it was n't up to him or his department. These are multiple charges that happened over the course of three months to place like XXXX. I cant even read the merchants name. Yet BofA tells me that their security team called or someone called in to justify these charges. my neighbor tells me that this woman had visitors while I was at work. But Bank of America NEVER called me to ask about any of this. They just refused to fight on my behalf even though I have submitted paperwork proving I did not authorize these charges. What I do n't understand and what they refuse to explain to me is why they covered some of the charges and not the others? They were all fraudulently charged without my permission!
Product: Credit reporting or other personal consumer reports

its been over XXXX days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible
Product: Debt collection

This bank is trying to collect from a vehicle they sold to a private party after denying my insurance claim in regards to loss of income, a benefit I had paid for 1 year. when it was time to use it they denied me. They are not reporting correct amount as a result I have spoken to an attorney however he has not been hired yet. I am considering hiring him soon. I have asked XXXX XXXX to remove this company from my credit report due to their insufficiency in regards to the amount. This debt collector has inquired more then 3 times in less then a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the applicable provisions of the federal and state Fair Debt Collection Practices Acts and the federal Fair Credit Reporting Act, this dispute to the inaccuracy of the following item posted, which is incorrectly attributed negatively to my credit reports : ( 1 ) Account Name : XXXX XXXX XXXX ; Account No. : XXXX. Appears on my credit reports as a late payment in XX/XX/2022. However, that I was never late in making this payment as his mortgage account was being transferred to a new servicer and he indeed timely paid over the phone. However, the servicer who took his payment had a glitch which resulted in XXXX XXXX payment not going through. Upon discovering this, he immediately made another payment. But a late payment was nevertheless Reported to the credit bureaus even though this was not my fault. It was the payment system and the representatives of Chase fault. Therefore, at this time, I hereby dispute the accuracy of this late payment and demands that you immediately remove this late payment remark from my credit report. 

Incorrectly reporting this item by Chase is what predatory lenders that degrade communities and borrowers ability to maintain great credit to stabilize communities and neighborhoods.