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

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXXExecutive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Experian credit file. This credit file still shows 4 fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX / # 2- XXXX XXXX XXXX XXXX XXXX ND XXXX / # 3- XXXX XXXX XXXX XXXX XXXX MA XXXX / # 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 2 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX AND # 2 XXXX ) and 2 fraudulent contact/phone number ( XXXX + XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Experian is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a report # XXXX from Experian stating : " In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below ''. The letter I sent to XXXX XXXX / Executive Office clearly states that I have attached a copy of a utility bill. Also, I attached a copy of my license, a police report, a notarized personal statement and 2 FTC identity theft reports on XXXX. 

Third, the resolution I am seeking is for the remaining fraudulent addresses, phone/contact numbers and accounts listed in the first paragraph above be immediately blocked. As well as the extended fraud alert be immediately removed. 

I have attached supporting documentation to this email which I will gladly use to file a case in XXXX Municipal Court and contact all local news channels should Experian refuse to block the fraudulent information above.
Product: Checking or savings account

To whom it may concern, I am writing to report multiple fraudulent ACH withdrawals totaling over {$5000.00} deducted from of my personal checking account by Fineday Funds ( Eagle Lending , LLC dba Fineday Funds ) located at XXXX XXXX XXXX, XXXX, WI XXXX, at phone number ( XXXX ) XXXX. I have never done business with Fineday Funds, nor heard of the organization prior to these fraudulent withdrawals from my account. I have never received any product or service from Fineday Funds and did not authorize money to be taken from my account by Fineday Funds. 

On XX/XX/XXXX, an ACH withdrawal appeared on my XXXX XXXX  XXXX checking account for {$2500.00}. The entry on the bank statement reads as follows : FinedayFunds XXXX XXXX XXXX : XXXX XXXX CO XXXX XXXX XXXX XXXX on XX/XX/XXXX, another ACH withdrawal from Fineday Funds for {$2600.00} appeared on the same account. The entry on the bank statement for this transaction reads : XXXX HOLD Fineday Funds DB ONLINE PMT ON XX/XX/XXXX I have reported both of these transactions to XXXX XXXX  XXXX, but as there have now been two transactions over two weeks totaling over {$5000.00}, I am requesting that this matter be investigated by the CFPB so that Fineday Funds is not permitted to continue committing fraud at my expense. 

Additionally, I contacted Fineday Funds by phone today to attempt to resolve this matter. They were particularly unhelpful over the phone, requiring that I send them documentation of the fraudulent withdrawals instead of beginning to investigate the matter over the phone with me. 

I look forward to prompt investigation and resolution of this matter in addition to investigation of Fineday Funds ' apparently overly lax identity and/or bank account verification practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late charges.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit report, but this time, I was shocked to find unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This is incredibly frustrating, and I need this issue resolved immediately. Please review the documents I have submitted thoroughly so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts or applying to these accounts. 

Dear XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Transunion 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 or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2023 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports Fraudulent Account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have fraud protection with my business checking with Regions. I never received any fraud alerts from Regions related to the Steam purchases which I could have stopped if I had been alerted. I only received XXXX fraud alert related to the XXXX attempted purchase which I denied as fraud. I never received any fraud alerts related to the fraudulent Steam purchases which is shocking given the total purchase amounts. In addition, Regions does not send me monthly hard copy statements so there was no way I could stop these charges but Regions certainly could have by sending my text alerts about these purchases which it never did. I expect every cent that was stolen from my account returned by Regions. Regions has violated by banking rights and are solely responsible for allowing my money to be stolen. I discovered this fraud and theft in XX/XX/XXXX and the fraudulent purchases appear to have been ongoing since at least XX/XX/XXXX perhaps beyond that as I have asked for my XXXX statements and Regions has not provided them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to report a fraudulent account on my credit report. I have tried numerous times to get them to comply with the FCRA block section but they refuse.
Product: Money transfer, virtual currency, or money service

I created a Venmo account in XXXX of XXXX  so that my cousin could pay me money she owed me. My account was then frozen by Venmo with {$270.00} in my account and they would not give me a real reason why they froze my account. I have contacted them numerous times and they refuse to answer me, and have stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute and the credit reporting agency said they investigated with a third part witch they could not have because I have a security freeze and have documents to prove it and the court doesn't not report to credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor of XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.
Product: Student loan

i keep calls from allied interstate saying i owe a student loan from XXXX yr ago. but the loan does not have my ss # on it. XXXX XXXX the person i spoke with stated that she looked on my credit and she would change the ss # to mine because it was a typo. i explained to her that i had paid my loan that i had. she stated that they were going to garnish my wages. i do n't know how they are going to do that when that is not my ss # .i am tired of these people calling and treating me. The school is no longer in business and the director was arrested on fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint prior to this one with no response. In the interim my wife and I can not secure credit for new family projects due to the credit information being provided by EQUIFAX that does not appear on the credit reports of the other two bureaus. Now seems personal and extremely bias/racist.
Product: Credit reporting or other personal consumer reports

According 15USC 1681 i, a, e, b a consumer is entitled to fair accurate reporting of his credit report. Account XXXX is appearing on my credit report. The account violates FCRA and is posting inaccuracies. Each inaccuracy has a fine of {$1000.00} plus and must be removed from my credit report.

Credit inquiries from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all fraudulent and must be removed from my report.
Product: Credit card

1. Belk store card issued by Synchrony Bank - Payment due on XXXX - {$220.00} 2. Payment was scheduled for XXXX using account XXXX. This was cancelled and changed on account on XXXX  by me. Email confirmation from Synchrony bank at XXXX XXXX is received stating that XXXX is removed. 
3. Payment was scheduled for XXXX using account XXXX and email confirmation was stating that 'Your payment is scheduled ', received at XXXXXXXX XXXX  from Synchrony Bank XXXX 
4. At XXXXXXXX XXXX same day email confirmation from synchrony bank that XXXX is added. 
5. Email Confirmation on Saturday -XXXX XXXX XXXX  stating " Your payment has processed '' is received.

6. Email on XXXXXX/XX/year> XXXXXXXX XXXX stating that 'Your payment is canceled ' ( from XXXX ) is received without any reason being assigned. I did NOT cancel that and the proof is that on XXXX ( next day ) email at point # 5 clearly states that payment has processed. 

Synchrony bank has deceptively and unfairly charged {$29.00} to my card and my explanation on phone was ignored and the supervisor XXXX was not even willing to acknowledge the events chronologicall and disowned and dismissed all the emails.
Product: Vehicle loan or lease

On XX/XX/XXXX my mom passed away she had a loan on a used car and there was no insurance to satisfy the loan when she passed away so I the executor of the estate took over the payments since that time I've had 3 different representatives from XXXX XXXX tell me that I can continue making payments with no problem now all the sudden this account specialist,, her name is XXXX told me that they can't do that anymore and I have to return the car because my name is not on the loan I am unable to obtain financing at this time but I continue to make the payments so I do not see the issue of keeping the car because the endpoint here is that XXXX XXXX just wants their money they don't care about the car they just want the money. Is my only vehicle my only Avenue to work and back
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX mistakenly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but TRANSUNION did not for more than 30 days. None of my accounts are delinquent but they are showing them that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : XXXX, Account name : XXXX, reporting on XXXX, XXXX, and Transunion has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  XXXX and Transunion has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

XX/XX/2018 I Bought a refrigerator from Lowes. They promised me same as cash with no interest for 12 months. 

They actually did not provide this purchase method. They instead converted my transaction to 5 % off without my knowledge. 

As soon as I saw this, I contacted them to change it. Customer service would not change it. 

I moved and told Lowes my mailing address. They continued to mail the bills to the old address, which caused my bills to be overlooked or late. 

I paid as agreed, but it was late some months. They charged huge late fees and then closed our account. 

I continued to request they change our address. They never did until after 3 attempts. 

In this way, they put too much interest on the account and too many fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ability Recovery Associate for {$930.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ability Recovery Associate did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$930.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Product: Debt collection

Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.
Product: Debt collection

I have no knowledge of a debt this company has been reporting to the bureaus for 2 months with no information from them whatsoever. I only was made aware by my credit tanking. 
I have called, emailed, and disputed with XXXX but they do not respond and continue to report.
Product: Credit reporting or other personal consumer reports

XXXX equifax and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit
Product: Debt collection

I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. XXXX XXXX XXXX for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for Receivables performance {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX wa XXXX. 
Froze reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to XXXX XXXX  Consistently and in XXXX the confirmed that I owe 240000 or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that XXXX XXXX, a subsidiary of XXXX, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went into the bank to apply for a loan. I was denied because when they pulled my credit profile the information that was showing belonged to my brother XXXX XXXX XXXX which included his SSN and DOB. Then I spoke with someone at XXXX consumer credit report and was informed that my Date of birth was incorrect. The incorrect date of birth reported was XX/XX/XXXX. They also told me I had a XXXXXXXX XXXX account in my name for {$240.00}. I paid that bill on XX/XX/XXXX. My correct Date of birth is XX/XX/XXXX. I have sent in the following documation to all 3 credit companies XXXX, XXXX and Transunion my Birth certificate, Social Security card, Identification card, along with Bank statement with proof of address. On XX/XX/XXXX I sent certified mail to all three Credit companies and still have not received no information. I have a tracking number for the mail I sent and the documents have not been signed for. they have been sitting at the postal office since XX/XX/XXXX. They are required to provide a signature when they are picked up. No one has picked up these documents from the postal office as of today. When I call the numbers to speak to someone I get a foreign who can barely speak proper XXXX and continue to tell me to call back they have not received the documents. When I go on annual credit report and put in my information my brother credit profile comes up instead of mines. I do not have any credit in my name but I can not apply for anything because his information is on my profile. Attached to this complainant is proof showing when I pulled my credit report. This should not be happening Track Number for all credit companies : Transunion XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Mortgage

I have filed this complaint with wells Fargo twice. They have not answered my questions. 

Please refer to complaint XXXX and XXXX. There has been no explaination as to the XXXX and what the charge is for. They want me to pay this 12 years after the mortgage was initiated? NO DETAILS of what the fees are for. I want itemized documentation. 

Wells Fargo never confirmed that taxes were owed by owner. Just assumed because they got a notification from XXXX county that taxes were due. When I spoke with Wells Fargo on the phone I was told by one of the 5 people I spoke with that they were billing for XX/XX/2018 taxes. Wells Fargo never contacted me by phone. If they has spoken to the 5 people that I spoke with they would have had my current phone number. These taxes were in dispute because the attached picture was left behind my home causing it to be on the market for 4 years and never selling. If there was ever a next time doing business with Wells Fargo I would just hand them back the keys to the house and let them deal with it instead of being responsible. I am waiting for my explainations as to my original questions that I have listed above. You should have contact with owners. By the way, the paper work you sent was old mortgage info. It was refinanced so again no answers by Well Fargo. I am still  waiting.