23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I close on a home in XXXX weeks! XXXX and XXXX just placed a collection on my account and I have never done business with them or XXXX XXXX XXXX! 

They have never contacted me, written me or signed any agreement with me. Neither company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
Product: Checking or savings account

my bank account was transferred unknowingly to the citizens bank from another bank. 
This bank charged me dormant fee at first. and I suddenly knew it at first So I set up the direct deposit to make sure the there is no dormant fee. 
However, I just found they also started charge the service monthly fee without known. 
My original bank has no fee at all. This is not the bank/bank account I was setting. 
the bank told me this is the paper delivery fee, but I was not noticed at all. Neither it is the default value. Neither it is what originally I set the account with another bank. 
I called the bank, and talked to customer service, agents /superviser, but they refused to refund the money back today. XX/XX/2006. the amount is only totally XXXX dollars though. 
This bank is a robbery. consumers should be aware and away from the bank. 
and this bank should be punished as well. 
A bank grabs accounts from other banks without notifying me and sends no information. 
It also kept charging all kinds of charges without notifying customers.
Product: Debt collection

I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the XXXX XXXX XXXX. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities. 

Recently, I discovered that the XXXX XXXX XXXX has reported that I owe them for XXXX apartment rentals totaling XXXX. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the XXXX XXXX XXXX has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report. 

This wrongful reporting by the XXXX XXXX XXXX is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly. 

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the XXXX XXXX XXXX, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution. 

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$6500.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my dispute was received by TransUnion. They have reported a collection account under the name XXXX XXXX XXXX for the amount of {$1500.00}. I have no idea of this account on my credit report and I believe Im dealing with fraudulent activity of someone having my information because this has happened before. XX/XX/XXXX was my estimated date for my results. TransUnion has still have yet given me a response. I sent out letter XX/XX/XXXX stating they send me verification that the account belongs to me or it would have to be deleted. This is hindering me a lot with is account in collections on my credit report.
Product: Credit reporting

I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.
Product: Vehicle loan or lease

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company ALLY FINANCIAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an Identity Theft problem in XXXX we placed a security freeze on our experian account. I have tried to lift the freeze with the pin provided for my account but the PIN I was given did not work. I then send a certified letter and form as specified on the experian website to receive a PIN. I submitted copies of SS card, drivers license and utility bill and bank statement to their address in XXXX TX as stated on their form which they received according to my tracking number from the US Mail on Wed, XX/XX/XXXX. They have NOT sent my temporary pin and I can not conduct the business I wish to without unfreezing. They do NOT have any way of contacting them except by this P.O. Box so I am held hostage by them. This is absolutely wrong. Please help me to resolve this issue. Thank you for any help you may provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX card ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively. 

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I opened a checking account with Pinnacle Bank on XX/XX/year>. They ran my XXXX report on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I filed a dispute with XXXX and the representative of Pinnacle Bank, XXXX XXXX ( XXXX ) XXXX stated that the information is accurate. 

There should not be 3 inquiries for opening the same checking account. This is not permissible under FCRA. Also, because of these 3 inquires instead of 1 inquiry it lowers a XXXX score, and other financial institutions can interpret it that I opened 3 checking accounts and a risk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was granted access to my information without getting the proper access by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX now.
Product: Mortgage

In XXXX we took out a Home Equity Line of Credit ( HELOC ) with Wells Fargo Mortgage ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) which was recorded with the state of Alaska on XX/XX/XXXX. This HELOC ( SHORT FORM LINE OF CREDIT DEED OF TRUST ) was paid in full on XX/XX/XXXX but the Deed of Reconveyance was not recorded with the State of Alaska until XX/XX/XXXX by Wells Fargo Mortgage. On XX/XX/XXXX we had applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. From XX/XX/XXXX until XX/XX/XXXX XXXX XXXX attempted to obtain a copy of the Deed of Reconveyance from Wells Fargo Mortgage to no avail. On XX/XX/XXXX XXXX XXXX notified us that we were no longer eligible to refinance due to the apparent lien still on our property. Due to Wells Fargo Mortgage 's negligence in recording this Deed of Reconveyance we were unable to refinance our home with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS SIGNED UP FOR SYNCB/BANANA REPUBLIC BANK CREDIT CARD FROM A BANANA REPUBLIC CLOTHES STORE EMPLOYEE ON THE DAY OF XXXX ON 2018 XX/XX/XXXX BY SAYING IT WAS A BANANA STORE MEMBERSHIP I NEITHER RECEIVED THE CREDIT CARD NOR USED IT AND I NEVER GOT A PHONE CALL OR AN EMAIL INTIMATION FROM THE COMPANY ABOUT THE LATE PAYMENTS OF THERE ISSUED CARD. I DIDN'T EVEN KNOW THAT A CREDIT CARD IS ISSUED IN MY NAME
Product: Debt collection

My recent credit report review revealed various accounts that I believe were added without my permission and are erroneous. I demand that these fraudulent accounts be promptly blocked and removed.
Product: Money transfer, virtual currency, or money service

On Monday the XXXX of XXXX, XXXX, I deposited the {$280.00} from Cashapp to my XXXXXXXX XXXX account. Cashapp 's error caused it to triple the deposit into my banking account. The deposit was posted to my XXXX Account and I was unaware of this. I have it set up in my XXXX account to not go negative if the money is not available, and no charges will be processed to my account if the money is not available. Because of the triple deposit, The XXXXXXXX XXXX system thought the money was in there and other charges went through due to the error caused by CASHAPP. Then four days later CASHAPP reversed two of the deposits made electronically to my XXXX account.This caused my banking account to be - {$520.00} on Saturday. Which I had to borrow from someone else to make my account in the positive so I didn't accrue any charges.
Product: Student loan

My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent a total of 23 emails and filed 21 disputes on affirm as they have illegally, fraudulently refused to acknowledge the refund confirmed received from the merchant on XX/XX/2022 for XXXX XXXX loan # XXXX. I attached evidence of the refund from XXXX XXXX 23 times. 
Affirm actually responds by repeated formatted bot emails stating there was no refund issued. Then they have actually closed all the disputes. Of recent they do not even respond, now they automatically close them after I open them. I am astonished at the utter criminal activity of this Affirm preying on the vulnerable and taking advantage of them, and in the process ruining peoples credit. 
How does a company dispute hard evidence that a merchant refunded the full amount? Only a company like affirm. What is sadder is the CEO was heard stating how he started this to help the disadvantaged build their credit. Obviously he meant ruin their credit. 
How this company stays in business is beyond me. Its truly shameful.
Product: Debt collection

I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint, but it is coming back with my name and another name. The other name is XXXX XXXX. It is my understanding that this is effecting both of our credit reports. Can you please straighten this matter out for me?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Spring orks capital llc Acct # XXXX Debt validated letter This letter is being sent to you in Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of the debt you are claiming I owe. I am hereby exercising my right and demanding that you provide me with the following documentation : 1. Verification or copy of any judgment ( if applicable ) ; 2. Complete payment history showing all debits and credits to the account ; 3. Name and address of the original creditor, as required under 15 USC 1692g ( a ) ( 2 ) ; 4. Copy of the original signed contract or agreement that created the debt ; 5. Documentation showing you are licensed to collect debts in my state ; XXXX. Documentation proving you are authorized to collect this debt on behalf of the current creditor ; XXXX. Proof that the statute of limitations has not expired on this debt ; XXXX. Validation that you have reported this debt in accordance with the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1692g ( b ), you are required to cease all collection activities until you provide the requested validation. Additionally, under 15 USC 1692c ( c ), I am requesting that you cease all communication with me except for the purposes of : 1. Informing me that collection efforts are being terminated ; 2. Notifying me that you may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. Where applicable, to notify me that you intend to invoke a specified remedy. If you can not validate this debt, I demand that : XXXX. All collection efforts cease immediately ; XXXX. The debt be removed from my credit reports ; XXXX. A letter be sent to me confirming that the debt has been cleared and collection efforts have ceased. Any violation of the FDCPA or FCRA will be documented and forwarded to the Federal Trade Commission and the Consumer Financial Protection Bureau. I reserve the right to sue for damages under 15 USC 1692k if violations occur. This letter is an attempt to resolve this matter