23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report.XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  I, I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Product: Debt collection

I was never notified of a debt. In fact, I am not sure the debt is even accurate as I cancelled my auto insurance policy with XXXX at the end of the term and switched to another XXXX. I was never notified by XXXX or CSS. I just got notified once the collection was reported to the credit bureaus. I then called XXXX  as soon as I saw it on my credit report and paid the full amount, even though they never stated what it was even for. XXXX said they sent XXXX letter via XXXX mail, I never received it. CSS never attempted to contact me at all. Had anyone reached out to me, I would have paid this off, as I did as soon as I learned about it from my credit card company who monitors my credit. I believe CSS is using unfair tactics by just reported to the credit bureaus without any attempt to contact me. Furthermore, I paid XXXX  and believe that CSS reporting to the credit bureaus is inaccurate as I never heard from them, called them or dealt with them so they should not be reporting anything since no transaction or communication was had with them and their was no debt owed to them since XXXX was paid.
Product: Credit card

I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. 

I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. 

Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX XX/XX/XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing an open account with a charge off.

I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments but it was in good faith. In XX/XX/XXXX, I lost my job which devastated me and I wasnt able to maintain by trying to make ends meet. 
I struggled to maintain my financial obligations and had late payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score.

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Social Security # XXXX DOB : XX/XX/XXXX XXXX LVNV Funding Resurgent Capital XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account in my name stolen identity XXXX XXXX  /XXXX XXXXOpen XX/XX/18Amount XXXX
Product: Debt collection

WELLS FARGO & COMPANY said I owed them supposedly over {$250.00} for some checking account that was opened sometime in XXXX. I opened no such account.
Product: Money transfer, virtual currency, or money service

On multiple occasions id have unauthorized transactions showing on my account, for example : one occurrence, i had an issue with a rental transaction that i disputed. They credited it back to my account 2 days later only to leave me negative the following day. Never following up with me to explain. Never informing me of a contact number to discuss the transaction. They later deactivated my account saying that i could no longer use my cashapp because i was going against terms and conditions!
Product: Debt collection

This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA
Product: Credit reporting or other personal consumer reports

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same. 

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY. 

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof with written documentation and recorded conversations where I was specifically told dates to get a payment in and also had three deferred agreements where XXXX stated the payment would show on time. 

As seen in the documentation it shows my payments yet they are still reporting late payments on my account.
Product: Credit reporting or other personal consumer reports

I have repeatedly notified EXPERIAN that they have violated my Consumer rights multiple times under 15 USC 1681 ( B ) ( C ), 15 U.S.C. 1666b ( a ), 12 CFR 1016.4a and 15 USC 1602 ( b ) just to name a few, and have requested for them to remove the disputed items which are in direct violation of my rights as a consumer, and they have refused to respond or acknowledge my request. I have sent all notices via certified mail, both to the CEO and the dispute department, requesting them to resolve this unlawful violation within 15 days, and no response has been given. These credit bureaus seem to think they can just violate our rights at will, and then ignore us when we attempt to lawfully hold them accountable for it. Congress put the United States Code and Uniform Commercial Code in place for this very reason, to protect consumers from corrupt corporations such as EXPERIAN trampling all over our rights in order to create a monopoly over credit scores. This is both unlawful, unconstitutional, and most importantly, unrighteous. 

The disputed items are : HARD INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act convergent Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 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

Discover acct # XXXX I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.
Product: Credit card or prepaid card

Okay I logged into my credit reports and noticed an account name Barclays it has a balance of {$XXXX} it is under credit card accounts. Ive never had a credit card with this company and I havent opened any accounts in 2019 as it states it was opened XX/XX/2019 which is the year my identity was stolen.
Product: Credit card or prepaid card

Dear CFPB rep, I tried to rebuild my XXXX XXXX by starting a deposit secured credit card. By using the deposit secured card i didnt know if I used more than a certain percentage of my limit it would lower my score significantly which it did. I closed a Discover account that was my own money secured credit card on XX/XX/XXXX. At that time I was fully paid with zero balance. I received a statement early XXXX that reflected my deposit was repaid when in fact it was not. I contacted them and they said the check was sent and they would call me back with info. I requested they not cancel any check sent to me and to give it time to arrive by mail. It did finally arrive on XX/XX/XXXX. I deposited the check in my bank but now my bank has rejected the deposit as the check did not clear on Discovers end. Now at a critical time of personal liquidity issues, my Bank has taken away my {$200.00} as the Discover check was bad and charged me an additional {$15.00} fee. 
It took them over 2 months for them to send me my deposit back and have stopped payment or given me a bad check. 

Please help me get my money and punish Discover as this can not be legal. 
Very disappointed as the wolves are guarding the sheep. 
Regards, XXXX XXXX
Product: Mortgage

I am a XXXX XXXX veteran and I am ever since Freedom Mortgage took over the mortgage service, my payments have been all over the place and create lot of confusions. I am not sure what s going on but as requested again and again, I have attached all the documents for a new escrow analysis to be done so I can get my payment back to prior the transition. 1. I am fully exempt from property taxes 2. I have flood insurance since last year 2024 paid in full. I have sent all these documents previously to different representatives and my monthly payments have not been corrected as promised. I need someone to help fix these issues and properly adjust the payment. I am also requesting a full refund of the difference paid for the month of XXXX. I was charged {$2500.00} when I was only supposed to pay my regular monthly mortgage payment of {$1600.00}. Now they are telling me they are going to work on it but if they don't finish their work on time. I will be responsible for the late payment after I told them I do not have an extra {$800.00} to pay on top of my original mortgage payment. I have been trying to fix the issues for over a month but every time I called, they said XXXX thing but nothing is fix due to miss communication among themselves cause a lot of time wasted.
Product: Debt collection

This was many of the credit cards that were opened without my consent. I was a victim of Identity theft and it 's been a huge problem trying to get everything settled. I called many times and even visited branches for Capital One, XXXX, and XXXX XXXX to inform them that whatever was opened was not with my consent. Instead of them helping me out and checking what my options were I was told 'They must of got a hold of the information somehow '' and was asked " Are you sure you did n't give out your information? '' I have never opened up any credit cards to avoid this exact reason. Instead of helping me out, I was basically talked down and to ask around if my family members were the one 's that opened up the accounts. Around that time I just turned XXXX years old, I was in school and had no time to open up any credit cards. I need go get this resolved. This company has 4 accounts open. All of which I have attempted to resolve this issue with the companies without any success. I advised them that this was all Identity Theft. XXXX XXXX : {$990.00} Capital One : {$620.00} XXXX : {$340.00} Capital One : {$220.00} Total : {$2100.00}
Product: Debt collection

i have tried contacting origin al Debtor the will not give me any information or work with me on providing any proof that this is my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy. 

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Mortgage

I made multiple payments towards the principal of my Wells Fargo loan account and I didn't see a significant difference in the loan amount. My escrow account has more than doubled. I asked for the account to be closed however, I have been getting the run around with Wells Fargo Mortgage representatives. I keep being told that the request was being placed in the computer has we spoke to later call and was told there was no request placed in the system. I'm asking an investigation into my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terms are listed as 1 month but that was not the agreement made XXXX XXXX XXXX XXXX FCRA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors Terns are listed as 1 month but no agreement was made
Product: Credit card or prepaid card

My card was lost, so I contacted Aspire for a replacement card and requested express shipping for an additional {$25.00}. I was charged the {$25.00} and told to expect my card within 3 days. Eleven days later I received an envelope from Aspire, standard presort mail, that contained a card that was not mine. It was one of the users on my account, but not the card I requested for replacement and not shipped express. I contacted Aspire and asked that they refund the {$25.00} and send me the correct card. Aspires representative informed me that they will not refund the {$25.00} because I was shipped a card, even though it was the incorrect card and shipping type. They then offered to send me the correct card, for an additional {$25.00} payment.
Product: Debt collection

Radius Global Solutions contacted me XX/XX/XXXX by email about a debt. I told them the following : Good evening My name is XXXX XXXX I have no knowledge of this debt. So could you please send me the following to the address you have on file. I will need a copy of the original application with my signature, along with the payment history so I can see how you arrived at the amount, the purchase agreement that shows I am the legal owner of this debt please include all the terms and conditions that are included in the purchase agreement and shows that you are authorized to collect on this debt.Please send this information to the address you have on file. Please do not call or email me again or you will be in volation of the FDCPA. I will need this information within 30 days of you receiving this letter. 

Thank you XXXX XXXX XX/XX/XXXX I never received this information from on today XX/XX/XXXX I received a call from a woman stating that she was calling from Radius Global Solutions and started asking personal information I told her I was not verifying anything and that I asked that they not call me and mail proof of debt and hung up. 
She called from ( XXXX ) XXXX
Product: Vehicle loan or lease

I filed a complaint with CFPB which Ally closed but the issue has not been resolved. As of XXXX/XXXX/XXXX their fraud department updated me that they confirmed my identity for the fraudulent loan based on my identity documents I submitted. However, the individual using my social security number to open the loan has not complied and has not responded to their requests to confirm his identity. Ally said they are still investigating the matter, but they will likely let the individual keep the automobile and loan because he has been making payments. I asked for written proof that my social security number is dissociated with this fraudulent loan and removed from my credit profile, which I was told they would not do. Ally said they will not provide anything in writing to prove that they have taken steps to dissociate my information from this fraudulent loan and that they can only give me their word. I do n't find this a legitimate manner of doing business and do n't understand how they can deny providing written proof that they will do what they are stating on the phone they will do. I question their underwriting process that allows them to approve auto loans when 2 individuals with different names are listed under the same social, especially since I have a fraud alert on my credit file.
Product: Money transfer, virtual currency, or money service

I had an account on Cash App and when I logged in, it would not allow me access. I called for assistance and they stated they were unable to restore my account. In order to get the money out of the account, they would need to transfer it to another Cash App account. I gave them my other Cash App account to transfer to and they stated for security reasons the " system '' won't allow the transfer. I asked why and they were unable to tell me why. I asked to speak to someone higher up and was told they would " email me ''. I had {$480.00} in the account that I need transferred to me ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have looked at my credit report and I have noticed fraudulent auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 USC 1692e false and misleading representation DELETE THIS FRAUD ACCOUNT THANK YOU