23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries that are not by my doing and I have accounts marked late which is not correct and accounts that don't belong to me and some other issues detailed in a letter attached
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Finance System of Green Bay intercepted my State of Wisconsin XXXX income tax refund for a debt I do not owe. I made contact with XXXX on XX/XX/XXXX and asked for proof I owe the debt. It has been more than 30 days and I never received any information regarding proof of debt owed.
Product: Credit card

I was approved United Airlines credit card by Chase with an annual fee of over XXXX dollars. After a few month they closed the card and did not refund the annual fee. I asked them to reinstate the account but was told that I do not have installment loan that's why they can not reinstate the account. To the best of my knowledge, installment loan is not a requirement to be approved for a credit card. I have a feeling that Chase intentionally approved the card, charges annual fees, and closes the account a few month later to gain from annual fees.
Product: Mortgage

Date : XX/XX/XXXX To : CFPB From : XXXX XXXX XXXX NMLS MLO # XXXX To Whom it may concern, On XX/XX/XXXX, I was invited to an eight-hour continuing education class for NMLS Federal Laws and Regulations, Ethics, non-traditional mortgage training, and mortgage origination which was to include two hours of CA continuing education, as well. This class was orchestrated and facilitated by loanDepot, Branch Manager, XXXX XXXX XXXX XXXX NMLS # XXXX, ( XXXX ) XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX. The class was held at loanDepots UTC facility at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Approximately 43 loanDepot Mortgage Loan Originators attended and to my knowledge were all credited for the class. The scheduled 8-hour continuing education class commenced approximately at XXXX XXXX and concluded at approximately XXXX XXXX with snacks, some light humor from the moderator with mention of how much better the class was than having to do the actual CE. 

Plain and simple it was NMLS CE fraud. Pursuant to the course I was requested to pay for the course. I refused to pay for the course and went on to complete the courses in the XXXX XXXX   environment which was about 20 hours of material and study. I did receive several communications from the XXXX XXXX XXXX, XXXX XXXX and his assistant XXXX XXXX, of a harassing nature, demanding that I pay for the class. Of course, I did not pay for the course as it did not meet NMLS requirements and refused to expose my NMLS licenses to the loanDepot / XXXX XXXX, XXXX Fraud scheme. 

I bring this to your attention because this rouge and fraudulent behavior by a large mortgage company like loanDepot betrays the public trust we have fought so hard to regain since the mortgage crisis. Lastly, I personally brought this to the attention of loanDepots CEO, XXXX XXXX, The COO, XXXX XXXX, and Human Resources on XX/XX/XXXX. To my knowledge, the 43 MLOs, XXXX XXXX are still working under their ill-gotten license renewals. 

Sincerely, XXXX XXXX
Product: Debt collection

I lost my job in XXXX and did not find employment until XXXX. During this time XXXX XXXX sold my account to Portfolio Recovery. I have been receiving phone calls since XXXX and I'm sure the statute of limitations has expired for collecting this debt. It has been over nine years! I do not want to talk to Portfolio Recovery because I know they will try to trick you into answering questions that may restart the time on collecting this debt. I have tried to block the phone numbers they use but if you do that you are bombarded with even more phone calls. The phone calls are during the day, at night and on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the results of this investigation from XXXX XXXX account # XXXX on my equifax dipute results.. My account was updated but errors still on my report. The balance is incorrect.. Also the history dates show last payment date is incorrect. Does not match. XXXX XXXX has ruined my equifax score by putting incorrect information on my report. The other XXXX credit bureas also have incorrect information.
Product: Credit card or prepaid card

I found charges for debt protection on my Best Buy credit card statement and I never purchased or authorized those charges. On XX/XX/XXXX, I called Best Buy/Citibank and they gave me another number to call. When I realized it was not Citibank, I hung up and called Citibank/Best Buy card service back. I told them I was aware of a lawsuit settlement regarding these charges and I wanted to know why I had not received a refund. They told me to call the other number. I objected because from what I had read, Citibank had been doing this to others and trying to push this on a third party was bunk. They agreed to cancel the charges but would not help me with refunding any previous charges. I called the number they provided and that person said they would request a refund and get back to me. I presume that was XXXX XXXX. I never heard back from them. 

I contacted Best Buy/Citibank online numerous times. I attempted to file an official dispute, but those charges don't appear as charges I can dispute. I then asked Best Buy/Citibank once again to refund the charges. They keep referring me to XXXX XXXX. If the charges are from XXXX XXXX, why can't I dispute them? Citibank/Best Buy will neither take ownership of the problem, nor permit me to dispute the charges. At one point, I believed I had filed a dispute on the phone but I can't get BestBuy/Citibank to provide me with a status of the dispute. The only thing they told me is that they would have to close my account if I disputed a charge. I figure that's a threat to get me to stop requesting a refund from them. I did receive one letter in the mail stating that " Thank you for your recent inquiry regarding your enrollment in Enhanced Debt Protection. Our records indicate that this protection was purchased on XX/XX/XXXX. '' So I have attempted many, many times to have BestBuy/Citibank at the very least provide the records showing I purchased this product. They keep referring me to XXXX XXXX. They claim to have in their records my purchase of the product but they refuse to give it to me. They claim the product is a third party product but they will not let me dispute the charges. Either this is a Citibank/BestBuy issue or it is a XXXX XXXX issue. In frustration, I did try contacting XXXX XXXX again and they had literally no idea what I was talking about. I'm just disgusted with the way this is being handled. Citibank knows that they should be refunding me these charges because they settled a case where they agreed to refund these charges and they act like this is a mystery to them. They will not let me dispute the chargesI should be permitted to dispute any charge on my account that was not authorized by me. They won't provide proof that I purchased this product. I don't want to go to XXXX XXXX because I have tried that twice.
Product: Credit reporting or other personal consumer reports

I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).

I want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX  XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. 

I will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XXXX XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.
Product: Credit card or prepaid card

I use a Chase credit card, every month I call in to make a payment. After making the payment I remove my payment information from the account. Three times they have failed to remove my banking information after stating they have done so. 

The last request was on XX/XX/2018 in which they sent a letter stating the information had been removed. 

On XX/XX/XXXX I made another payment to my Chase credit card in which the information remained on file and the account information ( last four digits of my credit card number ) was provided to me by a Chase agent that was not located within the United States. 

I requested a manager, was transferred. I reported the regulatory error to the manger. They apologized for the mistake, refused to give me information to contact any government regulatory bodies that credit card companies report to. Refused to take note of this information to report it up the chain to provide me the information. Instead the manager was only willing to give me the address for an internal Chase complaints department.
Product: Debt collection

CCS claims I owe an amount of {$1000.00} to XXXX XXXX XXXX XXXX, letter received today, XXXX, states the company placed the account in their office with cancel date of XX/XX/2019 for collection. This appears fraudulent or case of mistaken identity, I have lived at this address for a number of years, never had insurance with XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX and XXXX there was a series of unauthorized transactions posted to my checking account. The entirety of my account balance ( {$1500.00} ) was withdrawn through a series of transactions and ATM wothdrawls. I did not lose my debit card and it was not stolen. I live in Michigan and these transactions were done in Georgia. I do not share my account with any other person. I have never shared my pin number with anyone. How someone was able to do withdrawals without my card or pin number is incredibly troubling. It suggests a serious breach in security and is a direct infringement on my rights as a consumer. I disputed the transactions immediately with Chime but they decided that " no error occured '' despite the overwhelming evidence saying otherwise.
Product: Credit card

Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian due to their failure to address errors on my credit report despite multiple dispute attempts. Despite my efforts to rectify inaccuracies, Experian 's investigations have not resulted in the necessary corrections. 

On the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I utilized Experian 's online Document Upload Form to dispute items on my credit report. These disputes were made in an effort to address inaccuracies and incomplete information. 

Experian 's investigation results, dated XX/XX/XXXX, indicated that the reported items were either updated or certified as accurate by the reporting companies. Similar results were received on XX/XX/XXXX, and XX/XX/XXXX, with Experian stating that the items were either " updated '' or " certified as accurate ''. 

Upon reviewing my Experian report dated XX/XX/XXXX, I discovered that the items I had disputed remain unresolved and continue to report inaccurate and incomplete information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This account fails to report essential details such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

XXXX - XXXX : This account lacks reporting on the recent payment date, monthly payment amount, and account terms. Furthermore, the payment history is incomplete, showing several months as " No Data ''. 

XXXX XXXX - XXXX : Similar to the previous account, this one does not provide critical information such as the balance, date of balance update, recent payment date, monthly payment amount, and account terms. 

I am including copies of the letters sent to Experian, along with copies of their investigation results, and a recent copy of my report still showing the accounts with errors they are certifying are reporting accurately.
Product: Checking or savings account

Received bank account information and promo from multiple banks on our address for an unknown individual ( XXXX XXXX ) not associated with our address or anyone in our household or next of kin, friends etc..
Product: Checking or savings account

Bettement had locked my account due to security concerns on XX/XX/2022. I was not able to withdraw money after that. They performed an investigation and decided to close my account on XX/XX/XXXX, telling me that a check had been mailed. I emailed Betterment on XX/XX/XXXX making sure that they sent it to the correct address, and they said they did. I followed up again on XX/XX/XXXX and XX/XX/XXXX and was told that they were " looking into it '' and they will notify me when they have an update. Today is XX/XX/XXXX and I still haven't received the money I had in my Betterment account.
Product: Credit reporting 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 Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry was by " XXXX '' which is XXXX XXXX connected to a XXXX XXXX line of credit. The address listed for them on the inquiry is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have never applied for a credit card or loan through XXXX XXXX or XXXX XXXX and have never authorized a hard inquiry from them, and this inquiry is fraudulent. I have contacted XXXXXXXX XXXX and they have not taken any steps to address this fraud. 

This is actually the second time that XXXXXXXX XXXX has made a fraudulent hard inquiry on my credit. The exact same hard inquiry showed up on XX/XX/2023 which was also unauthorized. After first refusing the address the issue, XXXXXXXX XXXX eventually confirmed that someone else had tried to fraudulently open a line of credit in my name. I am certain this is what has happened again, but they are doing nothing to address it. I am NOT a customer of XXXX XXXX. I have no cards or loans through XXXXXXXX XXXX and have never applied for any through them or through XXXX XXXX. But XXXX XXXX  still did a hard inquiry on my credit account which is fraudulent. 

The last time this happened, they eventually admitted that they had allowed someone to try to open a line of credit in my name, so I am very concerned about the fraud going on. In XXXX, I placed a fraud alert on my Equifax credit report, so XXXXXXXX XXXX should have taken additional measures if this happened again. It is clear they have not, as I was never contacted to approve this inquiry even though I have the fraud alert.