23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I became aware that my personal credit information may have been exposed in a data breach and I noticed some suspicious activity on my credit report. 

Below is a summary of the data in which I am challenging : My current and lawful address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately, so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Summary of Accounts being challenged in list form : 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 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 Summary of Inquiries being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter from Affiliate Asset solutions LLC have never done business with this company and not sure how they obtained my information on a debt I do not recognize. There is no proof that the debt actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Have been an a victim of Identity Theft for a few years now. Fair Collections & Outsourcing XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted Fair Collections & Outsourcing XXXX XXXX/ and the Original Creditor and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the XXXX and FTC! This is unacceptable!
Product: Credit card or prepaid card

I have a fraudulent charge on my Way2Go card with my Nevada unemployment benefits. The charge was made on XX/XX/2021 in California at a XXXX XXXX. I have disputed the transaction with goprogram but they refuse to credit my account and say I must submit form. I have written a letter in substitute of form which was deemed ok if I can fax it. Goprogram provided me a non working fax number and no other route to provide document to continue the dispute.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Product: Money transfer, virtual currency, or money service

I reported a dispute on Chime that my money was stolen by a scammer on XX/XX/30. And they didn't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!
Product: Checking or savings account

Whole account frozen seemingly for no reason. Bank provided zero details as to why.
Product: Credit reporting or other personal consumer reports

Disputing the late remark that is made on my EQUIFAX report for account with XXXX XXXX XXXX, under XXXX Bank. Account number XXXX - this account is reporting a 30 day late in XXXX of XXXX. - This account was never late. As a requirement to open an account with XXXX is to set up BANK ACH for autodrafts. If XXXXXXXX XXXX looks at all of my previous accounts with them NONE have ever be late. I am in the process of purchasing my first home with my wife, and this is hindering my ability to obtain a good interest rate, as an active XXXX member.
Product: Checking or savings account

Pursuant to a previous complaint with Wells Fargo ( ref XXXX ) that ended up deep in my spam-box and as a result not replied to, Wells Fargo changed my checking and savings account. I can understand why in the absence of a direct deposit that my accounts were " downgraded ''. What I can't understand is : 1 ) why I'm being charged {$5.00} per month for a savings account I can't use, because 2 ) my Wells Fargo debit card was also canceled and not replaced, and why 3 ) I can't close the savings account in a branch and save myself the {$5.00} each month.

This apparently happened several months ago. I have not received any statements from WF. I just found out this month that the card was canceled. Previous times I've paid my mortgage the card worked, allowing the teller at the branch to identify myself and my accounts.

I have no idea what the cycle is on these new accounts. ( e.g. the XXXX to the XXXX, XXXX to XXXX, other ). Further, it requires me to go into a branch, which is only open about the same time as I work, to pay the {$5.00} because I no longer have ATM access. As I am often spread thin on time between the job, XXXX family members for whom I am the sole caretaker and trying to maintain some kind of life, time gets away from me, I forget and then there's another {$5.00} deficit in that account. 

I didn't agree to this change. I wasn't notified of this change. I've received no statements for these accounts. I have no access to these accounts other than in a branch. 

I fully expect that the response to this complaint will be similar to the previous response - " Because we can '' - but felt it important to post here at CFPB in case others are researching issues with Wells Fargo. 

It doesn't matter how long you bank with a company, or how much money they've made off of you ( in my case, over 27 years ), they are not at all interested in you or your situation or maintaining that relationship.
Product: Checking or savings account

I made a deposit of {$2600.00} in an ATM Machine inside one bank America bank building. The amount of money was never posted in my account. I created a claim and the bank gave me a credit of {$2600.00} after 10 days. A month after now my account is in negative for {$2600.00} dollar. They closed the claim ticket and never reach out to me. I work for a rental company, one of the tenant send me that money to pay his rent and I send that money to me boss which is the landlord. I dont have that money and it was never mine money.
Product: Money transfer, virtual currency, or money service

I stupidly sent {$210.00} using XXXX from my account at Key Bank to an email address on XX/XX/2022. I then realized this was a fake job scam. I did a live chat with a Key Bank representative on XX/XX/2022, asking if the transaction could be reversed and my money restored. This person said no, there was nothing Key Bank or XXXX could do to help. The bank should offer customers some sort of insurance in such cases, just as credit card companies do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included  XXXX   XXXX   XXXX  as a creditor.  XXXX   XXXX   XXXX  continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an mortgage loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX : dismissed XXXX account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$880.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX - XXXX opened on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect addresses listed on my credit report. These addresses do not belong to me and are negatively impacting my credit history. 

I recently obtained a copy of my credit report and noticed several addresses that are incorrect and do not belong to me. These addresses have been reported under my name by one or more credit reporting agencies. I have not lived at these addresses, nor have I ever used them in any capacity. I have reviewed my records, and none of these addresses are associated with my financial history or personal information. 

I have attempted to resolve this issue by contacting the credit reporting agencies directly, but the incorrect addresses remain on my credit report, which is negatively affecting my credit score and potentially my ability to obtain credit. 

I am requesting that the credit reporting agencies correct these inaccuracies on my report and update the information to reflect only my correct and current address. 


I have already contacted the credit reporting agencies Equifax, Experian, and TransUnion on XX/XX/2024, XX/XX/2024, and XX/XX/2024 and disputed the incorrect addresses. Despite my efforts, the addresses have not been removed or corrected. 


I would like the Consumer Financial Protection Bureau to assist in ensuring that these incorrect addresses are removed from my credit report and that my credit file reflects only accurate and current information.
Product: Credit card or prepaid card

CareCredit by Synchrony charged {$1100.00} in retroactive interest on XX/XX/2022. 
I am certain retroactive interest was not part of our agreement and have asked for a copy of the terms and conditions as for some reason it is not available anywhere online not even when logged into my account. The first rep I spoke to on the websites CHAT BOX was XXXX XXXX who appeared not to know what a Terms and Conditions agreement was. She then asked me about something else and I had to correct her that I was only interested in receiving a copy of our agreement and how to do so. She then left the chat. 
The second person on the chat box was XXXX who also appeared not to know anything about contracts or agreements between Synchrony and their card holders. 
I need my copy of the terms and conditions so I can see if they lied to me about when interest starts, vs adding retroactive interest.
Product: Debt collection

To whom may be concerned, I am writing to request that the two collections reported on my credit report by [ XXXX XXXX XXXX ] be removed from my credit report. I believe these collections are invalid, as the debt collector did not properly validate the debt before reporting it to the credit bureaus. I have enclosed a copy of the certified mail receipt showing that I sent a debt validation letter to the debt collector on XX/XX/XXXX. And it was received on XX/XX/XXXX,. As required by the Fair Debt Collection Practices Act ( FDCPA ), the debt collector had 30 days to respond to my letter with validation of the debt. However, to date, I have not received any response or validation from the debt collector. The FDCPA requires that a debt collector must validate a debt before attempting to collect it. Specifically, 15 U.S.C. 1692g ( b ) states that [ w ] ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information necessary to validate the debt. The validation must include the amount of the debt, the name of the creditor, and continue writing the letter. Given the lack of validation and the debt collector 's failure to respond to my request, I believe that these collections should be removed from my credit report. I respectfully request that you investigate this matter in accordance with the FDCPA, and take appropriate action to have the collections removed. Additionally, Federal Trade Commission v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) establishes that a debt collector must comply with the 30-day validation requirement, and that failure to do so can result in a violation of the FDCPA. The court in that case held that a debt collectors failure to respond to a consumers request for validation within 30 days constituted a violation of the FDCPA. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, XXXX   and TransUnion, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my XXXX  credit report, I contacted XXXX  on XX/XX/2020 by US mail. XXXX  responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with TransUnion in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I received continued collection phone calls from DRA ( portfolio recovery ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from XXXX. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge