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

On XX/XX/21 I considered applying for a new credit card, I pulled my credit report to evaluate my eligibility and found out my rights as a consumer have been violated under federal protection. 

There has been a consumer credit transaction reported from my credit card, a literal authorization or approval of a specific extension of credit which is supposed to be excluded. To quote 15 USC 1681a ( 2 ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. 

It is clear in the TRUTH IN LENDING ACT 15 USC 1602 ( I ) the definition of " the term " credit card '' as any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. '' My social security card counts as a credit card under these guidelines.

In pursuant to 15 USC 1681b ( 2 ) these accounts are in violation. I did not provide written content to furnish these accounts and therefore these accounts do not have permissible purpose. By furnishing these accounts they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and due to this, this has caused me emotional stress, financial problems, and damage to my personal life.
Product: Credit reporting or other personal consumer reports

I have disputed for over a year trying to get help resolving the removal of an account fraudulently used/opened in my name appearing on my credit report. Disputes with experian and XXXX had started early 2023, and they told me they verified I indeed own the account and to take it up with XXXX XXXX. This matter has Been brought up in civil court and dismissed with prejudice, so I have redisputed the fraudulent account with court documents detailing this. Both credit reporting agencies refuse to remove account, and advised me to again either follow up with XXXX XXXX ( who refused to investigate fraud and had to go to court to finally give up on case and dismiss ), or file a complaint. XXXX was able to remove the account from my report with them with same provided documentation.
Product: Checking or savings account

I have money in my Venmo account that can not be accessed no matter what steps I take weather on a XXXX or a laptop or desktop. I go to login my Venmo and immediately get a error message ( XXXX XXXX ) and it will not open my Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with this company and it continues to report on my credit.
Product: Checking or savings account

When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX  dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for me
Product: Debt collection

Regional finance cashed a fake check in my name. I reported this with my bank. I reported it with regional finance and I reported it with the credit unions 3 to 4 years ago. There is no activity on it but the increase in balance continues to go up and it continues to affect my credit score.
Product: Credit card or prepaid card

We were issued a {$250.00} digital american express gift card. The card was loaded via XXXX XXXX to my and my wife 's phones. The card was declined at four different retailers that accept both american express and XXXX XXXX 

The digital card was used in an attempt to pay for goods/services online, through several different retailers. The card was again declined at mulitple retailers, for amounts under the balance of the card. 

American Express has unhelpful. Multiple phone numbers they list simply hang up or are computer assisted only, without customer service representatives. I requested a statement credit on my Amex card we hold with them, declined. I requested a new physical gift card, declined. I was on hold for over two hours, and have not received any indication that we are working towards a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account XXXX XXXX. I would greatly appreciate it if you could investigate this and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated too on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX , Equifax, and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Product: Debt collection

I am uploading additional information to this company about my complaint. 
On XX/XX/XXXX, I received an alert from XXXX  that this Company reported an account on my credit report stating that I opened an account inXX/XX/2021 with them and owe {$670.00}. 
I have no knowledge of and did not open, nor do I have any account with Security Services. I have filed an FTC report which I am attaching, as well as disputes with the credit bureaus. I received several phone calls at my JOB, and repeatedly informed these people that 1 ) do not call my place of employment. 2 ) I do not & have never had an account with your company and do not owe you any monies. 3 ) Remove this information off my credit report immediately as it is false and fraudulent.
Product: Payday loan, title loan, or personal loan

I took this loan out and had it assigned for automatic payments out of my bank account. I then had some issues being able to pay this account and they allowed to skip a payment or hold of on making a payment back in 2019. The loan was for XXXX. I then used XXXX XXXX debt management and did a offer a settlement so I thought this account was handled. Then a few days ago I went to apply for a car loan and was denied and this account was one of the reason so I pulled my credit. They are saying they did get the settlement but now are not accepting it closed. They are trying to say now that in 2 years the interest is about {$10000.00} on a {$4800.00} loan balance. They have never contacted me, never tried to collect a payment or anything. All of my information is still the same as it was when I took out the loan. Same address, same phone numbers and same bank routing and account number.
Product: Debt collection

I had an account with XXXX that went to collections. The amount was {$200.00}. I did end up paying the total balance off. Yet it still shows on my credit score as not paid for. Ive called them 3 times and have asked to give me a letter of deletion but they wont.
Product: Mortgage

My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. 

This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. 

I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. 

I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. 

What do I do next?
Product: Debt collection

On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.

On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.

On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.

On XX/XX/XXXX, I called and requested the same.

For about a week or so after, I called almost everyday asking the same.

On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.

On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.

Finally, she stated that since it is not past the " agreement '' date, the full amount is due.

It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion claim to investigate disputes but as I recently found out the don't all a company has to say is that it's correct no investigation no nothing just word of mouth.
Product: Debt collection

Progressive sold this debt to another collection agency ( Credit Collection Services ) Date Opened with Collections XX/XX/2023 Balance Updated on XX/XX/2023 Account No : XXXX Amount {$400.00} This account is fraudulent and debt is not mine. This account have been disputed before and the account is still resurfacing on my credit profile and affecting my credit rating. The police report will show that I am a victim of identity theft.
Product: Debt collection

The debt collection is named XXXX XXXX from XXXX. They have called me repeatedly asking for me to pay a debt collection of around {$2100.00} for an apartment lease in XXXX XXXX. They event sent me an " application '' of the apartment lease with information filled. 

These XXXX  can't realize that the name DOES NOT MATCH MY NAME. The person submitted a SS of XXXX. They listed their mother as XXXX XXXX. 

I have a real SS and my mother IS NOT XXXX XXXX. I HAVE ALSO NEVER EVER LIVED IN XXXX XXXX AT ANY POINT IN MY LIFE. I have always lived in XXXX  and I have submitted proof of residency. I have told these XXXX  that my name is NOT the name listed on the application. My debt collection inquiry was eventually removed, but now it is BACK. This is incredibly frustrating, and continues to erode my credit score. Again, this IS NOT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to EXETER FINANCE CORP to get the inquire removed but, they haven't resolved the matter.
Product: Credit card

In 2014 I received several unsolicited phone calls and got sucked in to the " work from home/online business scam ''. I paid several companies enormous fees and specifically paid these related companies : XXXX and XXXX XXXX a combined total of {$19000.00}. I have attempted resolve my complaints directly with them and have been completely ignored. After learning my rights as a consumer, I know that these transactions can be disputed but based on the transaction dates I was informed that they are too old to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an ongoing issue with GM Financial during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and GM told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. GM was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to GM. Therefore, GM has not received the payoff but were notified and has been updated again last week. GM ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.
Product: Checking or savings account

I have had a Wells Fargo account for over 25 years. Recently I was notified that, without my permission, my account was " upgraded '' and if I did not keep {$250000.00} on deposit, I would start to be charged monthly fees of {$35.00}.
Product: Debt collection

I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

FEDLOAN XXXX Balance : {$150000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the false items on report 60 days ago an there are all still on my reports
Product: Checking or savings account

I am owner of XXXX and not getting paid past XX/XX/2002. I used to get direct deposit into wellsfargo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. Exquifax, XXXX, XXXX. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. Exquifax did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as XXXX, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/ XXXX XXXX  XXXX XXXX XX/XX/.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evident to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes,. These failures alight with my experience, where Experian has neither corrected nor removed disputed items despite the evident I provided causing ongoing harm to my credit standing,. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX  ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.
Product: Consumer Loan

Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.
Product: Debt collection

I received a voicemail on XX/XX/2020 at XXXX XXXX  ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 ). I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my  brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.